vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
To Whom It may Concern, I purchased my XXXX XXXX XXXX from XXXX XXXX in XXXX of XXXX as a birthday gift to myself. I was so excited to have my dream car. But during my 4yrs of having this vehicle the dream became a nightmare. From mechanical issues, driving in the snow and lastly having it repossessed from me because my payments ballooned because of the additional insurance ( XXXX ). I was young and had zero idea of what was happening. All I knew was to pay my bills. I thought maybe I had a interest rate that had gotten higher. I didnt understand that they applied additional insurance to my loan. I used XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX, MO XXXX ( XXXX ) XXXX. Which has went out of business a few years ago. Also XXXX XXXX XXXX which I use for my homeowners policy was contacted to get dates however, there records only go to XXXX. I know I used them when I first got the car then immediately went to XXXX XXXX XXXX to save money. Now fast forward to the present and Wellsfargo is asking me for proof that I had insurance almost 10yrs later. XXXX XXXX XXXX is out of business and XXXX XXXX doesn't keep records dated back that far. I have exhausted every effort to get that information ( which I don't believe should be my job ). Now Wells Fargo is denying me a court ordered refund because such records doesn't exist because of above mentioned circumstances. I truly believe that Wells Fargo is aware of my situation and is trying to take advantage of me once again. Now I've become aware they are doing this to thousands of other people. 

I will like to file an official complaint AND open an investigation into this matter XX/XX/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 2020-07-05 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Eres un XXXX I got call and email from my bank. I can't pick up call but later I check my account online it shows ( XXXX XXXX IN XXXX CA ) they charge me {$230.00} from my account and then they refund it to me. Then I call to bank what's going on and they said we block ur card and we can send u new card in 6 days. I ask them how it's possible who try to use my card or online banker don't give me answer he said maybe someone try to fraud with u That's why I'm complaining about that I wan na know who trying to do this.

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 2020-07-05 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was offered a credit line for XXXX by Paypal through Synchrony Bank. I've had a good relationship with Paypal for a decade so I accepted and closed out my old credit line with another bank. The card is supposed to be linked to my Paypal account, which pays for my other Paypal Credit account automatically every month from my checking. A month later I get a notification from credit monitoring service saying my scores dropped. When I called synchrony they said I was late so I immediately paid the entire balance and tried to figure out what went wrong because Paypal should be paying them from my bank account just like my other paypal credit account. I set that up already. When I explained it they apologized and told me they were going to restore my credit line and to check back in a week. I checked back every week for three weeks and nothing happened. Now I have no credit and my scores are in the dumps, and I can't even get back the old credit line I shut down because I relied to my detriment on Paypal 's extension of Scynchrony credit. Then I told paypal I dont want to do business with them anymore and asked them to close my account and they wont.

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 2020-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My name is XXXX XXXX, and my wife name is XXXX XXXX. We obtain a Mortgage loan with Bank of America N.A in XXXX to purchase a town house in New Jersey. The property address is XXXX XXXX XXXX XXXX NJ XXXXWe are so current in our payment until year XXXX. Unfortunately I lost my job in year XXXX, so also my wife lost her job. We seek for help from Bank of America N.A. for loan modification but we were denied. Due to the hardship we were defaulted in payment for 2 years ( XXXX XXXX ). Then we filled a Bankruptcy through NJ court, and we were discharged from financial obligation of the property in XX/XX/XXXX. Also we filled a notice of abandonment which was approved by NJ court. We moved out of the property. We request for a short sale of the the property from Bank of America through the loan servicing company ( XXXX XXXX XXXX. ) The short sale was approved by XXXX XXXX XXXXXXXX, but was denied by FHA/HUD. The FHA/HUD ordered that the property must be foreclose and advised that Bank of America N.A should initiate the foreclosure. Bank of America N.A. through their representative have taken possession of the house since XXXX, and they put 3 locks to secure the property. We have no assess to the property, our request for short sale was denied and the foreclosure process that we did not object to was never completed. The Condominium Association of the community has taken us to court twice to get a judgment in the amount of {$8000.00} in the XXXX and {$29000.00} in XXXX. They claimed that the property title is still on our name even though we don't live there, and also for the fact the Bank has taken over the property by securing it with their locks. 
Bank of America N.A. through their representatives : XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX NJ XXXX. Tel : ( XXXX ) XXXX have failed to complete the foreclosure process to get the property off our name for 6 years. We contacted FHA/HUD about this matter, and they condemned the action of Bank of America on the foreclosure process and described it as EXTREME DELAY OF FORECLOSURE PROCESS. We are stalk as a victim between the Bank and the Condominium Association to keep paying the association fee for the services that we do not benefit from. We are soliciting for your help to let Bank of America .N.A through their legal representative ( XXXX XXXX XXXX XXXX XXXX XXXX ) to please either complete the foreclosure process or sell the property to get our name off the title. 
Thanks XXXX XXXX & XXXX XXXX Tel : ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX MD 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 2020-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: WA

Complaint narrative:
Hi Sir/Madam, I am surprised to receive a letter in my mailbox from a debt collection agency " The receivable Management Services LLC ''. This agency says that I owe them XXXX dollars which I do not recognize. They say they are acting on behalf of XXXX XXXX XXXX. I acknowledge having an insurance policy with them last year, but on my request I canceled the insurance policy because there was an unjustified price increase. I had not received any tickets or been involved in a traffic accident. I have obtained from XXXX  all guarantees to cancel my insurance policy. They said they will refund the money already paid for the month of cancellation. I have all the received emails that I will send to you to help me resolve this situation. The receivable Management Services LLC openly threatens to send negative information in my credit report for a debt I do not recognize.

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 2020-07-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. In XXXX That was financed through Westlake Financial Service. I wanted to refinance the car due to the high interest rate Westlake Financial Services was charging to our bank XXXX XXXX in XX/XX/XXXX. Westlake Financial Services would not send the paperwork to XXXX XXXX and the refinance feel through. Do to Westlake Financial Services lack of concern and repeated threats to take the vehicle because I wanted to refinance, and they put XXXX XXXX, XXXX and XXXX payments on hold that caused damage to my credit, I instructed Westlake Financial Services to take possession of the vehicle in XXXX of XXXX. After the vehicle was taken by the company contracted to take possession of the vehicle, We saw the vehicle driving around XXXX, CA and later found the vehicle was being used to go and take possession of other vehicles by the repossession company. I contacted Westlake Financial Services XX/XX/XXXX to inform them of the situation and was told " That is not our problem, it is your problem because the vehicle will sell for less ''. 
I contacted Westlake Financial Services XX/XX/XXXX because I have not received a itemized bill of the alleged amount of $ XXXXWestlake Financial Services informed me that they don't have to send a itemized bill and that is the owed amount. I have tried disputing the alleged debt with Westlake Financial Services and to this date have not received a response. My right to debt validation is being ignored by Westlake Financial Services.

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 2020-07-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched USAA # XXXX Credit Reporting ( IS A PARTIAL ACCOUNT NUMBER?? ) What is a partial account number? What is the FULL account number? WHY IS THERE A PARTIAL ACCOUNT? Partial Accounts MUST BE IN VIOLATION OF FEDERAL FAIR CREDIT ACT LAW. I DID NOT OPEN THIS PARTIAL ACCOUNT Futhermore : USAA made A COLLECTION Unauthorized Payment XX/XX/2020 in Violation of Social Security Act SECTION 207.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 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: FL

Complaint narrative:
Re ; case # XXXX with Citibank Visa. 
We planned a family trip with XXXX XXXX, booking # XXXX, # XXXX, # XXXX, scheduled to leave XXXX XXXX on XX/XX/2020. The total charges on Citibank Visa were {$10000.00}. The credits provided by Visa were {$1600.00} for taxes and fees. The cruise was cancelled mid-XXXX  due to the Coronavirus and we were offered a future cruise credit by XXXX. We had cancelled the cruise a few days before for the safety of our family, since ships were already being quarantined at sea and refused entry into some ports. In the meantime, XXXX  was stalling their cancellations and were still sending ships out to sea. My husband and I are XXXX years old, not in the best of health ( doctors letters have been provided advising against taking a cruise ), on a fixed income, and need the money. We need a refund and have no intention of taking a risky cruise in the future. We've since contacted numerous XXXX representatives through emails and letters and have been refused a refund. Since we were getting nowhere with XXXX we contacted Citibank Visa. They also turned their backs on us since " the loss claimed is covered by another provider ''. We have been loyal customers of Citibank for over 40 years and have excellent credit. We are not eligible for a refund since XXXX has provided us with a future credit. Besides being dangerous to our health, cruise ships will not be providing what was previously paid for by their travelers. There will be fewer amenities, dining experiences will be diminished and some excursions will be eliminated. There will also be many protocols that must be followed for the safety of the passengers. We will not be getting what we originally planned and paid for months ago.

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 2020-07-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I am XXXX years old and had wonderful credit until JC Penney mixed up my account. I had a Penneys card since XXXX and had never missed a payment. They have ruined my credit ; I cant even get XXXX card. Here is the scenario ( backed up with the attached receipts ). 
I had XXXX balance in XX/XX/XXXX. I made a purchase in XX/XX/XXXX which I paid off at the end of the month. This is what I have done for 38 years. Unfortunately, either my husband or JC Penneys made the error of adding an extra number ( the number 1 at the end ) to my account. The result is that we paid on time ( you can see our bank withdrawal ) and I have NO IDEA WHERE THE MONEY WENT. 
Please help me. Penneys wont talk to me at all. Synchrony bank will not listen about what happened. They want me to pay them over {$400.00} and you will see that JC PENNEYS OWES ME MONEY ; I DO NOT OWE THEM MONEY. I paid the balance but since the money went to the wrong account at Penneys, they say we did not pay. You will see from our bank statements that we did pay the full amount. They continued to add charges as if I had an unpaid balance for many months. 
Please, Please help me. You are my last hope. My son, my husband and myself have all called them and they kept telling us they would correct it but they did not. Now they have turned it over to a collection agency and JC Penneys will not take any of my calls. Please, Please help!!

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 2020-07-05 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
Alpine Credit Company keeps putting different dates when Services were supposed to have been rendered so they don't fall off after 7 years they also have sent me hard copy that has no dates or amount that are listed on my credit report so figures and dates keep being changed so I don't even know who has been paid or who is owed I have not seen a doctor for my XXXX in over 5 years because of this error on their behalf they keep showing up on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paragon Mortgage Services, Inc.
State: CO

Complaint narrative:
I applied for a mortgage loan based on a pre-approval I received from Paragon Mortgage Services. We went under contract after looking at several houses. I paid the earnest money, paid for the inspection, paid for the appraisal, provided all requested documentation and signed a ton of documents. Then 9 days before our closing date I was told that I could not be approved for the loan. This decision was made based on my income ; the same income that was used to get my pre-approval.I was told that the underwriter denied my application because I am self-employed and they can not verify my income like they could if I were employed by someone else. I felt like I was dragged through the mud. My entire house was packed, we were getting ready to move, and the house I was occupying was set to be rented to someone else once we were completely moved out. We went from being excited about moving into our new house to possibly being homeless. I felt like these mortgage people should have known whether or not I would be approved for a mortgage loan when they gave me the pre-approval, before I went out looking for a house, before I paid for the home inspection, and before I paid for the appraisal. I had to contact 3 different people at Paragon Mortgage Services to get a straight answer as to what had changed from the time I got the pre-approval to 9 days before our closing date. I was told my application was denied due to changes in the guidelines for self-employed individuals. I was told my application was denied due to COVID-19. Then, I was finally told that the mortgage service-er I was working with had an underwriter look at my file prior to issuing the pre-approval letter to double check her work. Then once I was under contract and the process had been moved along a different underwriter was making the final decision said that the mortgage service-er and the first underwriter both made a mistake in the calculations of my income. How could 2 different people make the same mistake each looking at the file separately? And why was this mistake not noticed earlier in the loan process? I mean 9 days before closing date my entire family 's life was turned upside down. How is this ok? I feel like I was discriminated against because I am self-employed and they didn't want to take the time to go over all the documentation they had me supply for them. They told me I needed an audited P & L Statement ; which costs anywhere from $ XXXX {$6000.00}. So not only was I about to be homeless, but I was also not going to be reimbursed for the earnest money, the cost of the home inspection or the cost of the appraisal. How can someone make a mistake like that, a mistake that messes with a family 's stability, and not be held accountable. They should not be in the position they are in if they are making mistakes like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
It appears that PayPal has taken personal comments that were made during a message chat with a customer service agent. For the second time in a month PayPal limited access to my account by placing a hold on all outgoing transactions. After providing all requested information to PayPal the first time they removed the hold and allowed normal transactions to continue. Then starting on XX/XX/XXXX PayPal once again placed a hold on the account. This time requesting information from sales transactions. When contacting PayPal by message on their app PayPal advised to just give as detailed information as possible and made the comment PayPal is not for everyone. I found this quite shocking considering Ive sent hundreds of thousands of dollars using PayPal and how they just seemed to disregard me as a customer. I made the comment wow, I wonder how stock holders of PayPal would feel if they knew how their customers were being treated. That was the last communication before receiving an email stating my PayPal account has been closed and the funds in my account would be held for 180 days. They blocked me from being able to use chat messages as well so the quotes and information provided above is from memory as I do not have access. No reason was given as why it was terminated. Clearly it seems to be that someone was offended by the way I judged the customer service being provided by PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one stated they need more time when I filed my initial complaint XXXX and now rather than address complaint they have gone ahead and charged another high interest charge, making my balance go up again and again lowering my credit score. I am not able to work due to my business being closed due to corona virus and I may not be able to go back until XX/XX/2021. I was advised about hardship payment plan and then it was rescinded and I filed complaint and Capital One said they need more time, now they are trying to profit even more and ruin my credit during a government shut down.

Company response to consumer: Closed with monetary relief