vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Frustrating working with XXXX XXXX XXXX 1. Error transferring {$250000.00} from savings account to CD account. 
2. Denial to transfer {$110000.00} from savings to CD if on deposit was made to CD account. 
3. Denial of password to be saved on my computer FORCING me to request a passcode. 
DO NOT always have access to mobile phone for texting DO Nota always have email since when I travel international accounts get blocked by web mail providers when suing public domain login 4, XXXX XXXX XXXX REFUSES to allow email or chat correspondence so you can not document written complaints. 
5. XXXX XXXX XXXX DOES NOT respond in writing to complaints over the phone. 
6. XXXX XXXX XXXX DENIES on internet me the right to move money from CD account online to savings, XXXX XXXX XXXX intra-bank limits prohibit transfers between internet accounts, prohibit written feedback on web problems, and NEVER communicate solutions just pass along complaints. 

Recommend GolDman SaCHS TERMINATE ALL RELATIONSHIPS WITH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
I'm in receipt of a Shellpoint trial mortgage modification agreement dated XX/XX/XXXX. 
I received this document by mail XX/XX/XXXX. The agreement doesn't provide the terms of the agreement, such as the mortgage payment excluding the escrows for property taxes, insurance, interest rate and number of years the mortgage is being modified. I called Shellpoint several times I spoke with XXXX XXXX, and XXXX XXXX, customer service they advised I wouldn't know the terms of the loan modification until I complete the three trial payments and they refused to transfer me to the loss mitigation dept. or transfer me to a Supervisor. There is also a pending property foreclosure sale for my property set for XX/XX/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 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My checking account was compromised by Wells Fargo. I began with a balance of XXXX. I drove to Wells Fargo e the with a friend because my mechanic charged me XXXX to fix my XXXX. As I gave the Teller my ID and Check she stated my account was XXXX XXXXXXXX. She said XXXX XXXX was paid and I never authorized Wells Fargo to steal my money. 
Then she said because my checking account Sat idle fees were assessed but these fees were a violation of my disclosure agreement. Because I made a written and verbal communication complaints. My checking account was closed with a negative balance. 
Therefore, because my Rights have been violated by Wells Fargo refusing to refund my monies that I didn't authorize I'm requesting punitive damages and investigation.

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 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: NC

Complaint narrative:
I contacted this company at the start of XX/XX/2018 for collections found on my credit. I sent validation and I'm return I received a lease and a list of hand written damages. The lease was typed and was for an XXXX XXXX, which is not me. I responded to the company with questions about maybe my social or my ID. Because every apartment I've rented has taken copies of both. But received not answer back. It also looks like the lease was tampered with and dates were written over. Very shady!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: NJ

Complaint narrative:
I borrowed XXXX dollars. Website said click here, funds in account next day. It said click to continue. I did. Then i called and asked about how many payments i must make. I was told XXXX for 5 payments. I said ok and clicked on button to agree. I made 5 payments and called them. They said i must make 20 payments all together and only XXXX dollars from the XXXX went to my principal. This is almost 100 percent interest which is illegal in new jersey

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 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
My sister was living with me at XXXX XXXX XXXX XXXX TN XXXX. She calle XXXX XXXX  to purchase cell phone for my nephews she gave them my address and they pulled up my name with this address. The service was supposed to be her her name. XXXX put this purchase in my name. I didn't realize this till six months later.I explained this was her bill she was responsible for it she told them this as well to no avail. I have been disputing this since XX/XX/XXXX on my credit report. I was removed form credit report in XX/XX/XXXX then it was placed back on there with XX/XX/XXXX as date account was opened. This is a fraudulent date. This is a fraudulent way to conduct business and this has plagued my credit since XX/XX/XXXX. XXXX XXXX XXXX   has this collection now the amount is {$1100.00} the account is XXXX. I would like this fraudulent purchase that I did not initiate and have been disputing since I found out about it Removed once and for all off my credit!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have written to you before about Paypal 's deliberate withholding funds generated by XXXX sales, claiming assurances to provide to buyers and securities if postal services fail. YOU HAD FAILED TO RESOLVE THE PREVIOUS PROBLEMS AND CLOSED THE CASE WITH A {$2500.00} FINE WHJICH PAYPAL HAD NEVER PAID!!!! 
Now they claim another reason of holding my funds eventhough buyer had received the purchased items, and the postal service succeeded to deliver the goods. 
THE NEGLIGENCE OF PREVIOUS FEDERAL EMPLOYEE DID NOT RESOLVE THE PREVIOUSLY STATED PROBLEM AND THIS COMPANY LOUGHING BEHIND AN INCOMPETENT, USELESS FEDERAL PROCESS!! 
Behind this second complaint, I am turning to my senators for assistance and scrutiny of the previous employee and this organization! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Late fees assessed erroneously. Full payment ( actually more than ) every 28 days ( 2 biweekly payments ) has been made consistently, yet I still am assessed fees. Late fees assessed due to changing window of when payments would be accepted. Late payments are assessed as a result of not removing previously discussed erroneous fees that were agreed to be removed through multiple phone discussions. 

This is a repeating issue. The issue requires constant babysitting of invoices from Wells Fargo and requiring a multitude of calls per year.

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 2018-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UBS BANK USA
State: CA

Complaint narrative:
This was my mother 's XXXX XXXX XXXX account where I'm listed as the beneficiary. She passed away inXX/XX/XXXX. I  contacted UBS many times ( three times just in the last two weeks ) and every time they told me that they received the paperwork and someone in charge of the account will contact me later that day or the next day. 
The failed to call me every single time. The last contact was on XX/XX/XXXX when a representative called XXXX said they'll call me the same day but they never did. 

I submitted my mother 's death certificate weeks ago and also a UBS statement showing that I'm the beneficiary but they keep passing me around reps and making me hold on the phone for long periods each time. I'm attaching these documents to the complaint. 

Prior to my mother 's passing I submitted a power of attorney and letters from her doctors explaining she was incapacitated ( she was XXXX years old suffering from XXXX XXXX XXXX and unable to XXXX XXXX XXXX ) and I needed to access her account to pay for her assisted living expenses but UBS played the same game and never gave me access. As you can imagine this caused a lot of problems for me, I have spent hours dealing with this corrupt institution. 

There are similar complaints for UBS with CFPB, some exactly the same as mine such as # XXXX. I believe this is standard practice for UBS and they should be held accountable for deceiving their clients and try to keep our money as long as possible regardless of the hardship this may cause us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: MO

Complaint narrative:
I had a medical debt that was transferred to Capital Accounts LLC, I  paid the account in full on XX/XX/2017 but it still shows on my credit report that a balance is owed. I have called 3 times and every time I call they tell me they will get my information sent over to the credit bureau. Each time that I call the representatives are very rude. I just want this removed from my credit like they assured me it would be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.

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 2018-03-22 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: DE

Complaint narrative:
Navient is my Student Loan Servicer. Every month during 2016, and possibly before, my payment owed was displayed on Navients webportal. The total was XXXX and some change. Each month I would pay that exact amount ( on time ) without a second thought. It wasnt until I saw my principal balance increase by several thousand that something was amiss. I called customer service and they shared that I should have been paying more due to my loan at some point being restructured. I tried explaining that the amount due that was displayed on the web portal was the XXXX, but they said its my responsibility to know how much Im really supposed to pay! ( ( (???? ) ) ) Because I wasnt paying the actual amount due ( which I still am unaware of to this day ), the remaining difference was placed back on my loan and interest compounded. 

This response makes absolutely no sense. If my payment changed, it should be reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Account XXXX from Cavalry Portfolio Services , LLC was added on XX/XX/2016 for {$740.00}. I have no contract with Cavalry Portfolio Services , LLC. I have never done business with this company. I am not liable with the debt from XXXX. I am not responible for the debt with Cavalry Portfolio Services , LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 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: GA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I sent Experian letters about two different accounts on my credit report. Requesting to verification of proof that I established. They never produced any original signed documents on XXXX nor XXXX XXXX These are unverified accounts. I do not own nether of the accounts

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 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I have lived at a rental property current name ( XXXX XXXX XXXX   ) with my ex girlfriend back in 2013 XX/XX/XXXX ( we both signed the lease ) for only a month in a 6 month lease term that soon after i found out my ex girlfriend stole my check books and Debit card and had to leave the rental apartment and involved polices and paid termination fee of one month rent by myself since she was a felon and i was not aware of. I filed lawsuit meanwhile against my ex girlfriend and she founded guilty because of identity theft and forgery. After few months passed i received a letter from XXXX XXXX XXXX XXXX   that i owe XXXX  $ approximately to the apartment i lived only a month though paid them one month advanced plus deposit. This has been affecting my credit and life in general since they keep harassing me because of that even though i explained them the situation and the money i paid for additional one month rent before leaving that place. I believe i am a victim of unfair credit report by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX I called Citibank to apply for a credit increase on a current credit card as well as apply for an additional credit card. Knowing that a credit inquiry would be generated, I verified with the representative that because I wanted to do both items at the same time, I wanted to ensure there would only be a single inquiry. The representative agreed. My credit increase was granted and I was transferred to another representative for the new credit card application. I again explained the situation to the representative because I wanted to ensure that only a single credit inquiry would be performed - and since one had just been done that the same one would be used. The representative agreed that there would not be an additional inquiry. My credit application was approved.

Later, while checking my credit reports, I can see that two credit inquiries were performed. One on XX/XX/XXXX, one onXX/XX/XXXX. I have verified this with XXXX.

I began calling Citibank and after speaking with many representatives and being told by each that this issue would be escalated to people who could resolve it, I received no resolution. I also called XXXX and was informed that only the company can resolve it.

After many more unsuccessful calls to Citibank, I was put in touch with XXXX XXXX in the Executive Response Unit. She eventually reviewed the calls and agreed that this should not have happened and that one of the inquiries would be removed from my credit report.

I received a letter dated XX/XX/XXXX from XXXX XXXX at Citibank indicating that the inquiry would be changed to a " non-display '' inquiry. This is not what we had discussed, even though the letter specifically indicates that it is, but I was willing to be flexible and patient to see if this was resolved. The letter advises to allow 30 days for resolution, which I was agreeable to.

After over 30 days of waiting, now getting closer to 60 days, my credit report still reflects the same two credit inquiries. I have verified this through XXXX XXXX ( XXXX ). I have been attempting to contact XXXX XXXX for two weeks now, leaving multiple messages, with no returned calls.

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 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I called XXXX  to apply for a credit increase on a current credit card as well as apply for an additional credit card. Knowing that a credit inquiry would be generated, I verified with the representative that because I wanted to do both items at the same time, I wanted to ensure there would only be a single inquiry. The representative agreed. My credit increase was granted and I was transferred to another representative for the new credit card application. I again explained the situation to the representative because I wanted to ensure that only a single credit inquiry would be performed - and since one had just been done that the same one would be used. The representative agreed that there would not be an additional inquiry. My credit application was approved.

Later, while checking my credit reports, I can see that two credit inquiries were performed. One on XX/XX/XXXX, one on XX/XX/XXXX. I have verified this with Equifax.

I began calling XXXX  and after speaking with many representatives and being told by each that this issue would be escalated to people who could resolve it, I received no resolution. I also called Equifax and was informed that only the company can resolve it.

After many more unsuccessful calls to XXXX, I was put in touch with XXXX XXXX  in the Executive Response Unit. She eventually reviewed the calls and agreed that this should not have happened and that one of the inquiries would be removed from my credit report.

I received a letter dated XX/XX/XXXX from XXXX XXXX  at XXXX indicating that the inquiry would be changed to a " non-display '' inquiry. This is not what we had discussed, even though the letter specifically indicates that it is, but I was willing to be flexible and patient to see if this was resolved. The letter advises to allow 30 days for resolution, which I was agreeable to.

After over 30 days of waiting, now getting closer to 60 days, my credit report still reflects the same two credit inquiries. I have verified this through XXXX XXXX ( Equifax ). I have been attempting to contact XXXX XXXX for two weeks now, leaving multiple messages, with no returned calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I was first notified that a negative collections had been added to my credit report in XX/XX/2018 for {$150.00}. This debt was from Medical Data Systems, a secondary debt collector who purchased my original debt from XXXX Hospital. I never received a bill in the mail from this company or a phone call from them to notify me that they had my debt. The first time I was informed they were trying to collect a debt from me was after they added a collection to my credit report, substantially damaging my credit report. I contacted them to pay the debt and asked them why I had not been notified before they placed this on my credit report. They informed me they had been sent a bill to an old address that I no longer live at. I asked if they could please remove the collection from my report since they had sent my bill to an incorrect address and I had paid the bill immediately once notified. The associate, XXXX, transferred me to the manager, XXXX, who told me she would not remove the collections. Her tone became extremely condescending and she told me it was my own fault for not paying my co-pay in person at the time of going to the ER ( at the time I was admitted to the emergency room, I was in excruitiating pain and never had been asked to make a copay in person ). It was extremely unprofessional and an invasion of privacy that she used details about my experience at the ER to try to belittle me, after I asked what I believed to be a simple request given their clerical errors and the fact that I never received a bill or contact from them prior to them tarnishing my credit with the collection they reported.

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 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: OR

Complaint narrative:
I got multiple calls from company named " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX regarding a medical bill payment scam. They are trying to scam me for paying a medical bill i do not owe. I don't know how they got access to my medical record and believe they have stolen the medical records. They say to have sent the medical bill but i have not received it on my mail. They called me from XXXX.

Company response to consumer: Closed with explanation