vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have been receiving phone calls and letters since XXXX of XXXX from Resurgent Capital Services. They are claiming I owed money back from XXXX to XXXX XXXX in the amount of {$1300.00}. In there letters and even over the phone they have told me that the statute of limitations has ran out and they can not sue me. However I am still obligated to pay them. I told them the debt wasn't mine. I have nothing on my credit report stating so. I have no record of this debt. I wrote them a formal letter asking for proof and also I wanted to get a copy of their license to collect debt in the state of Illinois. I received no proof of debt of that a letter head of their company logo saying I owed money. I was expecting some original documents from XXXX XXXX showing what I signed and agreed on. I also didn't receive any proof of them being licensed in IL. 

They are saying if I don't respond withing 30 days I will be held accountable for the debt and they will be able to legally pursue by re activating the time limit. I sent the another letter saying I didn't receive any valid proof that the debt was mine. I also stated I didn't receive any proof of them being licensed in IL. I would like the phone calls and letters to stop. I believe I have proven I have not obligation to pay what they are claiming. 

Please help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: FL

Complaint narrative:
I always check my account before making a purchase. Wells Fargo has always posted my transactions as pending and subtracts my purchase from my balance and I see how much i have left. As the pending transactions start to post something happens that I end up negative in my account and end up with an overdraft fee. Even though my transactions are pending they show my balance as if it was already taken out and supposedly it all depends on when the merchant puts the transaction through but then why put it as pending and actually subtract it from my balance if they are supposed to wait until it post. This has happened to me about 4 times already and it only seems to happen when I make a lot of purchases in a couple days time one after the other. When I make a lot of purchases they seem to get me with an old transaction from like a week ago telling me that it just posted and that's why I become overdraft. Everytime I make a purchase whether its online or in a store I always look at my account and make sure it went through and it Is at least pending and I see that it was subtracted from my balance and I see what balance I have remaining. I would not spend money that I don't have and if the money wasn't in the account my card would be declined it really just doesn't add up.

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 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
In an attempt to refinance my home loan it was brought to my attention that I had a negative account on my XXXX credit score. I was not notified that this was still active on my account, as I have now found out that a new debt collection agency had purchased this debt. I was not notified by them via mail, and if they called I have not answered and spoken to anyone involving this. This debt is not valid, so I would have fought this debt, as I have in the past, which I am now doing since my discussion with my mortgage company brought this to my attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Management Solutions, LLC
State: NJ

Complaint narrative:
I noticed a remark on my credit report from FMS and requested validation of debt in XXXX. Shortly after, an old associate of mine was contacted by a law office. I was then contacted by a law office on Tuesday XX/XX/2019 once and three times on Wednesday XX/XX/2019. I requested they contact me via mail regarding any matters. Ive recieved nothing via mail validating the debt which they claim I owe. Today, I was contacted by that same old associate who stated my name was included in a law suit filing notice she was served with. Still no validation of debt has been made. The fact that I requested validation and now being faced with being sued, while my rights as a consumer were violated is unfair and unjust. And, With further review of my credit reports, I came across a potential business being reported under my name and the address owned/operated by the company in question. 

As Im completing this complaint, FMS has once again pulled my credit profile with XXXX against my knowledge, request and without permissible purposes. They have yet to provide me with Validation. 

They are also continuing to report to the credit bureaus while account in reference is in dispute which is illegal.

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 2019-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There a collections account on my credit report for {$350.00}. It was originally a national grid account that was closed in 2009. I disputed it with Transunion in XXXX of last year & it was removed from my report. Last month it must have been resold to another collection agency & was re-reported to Transunion. I disputed its validity with Transunion & they denied removal. Transuions response was that it meets FCRA requirements. Is it legal to keep changing collections agencies & reporting false dates on my report? I've tried to resolve with Transunion but it is still on my 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 explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
no contract

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 2019-03-12 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
XXXX XXXX has reported my account as paid late 30 - 59 days twice wrongfully : 1. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00} my payment was due on the XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$650.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX has 28 days this means that my payment was made and processed on the 28th day and not 30 days or more. By law they should have not reported a payment made before 30 days as a 30 to 59 days late. Now this is reported on all major credit bureaus and XXXX XXXX is refusing to acknowledge and abide by the consumer protection protocols and laws. 

2. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00}. my payment was due on the XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$640.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX was a Saturday this means that my payment was made and processed on the 8th but what XXXX did is that they counted the week end and end of business the following Monday and reported my payment to the credit agencies as paid on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: CITIBANK, N.A.
State: WI

Complaint narrative:
This debt was included in a amortization of debt. We filed in XX/XX/2018.  And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified citi bank in XX/XX/XXXX about the plan and did accept the agreement. This account should be current since XX/XX/XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way citi bank is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from citi they claim they are correct. Not true

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 2019-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have paid off my car loan about 4 years ago. Wells Fargo never sent me the title and now that I want to trade in the car they are making me wait up to 1 business week to get the proper form faxed to the 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 2019-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington Bank HELOC Truth in Lending Violation. 
XXXX Received Customized Proposal based on completed home appraisal : was 4.94 % minus a .40 % discount for a {$40000.00} draw at closing. On my first log-in to set up my online banking, my % rate was 5.6 %. Only fix offered to me was to redo the entire loan and do another {$40000.00} draw and still would not get the rate promised. Additionally, I was told by XXXX XXXX, I can lock my rate at any time for {$75.00} or remove the lock for {$75.00} which is not the case. As informed today i can lock it, but it will be even higher the my current rate. 
Signed the loan docs and returned to company on XXXX, notarized, received nothing from them until XXXX. 

Program Home Equity Line of Credit Prime Rate 5.25 % Line Amount {$100000.00} Margin to Prime -.31 % Initial Interest Rate 4.94 % Available Balance {$100000.00} Monthly Interest Payment {$0.00} No closing costs. 
Annual fee of {$60.00}. ( The initial fee will be charges on your first billing statement then annually, thereafter. ) Lock your balance into a fixed rate at any time. 
Offer above includes either a 0.25 % discount for taking a new money draw at closing in the amount of {$25000.00} or for line amounts {$40000.00} and above the rate includes a 0.40 % discount for taking a new money draw at closing in the amount of {$40000.00}. This discount does not apply when refinancing an existing Huntington Bank line or loan unless an additional {$25000.00} or {$40000.00} is being financed.

The APR for the home equity line of credit is variable and can change monthly, but will never be higher than 18.00 %.

The Floor rate for the home equity line of credit is currently 2.96 %.

Home Equity Line of Credit variance is tied to US Prime Rate - currently prime rate listed in table above.

Making only the minimum payment during the first 10 years will not reduce the principal balance on the account. 
Offer is based on customer estimated property value of {$570000.00} ( 17.54 % LOAN TO VALUE ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/18 I opened an account with this bank and the next day it was closed by the fraud department because I am on a hot list but wont tell me where they are getting the information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc.
State: RI

Complaint narrative:
I co-signed my wife 's student loan re-finance with SoFi in XXXX of 2018. At the time, we were informed that after 12 months of payments, I could be released from the loan. However, today I was informed by a SoFi employee that SoFi doesn't offer co-signer release. We were completely misled by SoFi. 

This is directly from the SoFi website : Though it never hurts you to keep a co-signer, you can offer releasethe official terminology for removing that person. Maybe your co-signer was happy to help you get approved, but after a certain amount of time wants out due to stress or even just a change of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
Caller is allegedly trying to reach a XXXX XXXX regarding a XXXX XXXX. I am neither of these individuals nor do I know them. Further this is a emergency phone rarely used for calls and is primarily here for XXXX emergency doctor/ambulance purposes. Additionally I have been on the do-not-call list for both federal and state. I do not have nor have I ever had a business or personal relationship with Ally. Finally it costs me airtime to either make or receive calls and this is getting expensive.

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 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harvest Strategy Group, Inc.
State: AL

Complaint narrative:
I have never had a relationship with this company but came across a post on XXXX that greatly disturbed me. The VP of XXXX made an incredibly disparaging remark about XXXX XXXX ( XXXX ) in a public forum, where he compared her to the XXXX " character '' that was proven a hoax. 

Given the platform that XXXX in regulating financial entities, this seems not only irresponsible but completely inappropriate. As a VP of XXXX, I would expect him to comport himself with a completely different level of decorum. One could assume that his commitment to compliance may be questionable if he is so openly vocal and disrespectful to the members of congress who set those rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX has reported my account as paid late 30 - 59 days twice wrongfully : 1. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00} my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$650.00} and XXXX XXXX processed the payment on that same date. Given that XXXX in XXXX has 28 days this means that my payment was made and processed on the 28th day and not 30 days or more. By law they should have not reported a payment made before 30 days as a 30 to 59 days late. Now this is reported on all major credit bureaus and XXXX XXXX is refusing to acknowledge and abide by the consumer protection protocols and laws. 

2. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00}. my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$640.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX was a Saturday this means that my payment was made and processed on the XXXX but what XXXX did is that they counted the week end and end of business the following Monday and reported my payment to the credit agencies as paid on XX/XX/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 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX has reported my account as paid late 30 - 59 days twice wrongfully : 1. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00} my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$650.00} and XXXX XXXX processed the payment on that same date. Given that XXXX in XXXX has 28 days this means that my payment was made and processed on the 28th day and not 30 days or more. By law they should have not reported a payment made before 30 days as a 30 to 59 days late. Now this is reported on all major credit bureaus and XXXX XXXX is refusing to acknowledge and abide by the consumer protection protocols and laws. 

2. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00}. my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$640.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX was a Saturday this means that my payment was made and processed on the XXXX but what XXXX did is that they counted the week end and end of business the following Monday and reported my payment to the credit agencies as paid on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 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: TX

Complaint narrative:
XXXX XXXX has reported my account as paid late 30 - 59 days twice wrongfully : 1. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00} my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$650.00} and XXXX XXXX processed the payment on that same date. Given that XXXX in XXXX has 28 days this means that my payment was made and processed on the 28th day and not 30 days or more. By law they should have not reported a payment made before 30 days as a 30 to 59 days late. Now this is reported on all major credit bureaus and XXXX XXXX is refusing to acknowledge and abide by the consumer protection protocols and laws. 

2. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00}. my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$640.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX was a Saturday this means that my payment was made and processed on the XXXX but what XXXX did is that they counted the week end and end of business the following Monday and reported my payment to the credit agencies as paid on XX/XX/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 non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello. I went to travel overseas from XX/XX/2019 to XX/XX/XXXX, the second week and I didn't have access to the internet for pretty much a month. In overdraft fees, Bank of America is charging me more than {$700.00}. 

I have paid and brought my accounts up to date, but Bank of America refuses to pay back part of the fees that were charged to me. If the fees wouldn't have been charged to my account, the account wouldn't have been overdrawn in the first place. 

I am doing a master course and my only source of income is my student loans. I have to invest more than 40 % of it for this semester for concept of housing and food just to pay all these fees. I am afraid that if not action is taken by the bank in refunding the fees, I would not have enough money to make it throughout this period.

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 2019-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
XXXX XXXX bought my mortgage and i can not log into my account through their website. I previously filed CFPB complaint number XXXX and received an inadequate response. It stated that since they can log into my account i can too and i don't have a problem. This is comical because i would hope a company servicing billions in home mortgages can log into their own software account ; however, just because they can log in doesn't mean i can. I have called the respondent o my complaint, XXXX XXXX in XXXX XXXX compliance department have have received no call back from multiple voice messages.

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