vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: CA

Complaint narrative:
In XX/XX/XXXX I applied for a service with American Financial Benefits Center ( AFBC ). They stated that would help assist with a setting up my loans to become applicable with a student loan forgiveness program. I currently have 2 outstanding loans with XXXX and XXXX that total more that $ XXXX. The stipulation was that if I remained a client with there company for 20 years, my loan would eventually default and my loan would be applicable under " student loan forgiveness. '' The application process involved an agent obtaining my financial information, tax returns, and family size. In addition there was set up fee of {$490.00} then a monthly charge of {$99.00} a month. Every year, I would be contacted by an AFBC agent to update my yearly income or any other changes to the household size. By the end of XX/XX/XXXX, I was contacted by a customer service representative regarding the routine of updating financial information. The rep also mentioned that any information that I've read or heard regarding there group was false. At the time I didn't think much of it. They had been assisting me with this for almost 2 years, the customer service reps appeared professional and legit and have always responded to my emails promptly. Weeks after that conversation, I tried following up and no avail. My emails were getting bounced back and no one was answering there contact number. I did some research online and found out that there was a lawsuit from the FTC towards AFBC. The company has gone entirely dark and no contact information can be found anywhere. I've come to the deep realization that I have been scammed. 

Here is a link to a copy of my mailbox which includes all the communication I've had with AFBC. 

XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I went to the website XXXX and contacted the person on the website to about purchasing a kitten. They emailed me from XXXX and said the kitten was XXXX and XXXX for shipping. I had many conversations with the person. They showed me pictures, videos, etc. I have purchased animals online before so I had no clue this was a scam. I paid thru Zelle {$1000.00} on XX/XX/2020. The cat was going to be shipped to me by plane on Friday XX/XX/2020. The seller sent me the plane information, told me the cat passed the wellness check to fly then told me I needed to rent or by a special cage. XXXX to buy or XXXX to Rent. Send her the money and she will take care of it. when I get the cat it will be refunded to me 100.00 % at the airport. I called XXXX XXXX and they told me that was a scam. They said do not do it. So I told the seller I could not afford than and would like a refund for the animal. They said they would do it the following morning. Since then I have not heard anything from the seller. The website is XXXX email address they used with Zelle  is XXXX XXXX XXXX and phone number on the website is XXXX they gave me the address of XXXX XXXX XXXX XXXX XXXX CA XXXX. I have reported this to my bank. They are in the process is investigating and working with the other bank to get my money returned to me. I just wanted to buy a kitten and they not only stole my money but I am not getting the kitten that I fell in love with from videos and pictures. People like this make me sick to my stomach. If we could find them I have no issue pressing charges against them. Zelle Reference code XXXX I have attached all emails from the scam seller and myself and pictures of the website that is still up and running and scamming other Americans

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EarnUp Inc.
State: IA

Complaint narrative:
I was reported 30 days late for my XX/XX/XXXX monthly payment to the Credit Bureaus. My monthly payments are automatically taken out on a semi-monthly basis by a third party company now known as Earn Up. Our XX/XX/XXXX payment was withdrawn from our account on XX/XX/XXXX and XX/XX/XXXX.  However Earn Up had a problem and they were not able to forward our mortgage payment over to XXXX. Earn Up made no effort to contact me regarding the issues. I did not know that XXXX did not receive our XX/XX/XXXX payment until XX/XX/XXXX when we received a letter. 

I have made several calls to both Earn Up and XXXX to get this corrected. XXXX needs documentation from Earn Up stating it was an error on their end that our XX/XX/XXXX payment was not submitted until XX/XX/XXXX. I have called Earn Up on the following dates and each time they say they will be sending a letter to XXXX but they never have. 

XX/XX/XXXX Called Earn Up XX/XX/XXXX Called Earn Up XX/XX/XXXX Called Earn Up XX/XX/XXXX Called Earn Up Earn Up never made an attempt to contact me to inform me that there was an issue with our XX/XX/XXXX payment. 

My issue is with Earn Up not XXXX It is not my fault that my XX/XX/XXXX payment was late and I'm paying the consequences for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Mortgage charged this loan off XX/XX/2019 and released there mortgage. I am not trying to sell the home however, they have not vacated there judgment or dismissed the foreclosure action against me in XXXX County case number XXXX. Under PA law the foreclosure is now invalid and needs to be dismissed with prejudice. They are now preventing me from being able to sell the property by holding a lawsuit over my head that is invalid for 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Interest free promotion ended earlier than I was told. I am current on my payments, however I requested from the store the terms of conditions for which this account was opened. I am now responsible for {$4000.00} in interest. If this is indeed the case, I would like to have the terms and conditions that I signed. The store and the financing company have not been able to provide, after numerous requests.

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 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I have been a Bank of America customer for nearly a decade. I recently filed a claim about some fraudulent activity that took place with the debit card that was linked to the XXXX XXXX feature of my XXXX. On the morning of XX/XX/XXXX, my phone was used to make 8 different transactions totaling in {$2300.00} to a number that I have never been in contact with. I do not know who did this to me. I brought up the fact that my debit card had also been stolen from me that night and an investigation was opened. After a few weeks, I was issued a temporary credit. After another couple of weeks, this credit was taken back, leading to my checking account being overdrawn by {$600.00}. I am still in the negative and have called Bank of America, pleading that they re-open this investigation. Additionally, I have filed a police report and have reached out to XXXX XXXX support to get answers as to who sent money to themselves using my phone. It makes ZERO logical sense that I would overdraft my own bank account by over {$600.00}, so it really upset me that the investigation research deemed that none of the activity was fraudulent and that all transactions were authorized by me. That is simply not true, and now I am out funds that I direly need. I am beyond disappointed with Bank of America at this point and have every intention to never conduct business with them once I receive the proper restitution.

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 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Collections, Inc.
State: TX

Complaint narrative:
I noticed a collection on my credit report I didn't recognize. I mailed the agency a request for validation on XX/XX/XXXX via certified mail XXXX tracking number XXXX XXXX XXXX XXXX XXXX ). They replied in a letter dated XX/XX/XXXX, but not received by me until XX/XX/XXXX. They asked for more information which they would already have on file since they are actively reporting the account to the credit reporting agencies in my name. This letter was a blatant dodge of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited a client check in the amount of {$10000.00} and funds were transferred from XXXX XXXX  to Wells Fargo on XX/XX/XXXX. Wells Fargo has put a hold on the funds until XX/XX/XXXX. They have given me a range of excuses such as there were not sufficient funds in the payees account to a suspicious signature. I have asked Wells Fargo to contact the XXXX XXXX   employee that handles the account and XXXX XXXX continues to refuse to release the funds to my account. This appears to be yet another Wells Fargo scam. They are holding my funds and earning interest from XX/XX/XXXX to XX/XX/XXXX. I have full documentation.

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 2020-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Immediate Credit Recovery
State: WA

Complaint narrative:
Re : School loan Account # XXXX I am writing to ask your help in resolving my efforts to pay off my son 's school loan. Please note that I am not an account holder or co-signer. 

He has given me his written permission to negotiate on his behalf with the Department of Education, Immediate Credit Recovery Inc. ( the collection agency ) and any other interested party. My attorney   advised me that, by statute, a payment of 90 % of the amount then due would satisfy the loan and end the garnishment. He also advised me to seek help myself before employing him to act for me. 

I have tried to do this. My son has had no written updates from anyone concerning his loan since XX/XX/XXXX, when it had mounted from the original {$38000.00} to {$64000.00}. Since XXXX his wages have been garnished and income tax return seized. 

On XX/XX/XXXX, I sent 90 % of the XXXX figure to the Department of Education as instructed, asking whether that, plus the garnishment and tax return, was adequate to satisfy the loan. 

My check for {$57000.00} promptly cleared my bank on XX/XX/XXXX. Success? However, I heard not a peep from the DOE or its collection agency. Garnishment continued. As of XX/XX/XXXX, {$5500.00} had been taken from his earnings. I believe the tax return was small, but don't know the amount. 

When I first spoke to Immediate Credit Recovery Inc., I was instructed to fax my son 's permission before they could speak to me. I don't have a fax, and they refused to accept an email with attached photo. I tried calling the Department of Education. It required all my persistence just to get the correct phone number, and then I was greeted with an insurmountable phone tree. The tree did tell me that as of XX/XX/XXXX he owed {$68000.00}. ( What about my XXXX check? What about his garnishment and tax returns? ) On XX/XX/XXXX, I sent appeals to both the DOE and ICR for correction, and included XXXX XXXX   permission and documentation. I also faxed this mailing to ICR. To date I have had no written response. I do not want to speak to either of these agencies. I believe we have overpaid, and I want a documented calculation showing my XXXX payment and all garnishment and other confiscation, and removal of any interest or penalties added since XXXX. 

I am attaching my letters and can provide other documentation as required. 

Thank you for any help you can give us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: MO

Complaint narrative:
In XXXX of 2018 I consolidated my loans with Premier Student Loans. Upon receiving an email from the Federal Bureau of Consumer Finance I contacted XXXX Student Loans as directed. Upon reaching out to them and going through the paperwork filed by Premier Student Loans it was made evident they were lying on my paperwork by stating I had four extra dependents in order to reduce my student loan payment. This low payment did not cover the interest and my loan amount has now raised by nearly {$3000.00} without reducing any of the principal. Not to mention I now have to suddenly make changes to my entire budget to begin paying a payment of {$300.00} more than I was before. 

I am seeking to gain more information on the lawsuit against this company and to join the lawsuit if possible. I have documentation and every email received from this company that I would be happy to share.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
The first time I heard of this company is when they show on my credit report on XX/XX/2020. I never received any correspondence from them prior to that date. There is no address or phone number to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED HAS BEEN DAMAGING MY CREDIT AND HAS BEEN HURTING MY NAME IN THE SYSTEM. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FILE, INVESTIGATE THIS MATTER AND HAVE THOSE DEBTS OF FMY CREDIT FILE FOR THEY HAVE WERE NOT AUTHORIZED MY 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 explanation
Consumer complaint received 2020-01-22 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: SC

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED HAS BEEN DAMAGING MY CREDIT AND HAS BEEN HURTING MY NAME IN THE SYSTEM. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FILE, INVESTIGATE THIS MATTER AND HAVE THOSE DEBTS OF FMY CREDIT FILE FOR THEY HAVE WERE NOT AUTHORIZED MY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: NV

Complaint narrative:
On XX/XX/XXXX. I sent in a dispute into Experian at the address of record ; XXXX. XXXX XXXX, XXXX, TX XXXX. 
The tracking number for this dispute is : XXXX. 
The letter was received on XX/XX/XXXX at XXXX and was signed by XXXX XXXX According to the F.C.R.A. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Experian has 30 days respond to the dispute beginning on the day the letter is received. On XX/XX/XXXX I received a response from Experian, dated XX/XX/XXXX, that only addressed two of the eight accounts mentioned in my dispute. It should be mentioned, that 30 days from the date my letter was received would warrant a response on XX/XX/XXXX. I called into Experian customer service number yesterday on XX/XX/XXXX and spoke with XXXX XXXX during this call Experian confirmed that my letter was indeed received, however XXXX claimed that only 2 accounts were disputed in my letter, which is a complete fallacy. The letter portion of my dispute included 4 pages. The items addressed in Experians response are listed on the bottom portion of the second page of my dispute. The notion that the initial page of my dispute was not received is far-fetched, at best. It is also illogical that the two items listed on the top of the second page were not received is also physically impossible as the items Experian choose to address are at the bottom of this very same page. It is completely unfair that Experian has decided to pick and choose what parts of my request were in dispute. Experian is willfully choosing to violate the law at the expense of consumers and should be held accountable for their actions. 

The letter that was sent was itemized. There were 8 accounts in this dispute ; XXXX XXXX XXXX XXXX not addressed and should be removed US Department of Education ( 4 accounts ) not addressed and should be removed XXXX XXXX XXXX XXXX not addressed and should be removed XXXX XXXX XXXX XXXX - verified, but response exceeds 30 allotment and the three 30 days late payments should be removed XXXX XXXX XXXX - verified, but response exceeds 30 allotment and should be removed

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 2020-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I went to the website XXXX and contacted the person on the website to about purchasing a kitten. They emailed me from XXXX and said the kitten was XXXX and XXXX for shipping. I had many conversations with the person. They showed me pictures, videos, etc. I have purchased animals online before so I had no clue this was a scam. I paid thru XXXX {$1000.00} on XXXX. The cat was going to be shipped to me by plane on Friday XXXX. The seller sent me the plane information, told me the cat passed the wellness check to fly then told me I needed to rent or by a special cage. XXXX to buy or XXXX to Rent. Send her the money and she will take care of it. when I get the cat it will be refunded to me 100.00 % at the airport. I called XXXX XXXX and they told me that was a scam. They said do not do it. So I told the seller I could not afford than and would like a refund for the animal. They said they would do it the following morning. Since then I have not heard anything from the seller. The website is XXXX email address they used with XXXX is XXXXXXXX XXXX XXXX and phone number on the website is XXXX they gave me the address of XXXX XXXX XXXX XXXX XXXX CA XXXX. I have reported this to my bank. They are in the process is investigating and working with the other bank to get my money returned to me. I just wanted to buy a kitten and they not only stole my money but I am not getting the kitten that I fell in love with from videos and pictures. People like this make me sick to my stomach. If we could find them I have no issue pressing charges against them. XXXX Reference code XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A.
State: NY

Complaint narrative:
either pnc credit card remove my email address or close the account. how manny more times need i repeat this? i am not a compliant robot. get a robot not me if pnc wont take out my email address. no text. no email. everything by paper and by call. all calls recorded. dont like it get another custommer. write a response now by paper. 

Pnc keeps emailing XXXX but pnc has been repeatedly told to delete this email address because it is not working and unwanted. 
If pnc wants to deal with a compliant robot let pnc get another customer or maybe some sucker in a third world country. Remove this email address. Only send statements by usps mail. I have no cell. If pnc requires a cell close this account. I can not buy a cell and wont. 
Let pnc get another customer. I am a noncompliant customer. Want a robot pnc? Get someone else., take this email address out now. 


Your PNC credit card statement ending in XXXX is available. 
Credit Card ... XXXX Statement Date : XX/XX/XXXX Sign on to Online Banking at pnc.com to view your statement. 
Thank you for banking with PNC Bank. 
This mailbox is not monitored. Please do not reply. Account-related questions can only be answered via secure forms of communication such as our Online Banking Message Center. Please sign on to send us a secure message. If you would like to speak to Credit Card Customer Service, please call XXXX ; 24 hours a day, 7 days a week. For Business Credit Card Customer Service, please call XXXX ; Monday through Friday XXXX to XXXX ET, Saturday & Sunday XXXX to XXXX ET. 
Visit pnc.com to view our privacy and security policies. 

XXXX The PNC Financial Services Group , Inc. All rights reserved. : : ( N )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation