vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I called into the PNC call center about a 2 overdraft fees. I was sent to the escalation department. The case worker there was rude and unhelpful. I ask to speak to a supervisor. She rudely said to me " that the overdraft fee would not be refunded regardless of who I spoke to ''. I was told that if I had a problem with that I could send a letter to corporate. Today, X/XX/17 I called the corporate line I found online. A male consultant then told me that if I wanted to go ahead and use my card, I could opt into overdraft protection ( which would just charge me more in over draft fees. ) I have been treated aggressively and the customer service reps refused me the opportunity of speaking to a supervisor. I feel the refund was due because of a bank error. I had an overnight direct deposit come in. The bank processed the deposits after allowing my account to over draw. I feel the bank allowed this to happen to exploit the circumstances and make money off my account. I am not asking for ALL 6 of the overdrafts ( at {$36.00} each for a total of {$210.00} ) they have charged me this month. Just the 2 that went through last night.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: KS

Complaint narrative:
I started the process to sell the home in XX/XX/XXXX, a divorce from my husband occurred XX/XX/XXXX and the house was put on the market immediately. After 6 months it would not sell so I moved out and bought another home and my ex-husband moved in. The court ordered him to pay the first mortgage ( XXXX ) and I was to pay the second ( Nationstar, now XXXX XXXX ). In XX/XX/XXXX my ex-husband left the state and stopped paying the first mortgage. The house was put on the market and finally had a buyer XX/XX/XXXX. The buyer came up to XXXX  and is buying the house well above market value for the neighborhood. XXXX  offered XXXX XXXX XXXX and I offered them another XXXX ( I am currently unemployed ) but XXXX XXXX wants XXXX per their private investors. My credit has been destroyed by this situation so I am unable to get a loan for that amount. These banks are not working together but created a situation where my credit is completely ruined. I should say that I paid 6 % interest ( XXXX ) ( 4 % Nationstar ) for over 10 yrs and never missed a payment so they made their money off of me. I only stopped paying Nationstar when I lost my job ( over taking a second job to pay these bills, second job also ended ). So now the house is going to foreclosure instead of a short sale. I had been paying XXXX a month in utilities and other home expenses because I was told it would not go to foreclosure and that a short sale would be possible. I spent over 30K in getting the house in shape to even get a short sale at the best possible value.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORTWHICH I HAVEN T DONE IN YEARS I HAD FOUR IN COLLECTIONS THESE ARE NOT MY ACCOUNTS I SENT DISPUTE LETTERS TO ALL FOUR TWO OF THE HONORED MY REQUEST TO DELETE FROM MY CREDIT FILE HOWEVER LVNV FUNDING AND XXXX XXXX ARE GIVING ME A HARD TIMELVNV REMOVED IT ONE WEEK AND PUT IT BACK THE NEXT SAYING THEY DIDNT HAVE ENOUGH PROOF IT WAS FRAUDULENTLY OPENED I HAVE NO KNOWLEDGE OF THESE ACCOUNTS THEREFORE THEY WERE FRAUDULENTLY OPENED I HAVE BEEN TRYING TO REBUILD AND REPAIR MY CREDIT SINCE FINDING THIS OUT LVNV IS XXXX OTIGINAL CREDITOR XXXX XXXX XXXX XXXX  ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX ACCOUNT XXXX DATE OPENEDXX/XX/XXXX ORIGINAL CREDITOR AMOUNT WAS XXXX HIGH BALANCE XXXX XXXX XXXX PHONE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ACCT XXXX ORIGINAL CREDITOR XXXX AMOUNT XXXX OPENEDXX/XX/XXXX I AM A XXXX XXXX XXXX VETERAN I HAVE NO RESON TO LIE THIS IS SO UNFAIR MOST CREDITORS WERE SO KIND AND HELPUL EXCEPT THESE TWO WHICH I VE READ ALOT OF REVIEWS NONE GOOD CAN YOU PLESE HELP WITH BOTH ACCOUNTS THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: WI

Complaint narrative:
My attorneys helped me prepare this complaint. 

I am an elderly woman who uses Direct Express for my Social Security direct deposits and have a debit card with them. I wanted to dispute certain transactions that I believed were fraudulent due to someone stealing my debit card. I hired attorneys to assist me with disputing fraudulent charges made on my card. Direct Express refused to talk to my attorney and myself at the same time, while we were both on conference call. Direct Express also refused to talk to me when I placed the call on speaker phone, because my attorney was present in the room. Direct Express forced me to dispute the transactions by myself. I was finally able to do so, but it was a difficult process. During the call in which I successfully disputed the transactions, my attorney was present in the room, communicating with me about what to say to the Direct Express representative, what to ask for, etc., by writing the questions down on notebook paper and holding them up to me. 

My attorneys have told me that they frequently run into this problem with Direct Express on behalf of elderly clients. Forcing elderly individuals to communicate about financial matters and make important financial decisions, without any legal representation, is an unconscionable practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: MT

Complaint narrative:
Lending Club repeatly has denied my applications for debt consolidation loans over the past 4 years, and yet they keep sending me invitations to apply, with a pre-approved amount of up to {$35000.00} or {$40000.00}. 

Despite the facts that I have an excellent repayment history and a good credit score, they continually deny my applications due to debt-to-income ratio and excessive debt.
Is n't that why they sent me the invitation in the first place, so I could consolidate those debts?!?!?!?!?!?
They know darn well what my credit score and income are.
This deceptive practice must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: GA

Complaint narrative:
The lender has failed to postpone the sale date on this file during the review taking place for a loan modification - We were advised the decision will be made on XX/XX/XXXX - this is considered Dual tracking and is a violation of Reg X guidelines - the lender is also not allowing for an appeal period after the decision is made, which is another violation of Reg X. We also have been given incorrect information regarding the file and being serviced transferred as of XX/XX/XXXX which is the current Foreclosure sale date on the property. This review has been on going since the beginning of XX/XX/XXXX with no decision being made - 2 other complaints have been entered regarding this client 's file due to the poor review of this loan and the numerous requests for additional docs that have been satisfied through letter of explanation being submitted regarding the requested information. The reps we speak with also provide incorrect information pertaining to the review and handling of the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am disputing this debt with Medical Data Systems Inc. 
Account # XXXX {$340.00} Account # XXXX {$1800.00} Account # XXXX {$470.00} Account # XXXX {$270.00} Account # XXXX {$230.00} I have contacted Medical Data Systems and they were unable to verify this account as mine. They have failed to properly validate this debt. I originally disputed this debt about 60 days ago which is more than the outlined period time in the FDCPA. The collection agency Medical data systems has sent me an invoice from the original creditor XXXX XXXX Hospital which is a violation of HIPPA laws and did not protect my privacy and medical record from a third parties. I did not recall giving XXXX Hospital permission to release my medical information to a third party. they have sent an invoice but no documentation as a written contract or anything bearing my signature. I am disputing this debt and absent of such proof they must terminate this collection action and correct any erroneous reports of this debt as mine. The continued silence is unacceptable and they need to provide the proof or correct the record to remove the invalid debt from my credit files with the 3 primary credit reporting agencies.

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 2017-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I was contacted several times by XXXX XXXX XXXX about a credit card debt. They repeatedly called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not provide them with my current telephone number and do n't know how they retrieved it. They are harassing me to take me to court or other legal action if I do not pay them. The balance they are claiming I owe is {$930.00} for a Amazon credit card. The initial credit amount was {$600.00} and they are charging me extra. I called and spoke with someone on Monday XX/XX/XXXX. I tried to setup a payment arrangement for the {$600.00} but they would not remove the extra charges. I was only given an option to pay the balance in 2 payments and nothing else or I would be sued. They also sent a letter to an address I did n't provide them with. It is not even someone I 'm related to where they sent the letter.

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 2017-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo sat in front of my uncle and I and promassed him every thing was taken care of pain his XXXX. Was not true all paper work was not taken care of. I lost everything. XXXX XXXX, XXXX XXXX to present XXXX XXXX. XXXX. XXXX XXXX is my name 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 2017-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
I opened an account with Coinbase Inc in XXXX 2018. Since then i have been investing in Bitcoin. Now, 4 months later Coinbase Inc has put a freeze on my account stating that I must verify my identity. AGAIN. I did this at the time of account opening. I have tried at least 20 times, followed Coinbase instructions, contacted customer support ( only way is email ). 

Coinbase Inc 's actions of putting a freeze on my account is unjustified, illegal and is costing me a lot of money. This is not what they advertise. I must be able to buy and sell bitcoin as I choose, when I choose, as they coinbase boasts. The freeze on my account must be removed. Coinbase Inc 's Identity verification software/app does not work. The customer should not be punished. I am who I say I am and have provided the documents to prove it. For Coinbase to take my money, then freeze it, and state that it is my duty to fix it is preposterous. And customer support at Ccoinbase is unacceptable by any standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have XXXX hard inquiries for XX/XX/XXXXon my Equifax credit report. Only XXXX of them belong to me : 1. XXXX 's XXXX ( XX/XX/XXXX ) and 2. XXXX XXXX ( XX/XX/XXXX ). 

For the other XXXX inquiries I did NOT sign a credit application or otherwise complete any authorization to review my credit. The Equifax rep in XXXX (??? ) said I must contact each company and resolve this on my own. My lawyer said the Equifax fraud department, who I asked to speak with, should handle this since they are responsible for confirming everything they put on my credit report. 

Can you please help me get this straightened out? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XXXX XXXX 2017 I contacted Citizens bank and waited on the phone over 30 minutes to attempt to resolve this issue with them directly. I have gone out of town and there was an auto payment on my account that over drafted my account. The payment was in the amount of {$160.00} and Citizens bank charged me an excessive amount of {$160.00} in fees for this amount. I have never heard of any bank charging this. I have numerous accounts with this company and I now feel very concerned to be leaving my money in this account. When I spoke with a supervisor she refused to do anything but waive {$30.00} of the fees. I asked to speak to someone above her and she told me no one is above her. I asked her if the she owns the company? She said she does not but I am not allowed to speak to anyone else. I demanded to speak to someone else as I did not feel comfortable with her. She told me that I can write a letter about it to XXXX XXXX XXXX XXXX rhoad island XXXX. I asked her what her full name or badge ID was in which again she refused to give me. All I know is that her name is XXXX and she is a manager in account support department. I should be able to speak to someone professional about my account and not treated this way when I have all of my checking and savings numerous accounts with this company. I never wanted this account to begin with I was constantly pressured any time I would go to the bank to make a personal account there because they wanted to meet there quota for the month. I have even gone in to try to cancel the account because they charge a monthly service fee and they wo n't allow me to and try to talk me out of it and say just set up one deposit into there every month to eliminate this fee. There are many other banks in this area that will not charge these fees and I would rather use them. In addition to this I told XXXX I do not want to be charged excessive fees I want to close the account. She refused to close the account. She told me she will not close it I have a balance. I told her to take it out of my other account and close all of them I do n't want their services in which she still refused to do so. I do not feel my money is safe with this company and I feel they are predatory bankers based on my experiences with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This debt should have been handled several years ago and I am still receiving threading calls to garnish wages and had the police show up at my house. I have now been forced to pay on a collection {$300.00} per month. They are saying that I owe a total of {$47000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 've disputed this account before, and still have not seen proof that this account is mine per FCRA section XXXX. It 's just being verified verbally without supporting evidence that it 's mine. XXXX is the old complaint, I know for a fact that account is not mine, show me my signature that it is. Still waiting for a fair shake from these people. Maybe my next step after this should be the FTC, or the attorney General.

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 2017-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
The company calls repeatedly day after day and threatens legal action if caller does n't call back by certain time. I share the same last name as the person they 're trying to contact but the first name is different. They use threatening tones and stress the importance of calling them back or they say will be progressing it further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am trying to recover the rest of my money that has been transferred and embezzled out of my Wells Fargo business account. The embezzler was paying off a fraudulent credit card by using said account, completely unauthorized to do so. This has been an ongoing battle for around 2 years with no satisfaction and am only ever told it is under review. My business account has been previously closed XXXX times due to fraud performed internally. Now, this time, it has been by my previous employee. 
I have made numerous attempts on many occasions to be reimbursed. It is obvious, by all records concerned XXXX even including an admittance letter of fraud from Wells Fargo XXXX that this was embezzlement and has put me in financial hardships, caused immense mental anguish, as well as almost put me out of business. I have tried to speak with someone from Wells Fargo on countless occasions to resolve this issue to no avail and have even employed a lawyer to send a demand letter requesting reimbursement. I do not want to go to the expense of filing a law suit unless it is absolutely necessary. 
Any and all help would be greatly appreciated. 

Payment of {$1200.00} on XXXX XXXX, XXXX. 
Payment of {$1700.00} on XXXX XXXX, XXXX. 
Payment of {$1600.00} on XXXX XXXX, XXXX. 
Payment of {$750.00} on XXXX XXXX, XXXX. 
Payment of {$950.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1900.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$3200.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$2100.00} on XXXX XXXX, XXXX. 
Payment of {$2000.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1800.00} on XXXX XXXX, XXXX. 
Payment of {$2500.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$2800.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1500.00} on XXXX XXXX, XXXX. 
Payment of {$1300.00} on 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 2017-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
The lender has refused to postpone sale while actively reviewing this file for loss mitigation options which is a violation of Reg X/RESPA guidelines and Dual Tracking. the lender is also not allowing for an appeal period after the decision is made regarding the review - if denied.

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 2017-08-30 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
Upon trying to secure a loan for a large ticket item, I learned that Equifax XXXX XXXX XXXX, was reporting incorrect information about my credit profile. I called Equifax numerous times to correct the errors and was told by many representatives that my file had been " XXXX ''. Apparently this happens so often that they have their own department to handle " XXXX '' files. On XXXX XXXX, XXXX, I filed a dispute with Equifax for all of the errors in my report to which they claim to have " verified '' all the erroneous accounts as being mine. In addition to this they did not complete their investigation until XXXX XXXX, XXXX, 31 days after I filed my dispute. On XXXX XXXX, XXXX, I contacted Equifax and requested their " Method of Verification '' that is statutorily required. They not only did not know what I was talking about, after several transfers to mangers and supervisors, they flat out refused to provide the documentation, as required under federal statue, to me.

Company response to consumer: Closed with explanation