vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-10 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: AL

Complaint narrative:
Request credit reporting agencies to verify/validate items by disclosure of documents and method for accounts being placed to my credit - according to 611 ( a ) ( 7 ), 609 ( a ) ( 1 ) ( A ) & 611a ( 1 ) ( A ). These steps are required by them to ensure it is correct prior to placement to my file or delete the unverified accounts after 30 days of investigation per 611 ( a ) ( 5 ) ( A ), ( first letter dated 6/16/18, 2nd letter sent 7/18/18 ). Response ( s ) have been no response, updated, meet FCRA, and account closed, but still remain on my file without any documentation being provided as to the validation of any of the accounts being there. I have been requested by the CRA to provide information to them, ( assuming to verify/validate ) under 1681 ( a ) ( 3 ) it is the vital responsibility of the CRA to ensure the information is correct by the providing source, as they have attempted to place it back on me. One has stated it requires an  extension after the initial request date was XX/XX/18, the extension date is until XX/XX/2018, which is longer than the 15 day permitted timeline, I received this update notice XX/XX/2018. No addition information was provided by me during the initial 30 days ( XX/XX/18 - XX/XX/18 ) to warrant an extension according to 611- ( a ) ( 1 ) ( B and C ) this is required, another violation.

I have response documentation, the certified dated documented delivery receipt ( s ) and copies of letter ( s ) mailed, I am unable to upload, but can supply them upon request by fax, or mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery is trying to collect a debt from me from services that never happened. 
The XXXX office was wrong in that they charged me for a partial denture that I refused to purchase and never picked up, why is this dentist charging me for something that was never done? Also, I paid out of pocket for part of my services ( I will attach that receipt ) Portfolio recovery never sent me anything or else I would have questioned charges a long time ago, the only reason I found this out was when I ran my credit score a couple of months ago. Ive attached everything I have. I filed a claim with the XXXX XXXX XXXX, but the collection company does not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: DE

Complaint narrative:
I had a car loan with XXXX. The car was repossessed and subsequently re-sold to another individual. XXXX applied NONE of the funds from the resale to my balance and is now attempting to collect the full balance from me and apparently a balance on the same vehicle from someone else. 

I have been told that this company does this to virtually everyone..often selling the same car 5 or 6 times and then collecting full balances on each of them so that, in effect, they can collect {$40000.00} in balances on ONE $ XXXX vehicle. This is not only unethical, it is ILLEGAL and the CFPB needs to turn this into a national class action lawsuit. 

They have also now placed this debt with NCB Management which means they are also breaking federal law XXXX Account XXXX NCB Account ( same )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: U.S. BANCORP
State: TX

Complaint narrative:
We want to let your organization know that we believe that our credit card has been compromised or hacked. Either through an XXXX device or our Fidelity Credit card itself via XXXX. 

On XX/XX/2018 we were informed by our financial institution ( Fidelity Visa 529 card ) that our small purchase wouldnt go through because we were over our limit. Doing further investigation, on our own, we found that approximately {$20000.00} of unauthorized charges were on our childs phone via i-tunes and ONLY i-tunes. 

We contacted Fidelity and formally declared unauthorized activity or fraud. We also contacted XXXX fraud support case # XXXX. In the beginning Fidelity spoke with and worked with XXXX and refunded some of the charges. However, after more charges came to light and our case with Fidelity was transferred to another fraud employee they no longer agreed that fraud was the issue. 

We asked Fidelity, why they didnt let us know about suspicious activity on our account or put a hold it. They claimed we have to be authorized, by you the card holder, to contact you when we suspect unusual activity. They did however contact us previously about suspicious activity and stopped one card and sent new ones, without being authorized. 

While on the phone with Fidelity fraud department and with our childs phone in our possession new unauthorized i-tunes charges were rolling in. Fidelity deactivated this card and sent us new cards. Shortly after, putting this card into an XXXX device, new unauthorized charges started once again. XXXX support said they would credit back these fraudulent or unauthorized charges just as soon as Fidelity requested them to do so. Fidelity has decided they will bill us instead. 

As a consumer, we do NOT believe that our interest are being protected by Fidelity Visa, nor do we believe that we are the only ones experiencing 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 2018-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I disputed my issue with PayPal after I was scammed by a seller on XXXX weeks ago. I have shared all my documents and disputed with my bank. PayPal issued me a credit of {$9.00} and took it as a refund as my bank hasn't decided. PayPal seems to be corrupt and doesn't seem to favor consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Mr. XXXX, this is another follow up to initial CFPB, case # XXXX and case # XXXX. Since you haven't answered questions in my previous submission, I have to submit another complaint. 

I will start with a bottom line : I looked on the internet - the US Treasury and US Department of State web sites - and to my knowledge there are no sanctions placed on XXXX as a country, only on selected individuals and companies undermining dependence of XXXX and its territorial integrity. Overall, the US acts as an ally to XXXX helping to combat XXXX 's aggressive behavior. 

Mr. XXXX, I have to inquire again : please, provide a name, a number and a date of the sanction/Executive Order/other document, which directs CITI BANK to not open account for me, a citizen of XXXX. 

Please, familiarize yourself with a full list of sanctions. 
From XXXX Department XXXX XXXX, XXXX : //www.state.gov/XXXX   XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Certain Persons Contributing to the Situation in XXXX XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Certain Persons Contributing to the Situation in XXXX XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Additional Persons Contributing to the Situation in XXXX XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Certain Persons and Prohibiting Certain Transactions With Respect to the XXXX XXXX XXXX XXXX Executive Order XXXX was issued on XX/XX/XXXX and authorized the imposition of sanctions on individuals and entities determined to be responsible for or complicit in malicious cyber-enabled activities that result in enumerated harms ... 
Executive Order XXXX issued on XX/XX/XXXX, amends EO XXXX. E.O. XXXX focuses on specific harms caused by significant malicious cyber-enabled activities, and directs the Secretary of the Treasury ( ... ) to impose sanctions on those persons he determines to be responsible for or complicit in activities leading to such harms. 

You can review information about sanctions here : https : //www.treasury.gov/XXXX You can see a complete list of people under sanctions here : https : //www.treasury.gov/XXXX I would be happy to schedule a call with you and discuss this in details - so far my call have been unanswered. 

Thanks for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name XXXX XXXX XXXX, I had funds drop in Wells Fargo Bank, back in XX/XX/XXXX. I had two checks written on U.S. treasury from Social Security XXXX? The amount of two checks {$30000.00}, and {$20000.00}. I noticed that when I would go and draw funds, more funds came out then just the requested amount. 
I called a Police report lived at XXXX XXXX XXXX XXXX, XXXX XXXX, Calif. XXXX. The police report will have to request from XXXX XXXX, Police Department. The amount stolen is {$12000.00} I have called and the Fraud line and called the Fraud line, to no action back from Wells Fargo. As you can see we are in XXXX XX/XX/XXXX. To date no Action has happen.

I've ask begged give letters, Police Reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: MO

Complaint narrative:
BB & T, XXXX XXXX XXXXXXXX, XXXX SC XXXX included as part of my monthly mortgage payments my homeowners insurance premium. B B & T then did not pay my carrier.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: KEYCORP
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX ( which no longer exists ) has 4 outstanding loan of mine from the University at XXXX and the consistently refuse to lower the payments, work out any type of income-based repayment schedule or defer the loans in any way shape or form. It's almost criminal they way the operate and the only reason they did not sell off these loans was due to the fact that I had my father co-sign on them many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
It's a Citi Diamond Preferred CC account. The payment was due XX/XX/18, I was in transit - flying. Had the flight gone as planned, I would have made the payment in time. As it happened, I was stuck on the plane on the tarmac due to equipment failure, then inclement weather for 5 hours. I did not have alternative means to pay the bill as a result of this situation. I sent in the payment as soon as I was able the next day. I then called Citi card services about the fee. I was told a request was put in, though nothing could be done until the fee was officially assessed on XX/XX/XXXX at the latest. The fee was assessed on XX/XX/18. I called about the request to remove the fee. The representative told me he put in the request electronically, it was immediately denied with no explanation. I asked if I could speak to a supervisor or someone higher in the chain of command who had authority to deal with this issue. He said no one has a higher authority to deal with fees, all positions have the same authority and there was nothing he could do. I find this highly improbable. I suspect this is an auto denial on all late fees regardless of situation. Ihave had fees dealt with from other card companies in the past. This is a policy that is not for the customer. It does not embody the value of a relationship that Citi cards claims to create.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I had an auto loan with XXXX and paid on it since XX/XX/2013. XXXX XXXX XXXX offered me a chance to pay off XXXX and settle up some late fees with them, but I didn't realize the amount of interest they were charging me. I borrowed {$19000.00}, and I am paying back {$29000.00}. {$10000.00} interest for another 5 years. Is this feasible or am I losing my old mind. I am a XXXX XXXX veteran struggling to make ends meet, but if they are within their rights to charge that much ; please accept my apology. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
The company servicing my loan is Select Portfolio Servicing. I have had many issues with this company during the servicing process dating back many years. I am trying to get information from them the Mortgage Trust they are attempting to collect on. 
The trust is held by XXXX XXXX XXXX XXXX, being serviced by Select Portfolio, yet the payments apparently are being dispersed by XXXX XXXX. All of these banks have recent court rulings againt them as far as Mortgage Trusts are concerned. 
My mortgage is part of the XXXX XXXX XXXX XXXX held by XXXX XXXX. I am attempting to find information on the actual trust. Through my own research I can find no information on this trust past 2006. I have searched FDIC site as well as many others. 
I have talked with people at XXXX XXXX  that should have direct knowledge of the trust and they referred me back to XXXX XXXX who supposedly disperses payments for the trust. XXXX XXXX could tell me nothing. When I talk to Select Portfolio and  try to gain information on the trust they seem to know nothing about it as well. 
I have verbally requested info on this over 30 days ago and spoke with the Ombudsmen office today and still got nowhere They have accepted me into a payoff plan, which they only gave me less that a month to accept, I told them I needed the information on confirmation that the trust actually exists before I can start making payments. It is only common sense that you don't pay things when you have no idea where your money is going. Deadline to accept the plan is this Monday the XXXX and they will now extend it for me. They have also set up a foreclosure date even before they knew if I was going to accept the plan or not. The foreclosure date is for XXXX 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 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: CA

Complaint narrative:
Late payment In XX/XX/XXXX of county taxes that had been in escrow. 

Non reporting to Credit bureaus. Asking for reaffirmation of Bankruptcy when it's been done in XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: MI

Complaint narrative:
I was a victim of ID Theft as far back XXXX. I have two entries on my credit report that are a result of that incident 2 collections from XXXX XXXX collection on behalf of XXXX entered in on the dates of XX/XX/XXXX for {$990.00} with the account starting with ( XXXX ) and again for XX/XX/XXXX for {$1000.00} with an account number starting with ( XXXX ). Again these are both the result of past fraud. I have have not had any recent activity but I would like these addressed. I have included a police report as well documenting my efforts to show this was not my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Very simple. I used the card for business transactions XXXX XXXX XXXX   XXXX. I shipped a tv from XXXX XXXX IN XXXX TO XXXX. XXXX   damaged the tv and I never received it. Wells Fargo denied my claim to dispute the {$110.00} charged to me to ship it and I never even received the service. This is not the first time I have tried to get money back from a bad transaction before. I never even got far the rep was so mean and discriminative. They just dont help you. I want my money back. My tv is gone! Damaged. Im in XXXX I can not go back to XXXX for a damaged tv. The tv is stuck in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC is the company I am having a dispute with. I sent in a form to change my payment date. They did not process the payment date change in time. I went online and paid my bill last month, for some reason the payment was reversed even though funds were available in the account selected and the only reason I set up online bill pay was because I would be charged if I continued to pay over the phone. I was contacted by the company saying i was 37 days past dude 10 days of my payment was reversed and I was not aware of the reversal. I made a payment on the phone today with the rep and asked to have the late charges removed and the info removed from my credit report to avoid it lowering my credit score since I attempted to pay, they said they can not help me even though she apologized on behalf of PNC for the inconvenience regarding the payment date change, payment reversal, and incorrect processing of the payment due date change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
company called do not call list. Someone erred and listed my phone which was erroneously listed and forwarded to debt collector. I would like full name of debt collection agent as this was complete negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
I took out a title loan in XX/XX/2017 and didn't make a payment due to loss of my job as well as getting XXXX XXXX  XXXX which landed me in XXXX for 12 days on XXXX XXXX. I recently got my truck repossessed which I understand but they are trying to say I owe them XXXX to receive my vehicle. I am willing to pay them via my parents who now know but didn't previously. My mother said she can pay like {$300.00} a month but not everything all at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have had nothing but issues with Equifax since I requested a free copy of my credit file. I have been unable to dispute anything online with them, I am told my information doesnt match, which is impossible as XXXX accepts the same information without issue. I was successful sending one dispute online and received an email saying it was ready to be viewed, except Equifax will not allow me access to view the results. Email says I have 30 days to view it, upon trying to do so, I receive a notification saying my information does not match what they had on file. In addition, I removed the credit freeze on this account and yet IT'S STILL THERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX and all CRA reporting account not mines and never done business with company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation