vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Netspend Corporation
State: NY

Complaint narrative:
This is a follow up to unsatisfactory resolution of CFPB complaint number XXXX. I was told a customer service representative left a voicemail with a direct number. I have not received any such phone call. I have been unable to liaise with Netspend for further assistance with this issue. Again, I have no contact information for who to speak with at Netspend. My accounts were closed by Netspend.

My funds in the amount of {$5000.00} are being held by Netspend and not returned to me.

I was asked to provide a Letter of Indemnity by Netspend from XXXX XXXX. As expected, since XXXX has nothing to do with Netspend holding my funds XXXX, XXXX XXXX has provided written instructions that they will NOT provide this letter. I have attached the message from XXXX for your review. Understandably, XXXX does NOT want to get involved. " Regrettably, we are unable to accommodate a request of a written release or indemnity form to provide to Netspend. While we sincerely empathize with the issues you have experienced, we ask that you continue working with Netspend and the Consumer Financial Protection Bureau ( CFPB ) in order to recover your funds. '' I really do not know what to do at this point since XXXX is unwilling to provide what Netspend is asking for. Netspend has closed my accounts in XXXX. They promised to mail the funds to my address on file which I have NEVER changed since registration. Netspend continues to hold my funds XXXX. Since filing a CFPB complaint, Netspend then says the promise to  mail the funds to the address on file was actually an error and to get the funds this whole time, a Letter of Indemnity is required from XXXX. XXXX has denied me this letter and is unwilling to get involved. I have no contact information for someone at Netspend to contact regarding this matter. I fear Netspend will continue to hold my funds XXXX citing my inability to secure this " Letter of Indemnity. '' CFPB, please help.

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 2017-12-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Collection Company : XXXX XXXX XXXX XXXX XXXX. 
Website : XXXX Amount : XXXX Date on Notice : XX/XX/XXXX A company by the name of XXXX XXXX XXXX XXXX XXXX has sent an order of wage withholding to my employer on a debt that is past the statute of limitations in the state where I reside and the state where the debt was originally incurred. 

I am a resident of Kansas which has a 3 year limit on how long a company can attempt to use legal means to collect a debt. The last payment made on this debt was in XXXX. 

I have informed the company in writing and over the phone of this and also informed them not to call my place of employment. 

They continued to call my place of employment and today I received the notice of wage withholding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On the first few days of XXXX I decided to transfer my mortgage to Sun Trust Banking, and I started the procedure. I was advised that one,  XXXX XXXX XXXX, would be handling the new account for me. I made it clear that I would require that I maintain my own escrow, in the past I have met with many problems concerning the escrow. I was assured that I would continue to handle my own escrow. XXXX XXXX went on a XXXX vacation and told no one about what had transpired between him and I. I was told that XXXX XXXX would be handling the mortgage transfer, I was called by XXXX XXXX XXXX, XXXX XXXX XXXX, and none of the above people knew what XXXX XXXX was doing or had done!!! I got a call from XXXX XXXX {? } telling me that he would take over the account, I ca n't get a hold of him either. I spoke to a XXXX XXXX XXXX, he told me that he would handle the account and get to the bottom of this problem. I was promised that I would be able to handle my own escrow account, as I have in the past and I am at present. Now I am told that I may not be able to handle my own escrow, by law. I have had this problem of the escrow being handled terribly. I have had a total of six people trying to get this handled and so far, nothing. I am hoping XXXX XXXX XXXX can handle the problem and I turning to you to further expedite the process.

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 2017-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I owed a debt in XXXX to Wells Fargo Bank. I was contacted by XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX ) demanding {$1100.00} by XXXX/XXXX/XXXX. This was sent in and this collection agency sent me a letter showing I had a XXXX $ account balance and that I was Released from all claims and liabilities pertaining to the above referenced account. I recieved a phone call last week ( XXXX/XXXX/XXXX ) from the XXXX XXXX XXXX XXXX ) XXXX attempting to collect the same debt from five and half  years prior, for which I have the written proof that it was paid. I have a message from them stating they were planning on taking me to court and if they did not hear back from me they would talk to my HR dept to garnish wages. When I called XXXX XXXX, the paralegal reported that a letter was sent 45 days prior ( which I never received ) though when I asked for a tracking number she said it was not sent with one. I then submitted copies of the documentation showing payment in full from XXXX to a paralegal I spoke to at XXXX XXXX. She said I would be contacted by one of their attornies in 2-3 weeks supposedly to confirm the documentation. When I asked for a confirmation letter from her, the paralegal said one could not be furnished. I also tried to contact Wells Fargo overdraft collection delartment MULTIPLE times ( 8 times over the course of the morning/ early afternoon ) on XXXX/XXXX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I was disconnected or told to call back at a later time. I also on the same day ( XXXX/XXXX/XXXX ) tried to get their collections dept. to help me which they could/ would not. My goal was to get this confusion taken care of. I tried calling the original collection agency from XXXX ( XXXX XXXX, XXXX ) however the numbers on the paperwork are out of service. The whole situation is disconcerting ; i would hope a large corporation like Wells Fargo would keep more accurate records. It feels as though they are trying to take advantage of me. I am now concerned because Im afraid the new collection agency is going to say because the original collection agency is now longer around, that i still owe the money. Thank you.

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 2017-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
On XXXX XXXX I personally wrote a certified letter to XXXX XXXX XXXX XXXX, informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. XXXX XXXX XXXX XXXX, has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
I have disputed this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I purchased the XXXX XXXX XXXX from XXXX back in XXXX XXXX, 2015. I received a bill XXXX XXXX, 2015, for the amount of {$240.00}, which was paid in full right after purchasing the phone in full payment. Coming to realize that, XXXX has put a {$530.00} credit debt on my credit which does not belong since everything was paid off.

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 2017-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i tried to deposit {$100.00} cash into my son 's bank of america account by going to a branch. 
i was told they would not accept cash because i did not personally have an account there. 
since when is cash not a viable option for our banking system to accept cash into account held at their bank. 
i have read that XXXX bank is also not allowing this. 

This seems like something that should not be allowed. The banks are in the best position to handle cash. The banks are in the best position to determine if the cash is real or not. 
If banks are allowed to set up business in the XXXX, they should be required to handle basic things like adding cash to a family member 's account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went online from a borrowed computer to request my credit report from all three credit agencies and have yet to recieve them. I was advised it could not be done online and I would receive them via mail. I do not have regular access to a computer and wanted hard copies sent to me. In order to view and correct issues. It was vital that I receive them in preparation for court.

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 2017-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I was disabled from purchasing on coinbase and my access to XXXX trading page was disabled and I should contact support. 

I contacted support on XXXX XXXX, got my case filed under XXXX ID : XXXX but nothing happens. 
I 'm afraid that this is just another fraud operation as I have around XXXX $ and I can not get to them or move them to any other wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX I personally wrote a certified letter to XXXX XXXX XXXX, informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. XXXX XXXX XXXX, has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P.
State: FL

Complaint narrative:
I have dispute this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX, XXXX has purchased a XXXX XXXX debt, which was listed as closed and charged off on all three credit reports. However, as per the FCRA regulations, LVNV failed to notify me in writing of placing this collection back on all three credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I have disputed this account with the credit bureau 's because it does not belong to me, yet, it still remains on my credit. Upon investigation of my own, I have found that they are not licensed to collect debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am in a class action suit against Wells Fargo for my complaint related to an unauthorized account. On XXXX/XXXX/XXXX Wells Fargo made an unauthorized direct deposit of {$85.00} to my bank account that was not earmarked and was unspecified and with no prior notification to try to offset the final settlement amount by forcing upon me {$85.00} to satisfy any financial harm without my consent or knowledge. 
This unspecified direct deposit noted only as " Customer Complaint '' was dated ( XXXX XXXX which my local Wells Fargo knew nothing about nor could tell me where it came from set off alarm bells as my bank account had previously been twice compromised after the XXXX breach. 
I received a letter in the mail onXXXX with no check as was mentioned in this letter it specified that they made an unauthorized direct deposit to my bank account. Wells Fargo could have sent a check in the mail along with this letter of explanation of what the {$85.00} was for thereby leaving me a choice to deposit the amount or NOT! Wells Fargo did not have permission to access my bank account make an unauthorized direct deposit. They breached my account. This is a deceptive effort on their part to deny consumers the ability to have a settlement in full! I will have to send a copy of notification and copy of bank deposit via mail.

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 2017-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: CO

Complaint narrative:
I signed up for a discover card in XX/XX/XXXX and was signed up for a payment protection plan through my discover card that I was n't aware of or gave permission to sign up for. I did not realize I was signed up for this until XX/XX/XXXX when I was checking my bills online. The fee for this is charged at the same time as interest rate so it looks like it is part of the interest charges each month. I am very aware that I did n't notice this charge for 7 years up to now, but now that I have found out and done the research on what they 've been charging me, I am very frustrated to sat the least. 

XX/XX/XXXX : I called discover to ask them about these charges and to get proof that I signed up for this program initially. They can not provide me with this information which is even more frustrating. They have decided to only refund 6 months of back charges for this program and this is n't acceptable to me. They need to dispute and refund the full amount. I never signed up for this program, I never gave permission for them to charge me for this, I have also never used said program. They signed me up for this program without my knowledge or consent and fraudulently billed me until I said something. Now they take their gains and refund only 6 months after taking and taking for 6 years. 

This is 100 % unacceptable, they need to provide me proof that I originally signed up for this program. They told me I said yes in a phone call in XX/XX/XXXX? What kind of XXXX is this ... 
I signed up for the credit card over the internet and only the credit card, not any accompanying programs they use to get money from people. I need someone to investigate this matter fully, I have 7 years of credit card statements showing charges from $ 10-75 each charge!!!?? This is honestly a scam and ridiculous and should n't be allowed. 

I repeat I have never signed up or used any program like this from discover credit card company and dispute all of the charges associated with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies XXXX XXXX, Equifax, and XXXX. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies XXXX XXXX, XXXX, and Experian. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
My wife and I are in the process of getting a home loan. The loan is in the final stages of being processed and then we just received notice that XXXX XXXX hit my report with 2 new collections. The account numbers are XXXX for {$60.00} and XXXX for {$1800.00}. We have several issues with this. # 1 is both of these collections were already disputes and deleted from all XXXX bureaus from XXXX XXXX XXXX recently. XXXX reported 2 collections, account numbers XXXX for {$18000.00} & XXXX for {$60.00}. The bureaus deleted these accounts within 30 days. Now a few months later XXXX some how gets a hold of this and reports it. I am assuming XXXX sold it to XXXX without telling them this was already removed from my report. # 2 problem is XXXX XXXX never sent us a 30 day " notice '' letter letter giving me a chance to contact them and let them know this was already removed from all XXXX bureaus just recently. 
Because we were not notified and this was posted on the report, we are now in jeopardy of not being able to close on the home loan. We are deeply upset and frustrated this has happened and would like you to PLEASE investigate this and remove it from our reports as we feel that XXXX illegally reported it and then once removed sold it to XXXX who never even notified us of the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation