vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I had fraud on my Wells Fargo Credit Card the end of XX/XX/XXXX and funds returned XX/XX/2018 in the amount of {$1200.00}, this was including the Adjustment Purchases and Interest adjustment as well and these were International charges as well. Wells Fargo replaced my card with a new one as well. On XX/XX/2018 my account showed 2 bank adjustment 's one for {$430.00} and the 2nd for {$140.00}. I saw these charges XX/XX/XXXX and called in about them. They explained that one of the International merchants had returned funds and it had gone to the old credit card number that had fraud on it originally ; the system in error did a bank adjustment on my new card and added the two amounts making me responsible in paying them back. They stated that the system would correct the error in 24 to 48 business hours. That time passed and I called back again being told the same thing, they stated that they would do a manual adjustment so those charges would be removed from my account but it never happened. I was then told in the beginning of XX/XX/XXXX when I called back that the fraud department was not allowing the correction to be made. XX/XX/XXXX I called customer care to request a case be opened as I was beyond frustrated by this situation. The customer care representative agreed that there was an error and attempted to resolve it with fraud and had no luck. He opened a case # XXXX and told me it would take a few days. A week passed and I called again XX/XX/XXXX and was told a XXXX  was assigned to it but nothing had been started yet but I would hear back from him. I still had not heard anything and called XX/XX/XXXX XXXX and spoke with a XXXX XXXX who was very helpful. She also reached out to fraud and found them to be very frustrating, she compiled an email to make clear what had happened and what needed to be done. XX/XX/XXXX she let me know she was told by a fraud manager that they  would make the corrections and would credit my account the {$570.00}. It would again take 24 to 48 business hours to complete. I checked my account on XX/XX/XXXX and saw that they did not credit my account but did a balance transfer of two amounts of {$140.00} and {$430.00} ( the original amounts that were to be removed ) as a debit to my new card. So I am now carrying a balance of {$1100.00} on my credit card that were from fraudulent charges. Wells Fargo has not fixed this error and has only made this worse. This high balance on my card is affecting my credit and I am being held responsible to pay for charges that are not mine. I will attempt to call back again to try and resolve this situation but I feel I am being victimized by Wells Fargo by them not fixing this error ( s ).

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 2018-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
My mortgage was sold three times in the short time that I have owned my home. I purchased my home in XX/XX/2016. The latest mortgage company is SLS Loan Servicing ( Company ) whose principal place of business is somewhere in Colorado ( they keep changing mailing addresses ). I have been trying for a year and a half to have PMI removed from my mortgage payment. I have spoken to them countless times and sent a few letters. I have met all of the criteria for having PMI removed from my account including authorizing ( and incurring the cost of ) an appraisal ( even though the original appraisal was only a year and a half old ). That I have to pay for an appraisal is doubly outrageous as I have provided a appraisals of properties in my neighborhood which clearly demonstrate an increase of $ XXXX over what I paid for my house. I have been waiting for the results of the appraisal for over XXXX months. I despise this Company. All it has does is jerk me around and delay, delay, delay.

Please tell me if there is some entity other than CFPB that has jurisdiction over this matter. I am at the point where I am contemplating filing a lawsuit against this Company, but again I'm already being XXXX   financially by having to pay for PMI which shouldn't be on my account to begin with, and an appraisal that isn't necessary.

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 2018-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I fell victim to a online personal loan scam which I already filed a claim on. They deposited {$840.00} into my Chase bank checking account which I was able to withdraw. The fraudulent loan company said it was to raise my credit score and they had to deposit a larger amount of {$1300.00}. At this point I received a notification from Chase that they were putting a hold on the check until XX/XX/XXXX and that was all I heard from them. Later that day Friday the XXXX I went to get gas and my card read invalid so I went to another station and same thing happened! Now Im freaked out so I call Chase and the guy says my account was closed. I asked him why and he said I would have to call corporate and I demanded he connect me, I was livid because I had just been embarrassed twice in front of my little boys! The man from corporate was rude and arrogant from the start and said yes my account was closed because I dont meet the criteria for a Chase customer! He said the checks deposited were bad and I was on the hook for them. He made me feel like the criminal! This is the only incident I have ever had with Chase, they offered no help nothing. I asked him when were they going to get around to telling me my account had been closed and he said I should get a letter in about 10 days!! I cant get the money left in the account out, Ive had to contact everyone that I paid through my debit card, Im on XXXX and I dont if I got to Social Security in time to stop next check from going to Chase? Its caused me a living nightmare! I told the man, you know if I had a million dollars in this bank this would be handled way different, he said if I had a million dollars in his bank I wouldnt be XXXX enough to fall for a scam!!! This is just unacceptable treatment period!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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 — Overcharged for something you did purchase with the card
Company: Uber Technologies Inc.
State: NM

Complaint narrative:
I was incorrectly charged {$230.00}. The correct charge is {$6.00}. Uber agrees this is the correct charge, but because they had trouble issuing the refund to my credit charge, Uber has issued an Uber credit instead. Uber credits are unacceptable. I am being defrauded out of cash in the amount of {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a credit report dated XX/XX/XXXX in which it shows the XXXX XXXX XXXX account as " settlement accepted on this account-paid charge off - legally paid in full for less than the full balance ''. The comments are listed on the XXXX XXXX XXXX account with all 3 bureaus on the credit report from XX/XX/XXXX. I looked at a more recent credit report dated XX/XX/XXXX and the same account XXXX XXXX XXXX is listed with Transunion with a past due balance of {$5600.00} and the comment states " profit and loss writeoff - charge off as bad debt ''. Please note I settled this account and legally paid in full less than the full balance. There should be a {$0.00} balance and the comment should reflect " legally paid in full for less than the full balance '' like it used to last year in XXXX. This is an error and I have disputed it with XXXX XXXX XXXX and Transunion but it has not been corrected. My credit suffered tremendously when they put a debt back on my credit report that is not correct, it increased my debt to income.

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 2018-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My navient student loan payment is due the XXXX of each month, on auto-pay. On XX/XX/XXXX, I received my monthly statement that my payment due XXXX was {$180.00}. Previously, my payment was {$180.00} and I was curious of the change, since I am fully paid off XX/XX/XXXX. Thankfully, I logged into my account on XX/XX/XXXX to examine the change. Online, it stated my payment due was {$190.00}, I believe. I spoke with navient earlier and asked them to discontinue auto pay. I was never notified that my payment increased. This is not the first time they have increased my payment without informing me.

While online, I noticed my outstanding balance with them is only {$430.00}. Yet, they are telling my I have five remaining payments of somewhere between {$180.00} and {$190.00}, I never asked for conformation on that. When I asked why I was paying so much more than my outstanding balance, the customer service agent told me because I had always paid on time ( just shy of the 10 year repayment ) and never modified my loans in any way, the system had not recalculated my payments correctly. However, there is new " schedule begin date '' of payments that starts XXXX. 

Navient previously increased my payment on XX/XX/XXXX. When I called to inquire then, I was informed that to be paid off within my 10 year time frame, my payment needed to increase. Clearly, my payment did not need to increase then. When I asked the representative today what the solution was so I did not overpay, she told me I could just pay the {$190.00} and I would be paid off earlier. As excited as I am to have my loans paid off, my budget is tight right now, and I would rather not pay more than I planned on such short notice. However, I will probably just payoff 2 of my 5 small loans, and make minimum payment on the other three. This amount is actually about the same as my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
well XXXX got me, gave be a better deal was to pay of my XXXX and they also took 4 of my phones, well when I was a the XXXX store I let the XXXX guy get into my XXXX to have all payments cleaned up, 3 week later nothing I was turned into the collections agency 's for my XXXX, so I paid that, then every other day I would call to ask for a manger or would drive down well the guy who took care of me got fired but yet I was still determined to get to a manager, XXXX XXXX XXXX XX/XX/2017 was not able to drive for a few but could call, still no manger well was ready to do some driving still no manager to talk to so will XXXX breaking contract first buy not paying XXXX I shut XXXX off not only they owe me XXXX for paying back XXXX they also owe me for 4 cell phone they lost well here I am I disputed this with XXXX and was deleted from my report XXXX XXXX account # XXXX now someone else have bought it and placed all creditors on all my 3 reports I don't know what to do, not only have they lost it also fraud thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MST Financial Services, L.L.C.
State: ID

Complaint narrative:
XXXX XXXX is about the worst collection company I have ever dealt with. Not once have they ever given me the option of disputing the debt, the call me, my wife, my place of business all the time and are extremely rude and abusive. We have tried to set up payment plans with them which they refuse. I had them call me on XX/XX/XXXX at my work and I asked why they called my work and not my cell phone. They claimed they didn't have my cell number which was false as they call it all the time. I looked through our logs and other employees have also told them to stop calling here and they continue to do so. ( I was able to track down a recording of another employee telling them not to and them calling multiple employees after being told not to. They will not allow you to make payments on a single account when they hold multiple but they are now taking me to court over a {$76.00} 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 2018-07-30 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XX/XX/XXXX, after a car accident, I paid a portion, insurance paid a portion for car repair and rental of car. In XX/XX/XXXX Regions Bank began issuing a bill for the car rental. I have paid some on this bill, even though I do not believe I own this bill. The bank has been billing for this, since XX/XX/XXXX. The amount now due in XX/XX/XXXX is {$910.00}. I talked to the local bank branch, they could not resolve this issue. I sent a letter to the Regions Home Office in XXXX or XX/XX/XXXX. I did not receive any reply from Regions Bank.

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 2018-07-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I wrote Transunion informing that I did not sign any documents on any hard inquiries on my credit report. Transunion wrote back and said to stay off the internet and it will stop. No investigation are anything. Poor customer service

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 2018-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a student account with Bank of America. I attend XXXX in XXXX and had requested that Bank of America not let debit transactions to post to my account if the funds are not in the account. We'll, they allowed a {$2.00} charge on my debit card to hit my account and they charged me {$80.00} in fees for this one transaction. I am a broke college XXXX and they have charged me over over {$100.00} " overdraft '' fees this year! I am closing my account with them and feel they are excessive in fees, more than is allowed!

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 2018-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber
State: TX

Complaint narrative:
My complaints is not just about the 30 day " notice '' letter. Which I never received about this debt. The only reason I know about this is because I received an alert from my credit monitoring service. I have been working on my credit and it is looking great until this happened. 
Real quickly, my monitoring service just posted a collection from Grant & Weber account # XXXX. I looked them up online and they seem to be out of XXXX XXXX. The collection shows online that the original creditor is XXXX XXXX XXXX XXXX with a balance of {$11000.00}. As stated above I never received a phone call nor any letters from this company. 

Additionally, it shows as a voluntary repossession from XXXX XXXX XXXX XXXX, account # XXXX, with a balance of {$12000.00}. 

The issue is now I have 2 negative items that are effecting my debt to credit ratio twice for the same debt. My understanding is that is either an FCRA volition or an FDCPA violation or both. You can't have the same debt count against you twice. Not to mention both companies are reporting different amounts and I have no idea if any dates are correct but likely that is wrong too. 

Since the collection agency, out of XXXX XXXX, I am in Texas, has never contacted me or allowed me 30 days to dispute the debt or settle the debt. Both accounts seem to be hitting my debt to credit ratio twice and who knows what is right or wrong. I am requesting it be removed from my credit report or the burden should be on both companies to sort this out and to send me correct information. I believe the collection agency should not even be allowed to collect on my credit report at all however.

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 2018-07-30 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 — Was not notified of investigation status or results
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
I was unaware that a debt was sent to collections until after the company sent me a letter. They place this on my credit report on XX/XX/2018 after the original creditor sent it to them on XX/XX/2018 which is the same day I moved out. This debt was not even 30 days past due before they place it on my credit report nor was I aware that all of this has token place. I received a letter from the collection agency on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Recently signed up for a Best Buy store credit card and they created an account and subsequently canceled my order so I also canceled my credit card. 

Meanwhile they never sent a card or statement to me ... the only reason I know of a statement was because they sent a vague email notifying me of a statement. 

Meanwhile I can't login online to see anything since they never sent me a card. When they claim I had to have a card to create the online account and opt in for estatements. 

This is a blatant lie on their part, and a major gaping hole in their systems if they think they can send an estatement to people that don't have cards and have no means to login and pay. 

-

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 2018-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: VA

Complaint narrative:
This is an update and a continuation from a formal and closed complaint filed with the CFPB for this same collection company that is continuing to harass me and continue to collect a debt that is not mine and that this company agreed to close and remove any negative notes to my credit file ( which they did ). 

Beginning on Friday, XX/XX/XXXX, I received an auto dialed recording to my place of employment ( federal government ) at exactly XXXX XXXX. After a simple XXXX search of the number, I found that it is it is tied to AR Resources and consumers have complained of these same types of calling coming from the same number on their XXXX page. Today, Monday XX/XX/XXXX. I received the same time call at XXXX XXXX. Both have been saved in my work phone inn the case legal action has to be taken. I had to XXXX the number because the recording does not inform you of who is calling and jut says to " please call XXXX '' In CFPB complaint XXXX, AR Resources responded to the CFPB agreeing to close this account so for them to start attempting to collect a debt I have no knowledge of over a year later is very surprising. What is more surprising is that they were sent a validation letter on XX/XX/XXXX which clearly informed them that they were not to contact me by phone so this is a clear violation and a backdoor attempt to try to continue to harass me for a debt that is not mine. Since this case was closed through the CFPB investigation process, I have heard nothing from this company by mail or any other communication until they started auto dialing my job on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Big Picture Loans, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX I took out a loan with XXXX, it was then written off. 
I then got a voicemail today, XX/XX/XXXX that someone was trying to give me documents and I need to make arrangements. I called the number back and they said they are going to sue me for two counts because of XXXX. 
The number they called from and which I called back is XXXX, they recorded my conversation without notifying me and never gave me the required legal message that they are attempting to collect a debt.

Company response to consumer: Closed with explanation