vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was pressured into opening a new bank account at wells fargo, even though I already have 2 other ones. I opened a business account and deposited {$300.00} into the account. The teller told me that the account would have no fees, so I planned to just keep the {$300.00} in there until I actually started running the business.

Problem 1 : I asked numerous times to be able to access the account online through my online banking, nobody was able to help, so I was never able to access or view the account.

Problem 2 : I started receiving e-mails that the account was overdrawn. I've never once used the account to make a withdrawal or used any money in that account. Not the balance according to the e-mail is - {$14.00} when it was + {$300.00}.

Wells Fargo willfully lied to me and stole all the money out of my account while not allowing me to access the account. I'm not sure how this Bank is still in Business after all the horrible things they keep doing to people.

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 2018-04-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX From : XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ; Home Tel. XXXX To : Consumer Financial Protection Bureau Ref : Wells Fargo Credit Card No. XXXX XXXX XXXX XXXX ; Unable to Get Hard Earned Reward Points Dear Sir or Madam, Wells Fargo ( WF ) bombarded us with the WF Credit card applications. We were not interested in more cards. Finally, I applied for it and start using the card to get the rewards as promised 5 %. On XX/XX/XXXX, XXXX ( XXXX Nevada ) told me that my rewards will not be at 5 % ( only for 6 months a fact concealed nicely ). She also told me that reward points will expire on XX/XX/XXXX. This came as a shock since WF did not state this during the application process. I then asked her to send me a check of the remaining reward points ( balance about {$20.00} ) and then cancel the card. She refused to do that since the reward balance is less than 25 can not be given. I stated that this is a special case in that WF lied to trap me, or at least withheld important information. Further, she told me that cancelling the card will forfeit all the reward pints. She then said that someone from the executive office will call. 

On or about XX/XX/XXXX, XXXX XXXX XXXX called but refused to release my reward points ( ref : XXXX ). 

This is not fair nor it is legal to deceive customers by perpetual cajoling to get their card and then not pay the reward legally earned. It appears that WF is still involved in unethical and shameful practices. Dishonesty is deeply ingrained in WFs culture. We are helpless senior citizens and ask you to assist us in this matter. All we are asking is to get our earned rewards. 

Sincerely yours, XXXX XXXX Home : 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 non-monetary relief
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I continue to receive letters from a Debt collection Law firm called XXXX XXXX XXXX, XXXX XXXX XXXX, which I have disputed and written several letters to indicating that this debt does not belong to me. I was never served.I notified them that this was fraudulent and was illegal to collect monies from me on a debt that does not belong to me. This debt appears to be more than10 years ago and even the statutes of limitations to collect had ran out, and I have just received a renewal of judgement dated XX/XX/XXXX. XXXX XXXX XXXX have renewed a judgement that has been more than 10 years ago and served me with this new judgement on XX/XX/XXXX. I had previously filed a complaint with the CFPB about this law firm and their illegal tactics and deliberate violations of all applicable laws that applies to the FCRA and the FDCPA. with the CFPB and nothing came of it. This Law firm has a track record of harassing and aggressively collecting and suing innocent consumers and they need to be investigated for violating consumer protection laws and statutes. I am a medically retired peace officer with the inability to settle such a debt even if the debt was mine. To have twice filed an illegal judgement against me is very debilitating to me and my general welfare, particularly my health. Please I am pleading with CFPB to open an investigation into XXXX XXXX XXXX, XXXX 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 2018-04-21 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: TN

Complaint narrative:
I was told this loan was going on my G I bill related to my military service. I did not attend after I was place in the class that had no bearing on photograph. I returned all the equipment and never cashed any checks. i am still being billed by this school. I have contacted the and asked for documentation of payments and checks cashed but the school hasa been unable to provide me this information. They are committing fraud because I never attended past a few days

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 2018-04-21 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: TN

Complaint narrative:
I was told this loan was going on my G I bill related to my military service. I did not attend after I was place in the class that had no bearing on photograph. I returned all the equipment and never cashed any checks. i am still being billed by this school. I have contacted the and asked for documentation of payments and checks cashed but the school hasa been unable to provide me this information. They are committing fraud because I never attended past a few days

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 2018-04-21 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth financial systems, called me about a debt for {$780.00} from a hospital visit in XX/XX/XXXX, I had and currently have insurance from my employer whom I've been working for, for 6 years ( XX/XX/XXXX ) the insurance should have covered my hospital bills, and no disclosure on how/why I was charged and not notified way back then about this debt ... this is showing up on my XXXX and XXXX credit report, and I also have noticed on my report that a couple of the months on the payment history show as " C '' " current '' and the rest as " ND '' or " no data '' ... is this a form of re aging? Please contact me with an update whenever possible ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
In XX/XX/2017, ditech changed my escrow amount and did not notify me. Due to a {$60.00} adjustment of my taxes, they changed my escrow amount, but did not notify me of the change. They claim to have mailed me a statement saying so, however, I did not receive any statement from them outlining the escrow change.

I made my regular monthly payment of {$2400.00}, as usual, unaware that now ditech was expecting a monthly payment of {$2500.00}, due to adding an additional escrow, and so considered my monthly payment {$43.00} short.

ditech did not contact me at all during this time to inform me of the shortage, and I was unaware until I received my next statement, upon which I immediately called to pay and correct the difference. However, ditech has assessed me a {$77.00} fee over a discrepancy of {$43.00}.

ditech 's customer service representative told me over the phone that they were charging the fee simply " because they could '', and said that ditech had no obligation to inform me that my escrow had changed. They refused to remove the fee, even though I have always ( and continue to ) pay my monthly payment on time, that I was unaware that they changed my escrow without informing me, and that the fee of {$77.00} charged was almost double the disputed amount of {$43.00}. ditech 's rep said I had agreed to the fee when I received my mortgage, which is completely untrue, as ditech purchased my mortgage from another company and I have never filled out any paperwork with ditech or my previous lender authorizing such an egregious fee amount.

ditech refuses to remove the fee, and has repeatedly begun calling me and sending me collection letters over the {$77.00} late fee.

ditech 's abuse of escrow to charge a 178 % late fee is tantamount to loan sharking, especially given they claim to not need to notify me about changing my monthly payment. Having read other stories online, this seems to be a common practice ditech is using to abuse mortgage lending and make profit by changing escrow amounts without notifying customers and then charging high late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hello, I am in concern with discover XXXX they have been taking money from unknown accounts of my relatives to my parents to put it in their accounts when I had paid them fraudulent charges along with debit owed. Ex ; XXXX had used the card ending XXXX and widthrew about 5k from my account caused XXXX  and XXXX XXXX XXXX to seize my accounts and now still charged my accounts when the debits are cleared and this is the last time I am ever going to conduct bussiness with them because they had added state of California account to my account and had made payments when my account is at freeze mood. I wanted to know what kind of collection is that and then they send employees and people by paying them who are living as of now in XXXX and XXXX XXXX   who has interests in it and want me to not pursue it because a lot bunch of filthy secrets will be unveiled. I leave this to CFPB to assist or not but following is my demands and need to be met in 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I contacted XXXX XXXX XXXX. I spoke to XXXX. XXXX identification number is : XXXX. I called to ask why I was getting phone calls about my account going into default. I had an agreement with XXXX on XX/XX/XXXX at XXXX XXXX XXXX ( ID:XXXX ) to pay {$150.00} to bring my account up to date. XXXX stated I had until XX/XX/XXXX to pay the XXXX dollars. I agreed to do so. My bank states XXXX XXXX received and cashed my check on XX/XX/XXXX. When I talked to XXXX she claimed the check hadnt been recieved or applied to my account. I told her about my bank reporting the check being cashed. She again reiterated that they hadnt recieved any money from me, and asked for another {$150.00} to secure a good faith payment and to keep my account from going into default. I reported I did not have another XXXX dollars to give her. I also asked XXXX to stop calling my friends and family and disclosing my debt to unauthorized persons, and to stop calling me after XXXX XXXX  and before XXXX XXXX. I reported that it was illegal to harass me and to call after XXXX XXXX and before XXXX. I also reported it was illegal for her company to disclose my information to friends and family members without my consent. XXXX reported they were within their legal limits to do so. When I reported the Fair Debt Collections Practices Act, XXXX began to back pedal and claimed XXXX XXXX and its employees have not disclosed my information to friends and family. I replied by saying, interesting, and that my friends and family members are reporting otherwise. Contact with XXXX ended after that conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Home Loan Center, Inc.
State: TX

Complaint narrative:
On XX/XX/18, I was browsing on refinancing my current vehicle. I came across the XXXX XXXX website and just for my own curiosity filled out their form to see what kind of offers were out there. I did not provide my social security because I was not that serious about refinancing. If I had been asked to provide my SSN, I would have stopped right there and forgotten about the whole thing. Next thing I know, I received a credit monitoring alert that my credit report had been pulled. I called Lending Tree to see how this was possible given that I had not provided a SSN. Apparently they do not need you to provide this to be able to pull your credit report and I agreed to all this by clicking on the Submit button because buried deep in the Terms of Service this means I had consented. I admit I did not read all 30 pages of their terms of service prior to hitting the submit button because I thought I was safe considering I had not provided my SSN to them. How is this even legal?? What a scam. They count on consumers not reading the fine print and will continue to get away with this very deceptive business tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One Platinum Due Date : XX/XX/XXXX Payment attempted XX/XX/XXXX via phone app.approx XXXX EST Informed payment would not post until XX/XX/XXXX because it was XXXX EST Capital One Customer Service called XXXX ( phone record ) but reached no one until XXXX Informed that " late fee '' would be incurred because it was after XXXX EST even though statement states as well as computer generated phone inquiry states due date as " XX/XX/XXXX '' without mention of ANY cutoff time.

Was informed that I could call back today re : late fee and ask about it being waived which I did. Was informed that a credit of {$25.00} would be returned to my card in 3-5 business days.

Capitol One representative could not confirm or deny if regardless of waiver, credit reporting agencies would be alerted.

Very upset by this as all consumers should be. The payment time should not be at the convenience of the company who is using an arbitrary number " within that same day '' as but one more way to collect a fee for revenue purposes. If the statement says a particular date, the consumer needs the assurance that as long as their payment obligation IS made and posted between the hours of XXXX  and XXXX on the designated " due by date, '' no late fee should be leveled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have {$530.00} bank fees due to a XXXX error. I contacted XXXX and they stated they would provide me a letter by email to give to Compass. I waited two weeks and never received the letter. They continued to submit for payment out of an account that I requested that compass close prior to the error. I contacted compass to o let them know the drafts were without my permission and requested that I receive a reversal of fees and to not allow any more drafts were I would receive more NSF and other fees. I contacted compass several times by email and by phone. They continue to allow the drafts and continue to charge me NSF. I was told by they fraud department that it was up to me to talk to the merchant I explained that I tried several times and they have not fixed the issue. Compass still had not done anything regarding the credits or closure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-21 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Allegedly I opened a XXXX credit card account on XX/XX/XXXX. Both the date ( being exactly XX/XX/XXXX ) and the opening balance ( Only {$6.00} ) are suspicious. I did shop at XXXX on or around this time ; however, I did not knowingly open a new credit card. Furthermore, I have never received a physical card or any other information related to this account. I have never activated such card or used it for any purchases. 

After seeing this negatively impact my credit report, I contacted the merchant directly in XX/XX/XXXX to resolve. I even tried to pay the alleged {$6.00} at that time and was told I could not pay b/c the account was closed. Apart from this incident, I have a stellar credit history and a great income, so paying a {$6.00} balance would never have been an issue for me. However, my only option then was to trust the merchant that this had been resolved. 

I even disputed this account with all 3 credit bureaus at that time. Until last month, all 3 had marked the account as closed. I monitor my credit through XXXX XXXX which shows the account as closed ( screenshot attached ). However, today ( XX/XX/XXXX ), I was declined by XXXX credit for a student loan refinancing opportunity due to a negative account. After looking at my XXXX XXXX report, there we're no negative accounts to speak of and my scores we're excellent : XXXX for Transunion and XXXX for XXXX. Noticing that XXXX  was missing, I went directly to XXXX 's website to discover the issue and that's when I saw the negative item from XXXX. 

It appears that the merchant, XXXX, re-opened this closed account as of last month and reported negative history to the credit agencies. The merchant 's neglect in this case has now caused me damage in the area of falsified negative credit reporting resulting in a loss of student loan refinancing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-21 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: FL

Complaint narrative:
Experian is currently reporting that the following accounts are mine when they are not. They do not allow you to re-dispute which is against the law. They clearly are in violation of the Fair Credit Reporting Act : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Acount # 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 2018-04-21 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: SC

Complaint narrative:
I have unauthorized credit inquires on my Transunion credit report. I have tried to contact the companies but have had no luck. I'm trying to purchase a house and need these inquires removed from my report ASAP. 

XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( 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 2018-04-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours
State: CA

Complaint narrative:
I emailed XXXX the week before repayment of my {$540.00} loan ( due XX/XX/XXXX ). I told them of my situation-loss of income- and they could not give me more time to pay because they had given me that courtesy once before in XX/XX/XXXX. Okay.

I then sent them a follow up email letting them know the payments would be returned due to my financial hardship and they merely said if and when they were returned then they would try again for the next pay period, in 2 weeks.

I sent an email revoking my previous authorization to automatically debit my account. I received an email from a XXXX saying due to the nature of my issue it had to be sent to a specialist and needed an intervention from them for further review. She checked back with me I believe 2 times over the next week in including the day of XX/XX/XXXX which they DEBITED MY ACCOUNT ANYWAY!

Since they debit how you receive the funds- 5 different debits instead of one, I got charged NSF fees.

They can NOT debit my account after I revoke authorization. I emailed them and have yet to hear back from them when usually they respond the same day and now that they've illegally taken my money, they won't respond.

Company response to consumer: Closed with explanation