vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
On XX/XX/2018, I received a call from Hunter Warfield Inc.. I have been attempting to settle this debt with them for almost 2 years now. I have offered a payment plan that I could afford, and they refused to accept that amount. Although it was minimal, it was a payment that would have caught me almost half way up by now, but instead, none of it has been paid. After they called me and I told them what I could pay, they still would not accept it. Even though the amount that they wanted me to pay was way more than I can afford at this time, I decided to call back on my way home from work to go ahead and make the payment arrangement to pay their " acceptable '' price. I recently started working a weekend job along with my full-time position, and was hoping this would cover the " acceptable '' price. So, when I called them back, I got a new representative named XXXX XXXX, who said his job title was " Pre Legal Auditor ''. XXXX belittled me on the phone saying things such as : " Why haven't you and your husband pulled together your funds for the last 2 years to pay this, '' " What would make you think THAT is an acceptable payment?, '' " What have you been doing for the last two years that you still can't make more of a payment? '' I asked XXXX to please stop making it personal, but he continued saying the same things over and over again, claiming that I was wasting his time. It took me asking 3 times before he even told me a settlement amount, which was {$4000.00} out of the {$5000.00} that we owe. He said that he would not tell me the amount because I had stated that I couldn't pay it at this time, so it was pointless to give me an amount because I would not be able to save up for this, as they were planning to take legal action before I'm able to save up. After I was belittled on the phone for about 10 minutes, I asked to speak to his supervisor, who was even worse. 

He said the same things to me that XXXX did, and even at the end of my conversation with him, I said " I am more than willing to pay the debt, so I will do my best to get it to you all as soon as possible. He YELLED at me and said " You don't have time to think about this, you only have until Friday before we take legal action. '' Both XXXX and his supervisor talked about how " their client '' wasn't interested in my minimal payment, yet the account was sold almost an entire year ago, so they shouldn't have even brought the old creditor in to the equation at alll, but they certainly did. 

All of the above is true, and Hunter Warfield would have this on their recorded line, as that was what I was told every time I talked to a new person.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 sister transferred {$100.00} to checking account. On XX/XX/2018 {$100.00} transfer deposit was pending and {$110.00} funds were now available. I went to branch on XX/XX/2018 where teller checked account balance showed {$110.00} funds were now available. I withdrew {$100.00} from checking account. Wells Fargo Bank delayed deposit of {$100.00} until XX/XX/2018. Wells Fargo Bank charged account {$35.00} service charge on XX/XX/2018. I requested {$35.00} service charge be reversed. Wells Fargo Bank refused to reverse {$35.00} service charge

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 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
I filed two disputes with XXXX. Informed XXXX that accounts do not belong to me, they were originally opened when i was not of legal age and I could not have a phone in my name at that time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
someone called Capitol One and changed my address and ordered new cards 4 times this month and every time Capitol One has sent the cards. I have had to spend over 10 hours on the phone correcting this each time. There is supposed to be alerts on my card that nobody is to make any changes to my account without Capitol One sending a 6 digit text to my phone for confirmation. they have never sent this and as recent as this week have sent cards again and changed my address.

My cards have already been used for fraudulent cash advances and they even had the nerve to charge me 16 twice to have the cards sent fast card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-26 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: Conn's, Inc.
State: SC

Complaint narrative:
In short, this company is in violation of the law. They are reporting inaccurate late payments on my credit report from 2017. I was not late and have showed this company proof of my payments yet they still refuse to remove the late payments. Also, according to the law while an account is in dispute I, the consumer should not make any payments to the company and the company can not report my account to the credit bureaus while the account is in dispute. Once again Conns has acted as they are above the law and violated my rights as a consumer. ( Please see attached for more detail on the situation )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2018, I received my new Sears Mastercard, number XXXX, in the mail and disputed a charge for {$2200.00}, made at a Sears store in XXXX, California on XX/XX/2018. The dispute was made via telephone. I never received a confirmation of the dispute, so I filed a duplicate dispute on-line the following day. The basis for the dispute was that Sears delivered a non-functional/defective electronically adjustable ergonomic bed-set. The bed-set was purchased to address my physical XXXX. 

Sears Mastercard responded to the dispute with a letter dated XX/XX/2018 ( attached ) requesting additional information. Specifically, The date and method of return, a copy of the return receipt or credit voucher, an explanation and a copy of the merchants refund policy. I replied with my letter dated XX/XX/2018 ( attached ) and I included copies of the receipt/contract which detailed the return policy, salescheck number XXXX, attached. I also included the transaction print-out, salescheck number XXXX, which XXXX ( a store manager ) gave me on XX/XX/2018, when I attempted to return the merchandise to the store in person. That day, XXXX refused the return and instead referred me to the Sears National Customer Relations line XXXX. I subsequently telephoned the line and told XXXX I wanted to immediately return the defective bed-set. She gave me case number XXXX and told me someone would contact me. To date, no one has contacted me. Two other people witnessed my attempts to return the merchandise. 

Sears Mastercard investigated the dispute and reversed the charge, see letter dated XX/XX/2018, attached. Then suddenly and without providing any additional evidence, Sears Mastercard arbitrarily overturned their decision in their letter dated XX/XX/2018, attached. The reason for reinstating the charge was, you did not provide proof that you returned the merchandise to the merchant. Indeed, considering the evidence the only reasonable conclusion is Sears Mastercard did not evaluate the dispute in good faith as required by law and reversed their decision because of their financial symbiotic relationship with Sears. I am therefore, requesting the Consumer Financial Protection Bureau to intervene on my behalf.

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 2018-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX we initiated 3 separate wire transfers to an account at Suntrust bank in the amounts of {$12000.00} {$16000.00} and {$20000.00}. The wire transfers listed XXXX XXXX XXXX as the beneficiary ( XXXX offices only exist in 2 states and Suntrust does not have branches in either one ) and the listed beneficiary did not match the account holders name. The money was intended to be for closing costs on a real estate transaction. One transfer completed on the XXXX and the other two completed on the morning of the XXXX. On the XXXX when we realized this was part of a wire fraud scheme our local sheriff department immediately reached out to the known contact he had at Suntrust ( he had the exact same situation occur a few weeks prior ). He was told at that time that all of the money was still in the account and a freeze was placed on the account. On Monday the XXXX we met with him and he called to verify that funds were still in the account but over the weekend they released almost XXXX of the XXXX that was sent. 

I called independently to ask what their policy was when a wire transfer was received that had a beneficiary that did not match the account holder and was informed their policy was to reject the transfer ( standard banking practice ). This clearly did not occur for the 3 separate transfers and all 3 were accepted. It is also worth mentioning that the account was newly established and with only {$100.00}. 

This event stems from someone emailing and pretending to be our closing agent. They actually provided me two separate Suntrust account numbers during the whole ordeal. I have since emailed that person and was provided with a third Suntrust account number. Including the first victim that is four total Suntrust account numbers. Clearly Suntrust has an issue and do not follow their own protocols that would protect themselves and their customers from being victims of these schemes. 

We have been told since XX/XX/XXXX that we would be receiving just under {$29000.00} back and that a check had been issued and would arrive by XX/XX/XXXX. The check has not been received.

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 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I am a real estate agent and I agreed to a six-month contract with XXXX to purchase internet leads. I electronically signed the contract. XXXX did not deliver what they absolutely promised me so I sent them a cancellation notice after four months for breach of contract. I spoke with the XXXX rep numerous times along with his supervisor to try to come up with a solution. The only thing I got was, forget about what we promised and just pay the bill. I told them I was not rolling over nor was I going to pay the last two payments. We could go to Court if they wanted. A couple of agents have a lawsuit against XXXX for the exact same thing. These companies are making promises they can not keep just to sign an agent up for their services. I informed XXXX that I was filing a complaint against them with the Federal Trade Commission and the Small Business Administration. 

I cancelled my business card with Suntrust and received a new one so that XXXX could not bill my account. XXXX obtained my new card number and debited my account. I phoned Suntrust to file a complaint and ask why XXXX was given my new card number. Suntrust told me that Mastercard gave out my new number. They said that my new card number was linked to my old card. That does not make sense to me. If one receives a new card it should never be linked to a previous card. Consumers receive new cards for a reason. 

I told Suntrust that it was not up to them nor Mastercard to be judge and jury over my money. If I had wanted XXXX to have my new card number, I would have given it to them. Suntrust is telling me they have to allow the merchant 60 days to file an answer to my dispute. I disagree because Suntrust was not authorized to let that money leave my account. 
Suntrust informed me that the charge has been reversed but they can not put it back into my account until XXXX and that is provided XXXX doesnt contest it. 

My complaint is against Suntrust and Mastercard for giving my new card number out without my authorization. I have lost trust in the Banking institution. This tells me they are on the side of the merchant and not the consumer. They should not be allowed to give out a consumers new card number. I want my money back and I want it now.

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 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TekCollect Inc.
State: PA

Complaint narrative:
I am receiving repeated calls on a daily basis. When I do answer the call the person on the other end very quickly gets rather nasty and accusatory. I even offered to pay a regular amount with auto deduction but he wasn't interested in setting this up as he proceeded to belittle me for offering this monthly amount that he considered unsatisfactory. During our last conversation, I asked him to remove all of my phone numbers from his list and to cease all calls to me. I requested that he correspond via the mail. He went on to accuse me of ignoring his mail. Quite frankly, I do not even have any record of him ever sending any mail to me. He is mean, rude and uses abusive LOUD language. When I present some information that he doesn't want to hear he simply ignores the comment and talks over me with some derogatory comment or question. I spoke to him again yesterday and asked again that he remove BOTH of my phone numbers. He will not verbally acknowledge this in the conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2018. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: AES/PHEAA
State: VA

Complaint narrative:
I have tried to work with XXXX XXXX to get my number of qualifying payments corrected. I had the Department of Education Ombudsman check the number of payments and XXXX XXXX XXXX did not correct the number. I have made more than the 120 qualifying payments but right now, they are showing I've made only 55 payments. Two years ago, they showed 47 payments made. These numbers are both wrong. 

I believe I've held up my end of agreement and want Fedloan Servicing to do their part. 

My Student Loans are over 25 years old. The original amount was {$40000.00}. I've paid more than {$100000.00} and still owe {$170000.00} as of XX/XX/XXXX. 

XXXX XXXX University - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX in XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i have been a victim of identity fraud, there are numerous of accounts showing on my report that do not belong to me including, XXXX XXXX XXXX Opened XX/XX/XXXX ( 4 yrs ) {$430.00} AUTO LOANS XXXX XXXX Opened XX/XX/XXXX ( 1 yr, 6 mos ) {$8100.00} COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos {$8900.00} XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos ) {$2500.00} XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX ( 3 yrs, 1 mo ) {$1900.00}

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 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I spoke with the clerk of court and ask her about [ CASE ID XXXX listed from the three credit reporting agencies on my credit report as verified and she informed me that The United States bankruptcy court for the District of Alabama FED BK CT does not provide any information to any credit bureaus or third party. She also told me pursuant to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a debtors social security number along with their full name can be released and in order to obtain a debtors full social security number, a third party must file a motion with the court to unseal documents related to any cases so the reporting was false. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them from the bankruptcy court and not a third party. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness.Please attach the evidence of this bankruptcy to this complaint. This bankruptcy do not belong to me and should not stay on my file for 7 to 10 years this is violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I spoke with the clerk of court and ask her about [ CASE ID XXXX listed from the three credit reporting agencies on my credit report as verified and she informed me that The United States bankruptcy court for the District of Alabama FED BK CT does not provide any information to any credit bureaus or third party. She also told me pursuant to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a debtors social security number along with their full name can be released and in order to obtain a debtors full social security number, a third party must file a motion with the court to unseal documents related to any cases so the reporting was false. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them from the bankruptcy court and not a third party. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness.Please attach the evidence of this bankruptcy to this complaint. This bankruptcy do not belong to me and should not stay on my file for 7 to 10 years this is violation of the FCRA

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 2018-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a heloc loan with Bank of America which I was coached into by their employee. I was told this loan was a fixed rate, which its not, at the time I wasnt sure what I was getting into. Now, the payment has doubled and Bank of Americas bank statement doesnt have a separate line in their statements for accrued late fees they build it in to the mometkg payment. As of right now we are just trying to make the minimum payment and its just not right they they are including the accrued {$70.00}  late fee in the monthly payment. I have complained about this numerous times and nothing has been done.

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