vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX has been trying to collect a debt from XXXX and I keep sending letters for them to validate the debt and they wont send the original contract with my signature. It is not my debt and I am filing a complaint for insufficient validation.This took place on XX/XX/2018 in the amount of {$2000.00}.

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 2018-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX my husband and I entered into a WI 128 amortization of debts. On XX/XX/XXXX a court order was entered stating that all debts are paid in full and satisfied. The creditor is continuing to report unpaid balances to the credit bureau which I assume is attributed to poor record keeping or illegally continuing to charge interest as the 128 plan prevented any more interest from accruing. I have disputed this through the credit bureaus 3 times and the creditor refuses to remove balances owed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was told I was putting {$200.00} as a down payment for a puppy to be shipped from XXXX XXXX. Upon asking for tracking information and flight information, the seller would not answer any of my communications. I politely asked him to send a refund through PayPal where the payment was transferred. He would not reply. 

You sent {$200.00} USD to XXXX XXXX Transaction Details Transaction ID : XXXX XX/XX/2018 SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX The person spoke with my husband and his name is XXXX. The email states XXXX. He told me last night the puppy was checked and in good health and this morning when I asked what was taking so long for flight info, he said he had to take it to the vet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX is charging me for {$5900.00} for a XXXX phone i never had. Someone stole my personal info and use it in XXXX Tx. Ive never been to Texas, dont know anyone from there and NEVER had a XXXX phone in my life. I summitted to them my proof of residence in the state of Florida for the past 31yrs of my life but the charge is still showing on my credit report. I need that removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I contacted XXXX XXXXXXXX XXXX seeking their help in credit repair on XX/XX/2018. They ask me to pay upfront {$14.00} Work fee and {$120.00} per month for the Premier plus Plan. ( XXXX XXXX offers three levels of service depending on your credit needs for {$89.00}, {$100.00}, or {$120.00} each month after services are delivered. ) *This is straight from their website. Please pay attention to the part where it says " After Services are delivered '' The {$120.00} Premier Plus plan includes the following : Bureau Challenges, Creditor Interventions, Inquiry Assist, Score Analysis, Report Watch, XXXX Alerts, Cease and Desist Letters, Fico Tracker, Identity Protection and Personal Finance Tools. 

Please understand that XXXX XXXX charged me {$14.00} for Work fee on XX/XX/2018 and {$120.00} for the premier plus plan on XX/XX/2018 for the month of XXXX. By Charging me {$120.00} dollars for XXXX for services not yet rendered XXXXXXXX XXXX violated the Credit Repair Act. They disguised this payment as account set up but thats not what they say this {$120.00} can do for their clients. Again this plan says that The {$120.00} Premier Plus plan includes the following : Bureau Challenges, Creditor Interventions, Inquiry Assist, Score Analysis, Report Watch, XXXX Alerts, Cease and Desist Letters, Fico Tracker, Identity Protection and Personal Finance Tools. 

XXXX XXXX violated my rights under the Credit Repair Act. This Act, Title IV of the Consumer Credit Protection Act, prohibits untrue or misleading representations and requires certain affirmative disclosures in the offering or sale of " credit repair '' services. The Act bars companies offering credit repair services from demanding advance payment, requires that credit repair contracts be in writing, and gives consumers certain contract cancellation rights. After 5 days of signing up and paying {$14.00} XXXX XXXX charged me {$120.00} for their premier plan for services not yet rendered. 

A whole month passed and nothing was done on my credit the negative accounts still remained on my credit file. I called XXXX XXXX XXXX on XX/XX/2018 this was 3 days before XX/XX/2018 the day when another {$120.00} for the premier plan was due. XXXX XXXX advertises free cancellation at any time. However to my surprise XXXX XXXX charged me {$100.00} to cancel my account. I explained to them that such practice was misleading and deceptive to their clients because such charges including the ones mentioned on their plan should have a better description on what they are for and also to inform clients that upon cancelation they will have to pay a bill. 

I paid in total {$240.00} to XXXX XXXX I am demanding my money back for violations of my rights and misleading me into paying a cancellation fee which they do not advertised on their website or inform me in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
On XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. On XX/XX/XXXX an order was entered by the court that all debts included in this payment plan are satisfied in full. This company has two accounts opened. One in my name and one in my husbands name. Additionally, the account in my name is also serviced by XXXX XXXX Firm in XXXX, Wi and they show it as a outstanding judgement on my court record. I have spoken with Midland as the balances owed are very low so I was just going to pay the extra over what I was ordered to pay. Midland refuses to take money directly from me because of the trustee who was placed on the account for the 128 plan. Since the plan is satisfied the trustee is no longer in this equation. Both debts to this agency/attorney have been satisfied in full but they are not being reported in such a manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04 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: FL

Complaint narrative:
XXXX XXXX XXXX ran a credit check without my permission. On XX/XX/18 a sales rep named " XXXX '' approached me and offered me cable and internet through XXXX XXXX XXXX. I told him that I was interested as long as they were not going to check my credit. He assured me that they only needed my social security number to make sure that I didn't owe XXXX XXXX XXXX any money. I gave him my information and scbeduled an installation date. The next day I received an alert by email telling me that XXXX XXXX XXXX ran a hard inquire on my credit. I tried contacting XXXX XXXX XXXX and even Equifax, but no one wants to help me. I would like the inquire removed and to have my points back. I would also like you to know how they do their business. They go door to door offering cable and internet and give false information such as promising no credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Mr. Cooper mortgage servicer sent XXXX county tax to wrong address for thousands of customers! 

My property taxes are supposed to be paid from my escrow account with my loan servicer, Mr Cooper. When I logged in to XXXX county treasurer to make sure taxes where paid, it said they were not. I called Mr Cooper and automated service said the correct amount was dispersed from my escrow account weeks ago. 

However, when I spoke to a representative, she admitted that the payments for thousands of XXXX county residents had been sent to the wrong address and they are working to correct it. When asked about who will cover the accruing interest and fees, she said they would. However, I can easily see them trying to take it out of people 's escrow accounts instead of covering it themselves. Someone screwed up really bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Money and dates on online banking didn't seem right. Looked like money missing. I'm going to have to go through it myself to check. Fraud department helped a lot in beginning then when low or out of funds the customer service level dropped and stopped properly filing claims. Filed a claim around XXXX XXXX that didn't show up a few days later. Disputed XXXXXXXX XXXX XXXX and another. I need to obtain a printout of all months. Was receiving a balance alert of {$0.00} for a month and called to file a claim and was told account was closed even though it was at XXXX for a long time still receiving emails. I filed the claim for around {$400.00}. I received 4 letters in the mail XX/XX/18 one stating I would be awarded XXXX then one saying I passed a time limit to file a claim and denied all {$400.00}. I spoke with the fraud department and they refused to send in writing this time limit. I don't believe them and having a time limit makes no sense. I explained I paid the wrong company so they were fraudulent charges but still didn't change their mind. Refused to give employee ID numbers.

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 2018-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. On XX/XX/XXXX a notice from the court was sent out that all debts in this plan were satisfied and are no longer collectible. This account is still showing up as an active judgement on my court record and a bad debt on my credit report even though it is paid in full. I have attempted to contact XXXX, XXXX, XXXX, XXXX , XXXX XXXX, XXXX in XXXX, WI as they are the lawyers who entered the judgement against me. However, I have only gotten a voicemail. I did leave a message in regards to my account but never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My problems specifically is for the credit card company Capital One to charge a membership fee to the available credit line and not, charge it separately as a separate fee they offered a credit line of {$400.00} but they deducted the {$39.00} membership fee from the credit line and not charging it separately also no Reward Points were given this should be considered the first charge. There is no no difference what they are doing versus what XXXX XXXX did! 
I spoken with the customer service manager message XXXX operator number XXXX she said there was no one else I can speak to and she would forward my concerns but it's not guaranteed that I would hear back from someone! This incident occurred on XX/XX/2018. 
Once again I have no problem with the membership fee but I do have a problem how they interjected into the available credit line without stating is the first time use of the card and also giving points for first use! 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/2018 at XXXX XXXX, I received a voicemail from a woman identifying herself as " XXXX '' from Quicken Loans, my mortgage lender. In her message she specifically identified herself as a " debt collector '' and said that she was attempting to collect on a debt and that any information I provided would be used to that end. She then advised me to call XXXX and choose option 3 to speak to a member of her team about this matter. At first I thought I was being phished, as Quicken Loans sent me an email just this week informing me that my mortgage payment for this month cleared on XX/XX/2018. However, when I retrieved my mortgage statement to contact the company directly, I noticed that the customer service number on the statement matched the one that was left on the voicemail. I called Quicken Loans this morning, XX/XX/2018 at approximately XXXX XXXX to clarify what this was about. I spoke with a representative named XXXX XXXX who informed me that although her records showed one of their staff had indeed called me yesterday, her records indicated that the purpose of the call was to get me to " provide feedback '' on my Quicken Loans experience which, up until now, had been extremely positive. She confirmed that my account is current and that there is nothing in her records indicating that I have ever missed or been late with a payment. I told XXXX that I did not approve of these deceptive practices regarding my finances and that I wanted to file a complaint. She asked if I wanted to have their researchers investigate the matter and I said yes, but said that unless they had recorded the original encounter then they would be wasting their time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
After numerous attempts to get the proof that Eastern and their client are relying on to prove up their claim I owe them money, all I get is that their clients unsigned invoice is validation of the debt and their say so is proof they noticed me properly. In what part of the Consumer Protection Laws does it state that " saying so '' makes it so? I demand proof of their claims. I never got noticed as required by law. I never agreed or obligated to pay any such charges they are billing to me. According to their invoice they did some thing on three different days, that seems more than ample opportunity to have gotten some type of signature on a contract to pay. But, it still does not prove I was sent proper notice, which leaves the issue of an illegal collection posting to my credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My ex husband cashed a home owners insurance refund after the sale of our marital residence. The check was made out to my ex husband and to myself. He was allowed to sign and cash the check without my authorization. I have obtained a copy of the cashed check from my homeowners insurance and I want the banking institution to look into why he was allowed to cash this check without my signature. I am attaching a copy of the cashed check and I believe it was cashed at Bank of America ( please see bank # 1XXXX ) This is an alarming situation and a situation where funds were stolen from me, by my ex husband. I have email correspondence with my ex husband where he told me my name wasn't on this check. The financial institution that cash this for him should be looked into and the person responsible should receive disciplinary action up to including termination.

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 2018-08-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit bureau is in direct violation of GRAMM- LEACH BLILEY ACT, 49 CFR 801.56, FCRA, FDCPA and numerous consumer protection laws.

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 2018-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Ditech reversed payments of 7 years of principal and added it back later as interest. Has miss posted payments and not posted some payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi is not properly handling disputes. I called in and disputed a charge with XXXX. I told Citi that my authorized user did rent a car. That said, I received a second charge from XXXX claiming that my authorized user received a ticket while they had a car. They did not revieve a ticket though and did not receive a follow-up from from the Italian government. Essentially, the charge is bogus. I disputed the charge with some third-world employee at Citi and they said it would be taken care of. I call Citi to get an update and they tell me that they denied my claim because they need proof that I cancelled the service. What? What service? Apparently whatever third world employee took the claim put that I cancelled the car and that was why I was disputing it, which is not true. I clearly told them that this was an ad-on charge for a ticket that never happened. The rep I was speaking with told me the charge would go back on my card anyway and that I would have to make minimum payments until they update the dispute and correct it, which could take business weeks. I said that this was horrible customer service and that I wanted my account closed and would be filing a CFPB complaint. SHE TOLD ME IF I DID THAT THEY WOULD STRIP ME OF ALL XXXX AA POINTS I EARNED WITH THIS CARD. Then once I accused her of retaliation she told me that 8-10 weeks was 18 months. What? So there are two problems here : 1 ) they improperly handled my dispute and refused to correct it in a timely manner and in a way that did not harm me and 2 ) The rep retaliated against me for trying to close my account and filing a CFPB complaint.

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 2018-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Frago Dealer Services ( WDS ) Cashed for posted dated checks before the dates indicated on the checks causing overdraft fees. 

I requested to speak to management and the representative " XXXX '' indicated he speaks on behalf of the President but was unable to make any decision. An would not forward my call or concerns to management. 

This careless effort on the part of this company is unprofessional and needs to be exposed to the consumer on their illegal practices.

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 2018-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
A consumer service representative ( CSR ) provided misleading or incorrect information that caused my account to be overdrawing. The information provided by the CSR caused checked to be cashed that caused my account to be overdrawing. This act is and has the potential to effect my government security clearance and potential of losing my job.

USAA has not been helpful and there ( CSR ) caused the problem.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I had an impending fairly large purchase so on XX/XX/XXXX I went online to Chase Visa and made a payment of {$5700.00}. ( Attachment A ) That payment was drawn from my bank on XX/XX/XXXX ( attachment B ) I actually did not get credit from Chase until XX/XX/XXXX and a charge of over {$3000.00} was declined by XXXX on XX/XX/XXXX ( because my account was not credited with the payment ) ( attachment C ) I was quite upset as I had been on a waiting list for over 5 weeks for the declined charge and by declining it Chase put me back on another waiting list. I contacted Chase and was told that they had not drafted the money but put a hold on it until XX/XX/XXXX. Obviously this is not true per attachment B. The day after I called Chase credited the account I have also included a copy of my Visa statement from chase

Company response to consumer: Closed with explanation