vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
On XX/XX/2018 I called in to attempt to resolve an account. 3 representatives hung up on me and would not transfer me to my account representatives or a manager. Their names were XXXX, XXXX, and XXXX. XXXX refused to transfer to either and hung up. XXXX used inappropriate content and verbiage and also hung up. XXXX was pleasant but she also hung up. Is quite sad that this is how a collection agency treats people who are actually trying to resolve a debt

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 2018-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions

Complaint narrative:
I paid my bill by the phone, but asked for my receipt, because I need it to get a refund of my insurance. But they told me that I cant get it by phone, or email and right now I am out of the country. They gave me " confirmation number '' that I cant do anything with it, so my question is, how can I pay something and they cant give me my receipt? I paid it by phone last week, on XX/XX/2018, the amount was : {$420.00}, devided in 3 months, the company is Holloway Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX sent a letter in the mail claiming I owed a debt form an account paid off. They purchased an debt file and are claiming they want to collect without providing any proof of the debt just my address an balance. They refuse to send me evidence to the validity of the debt and threatening to report it to a credit agencies. Currently this debt is not on my credit file with any of the three major agencies hasn't been ever. Now they are threatening to ruin my credit with no evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Last Tuesday, XX/XX/XXXX, I was making an ATM deposit at my local SunTrust 's drive thru. I put in two checks, one for {$1000.00} and one for {$960.00}, and the ATM read something like : ||Number of checks : 2 ||Number of checks read : 1 ||Total amount : {$960.00} ||Since one check wasn't read, I cancelled the deposit completely out of habit when this happens. The ATM spit out one of the checks, and made a lot of whirring and squeaky noises without the {$960.00} check coming out. The ATM said something like : Transaction cancelled. Thank you for banking with SunTrust. 

I called the SunTrust XXXX number while sitting in front of the ATM. They told me to talk to someone in the branch. 

I walked into my bank branch and talked to a customer service representative. She told me to email corporate customer support. 

I emailed customer support. They told me to call their fraud prevention department. 

I called fraud prevention. They told me to download a fraud incident report, fill it out, and fax it back to them. 

I faxed the report. I was notified as I did so that this may take up to ten days. 

This is an awfully long time to be missing that much money because of a blunder on the bank. My personal accountant told me to just ask my client for another check and cancel this " fraud claim '' investigation ( which the bank assures me it's being handled by the proper department ). I asked my local branch rep. She told me to not take any other action ( ask for a new check, cancel the " fraud investigation, '' etc. ) because it might inadvertently cause a returned check fee, for which they " would not be held responsible. '' I called yesterday, XX/XX/XXXX and asked for a manager to check on the status. I was told it's likely going to be another week before they have an " outcome, '' since it's ten BUSINESS days, which would be on XX/XX/XXXX. 

I've already opened my first credit union account. Honestly, at this point I want this situation resolved so that I can close my account completely and take my business elsewhere. I'm not hurting for the money at the moment, but it's an awful large amount of money to be sitting around wondering if they will find the check, or if it's been chewed up in the ATM and I need to ask my client to cut me another check, for which I'm positive SunTrust will not reimburse anyone the cost for a stop payment fee. 

After fifteen years of banking with them, it's always been underwhelming, but I wasn't in a great position to change banks until recently. After numerous sketchy overdraft protection fees while I was in college, the bouncing back and forth from a free to paid checking account without notifying me when it's converted back to paid, nothing SunTrust has ever done felt like they had me in mind.

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 2018-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My issue was hard to define with the previous questions you asked. 

I have a credit card TJX Rewards/XXXX, previous credit line of {$5000.00}. After much usage previously but no immediate need over the last 12 months, they reduced the line from {$5000.00} to {$1000.00} without any previous call or notification to discuss their concerns and as a result forces me to either use their card or deal with the decrease in my credit score. Pure blackmail by requiring me to use their card and now ... considering what I have historically spent in their stores, damage my credit further by having an unhealthy percentage of credit usage on my card. 
They know exactly what they are doing. While my income and credit score has increased since originally securing this card, they have never dropped my interest rate. They claim they are simply following a process and in fact they probably are. A process created by scheming accountants and executives finding creative ways to pressure usage just like the cigarette companies prompted addiction to nicotine. 
I am a XXXX XXXX overwhelmed by regulation. How do you let these companies get away with this?

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 2018-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX, Illinois, for the total amount of {$2200.00} purchased through XXXX XXXX XXXX XXXX, Phone # XXXX. I was told by XXXX  that I would have 18 months to pay this off interest free. After 18 months, I would begin to pay interest on the amount unpaid. I agreed to this. I paid {$77.00} per month for 18 months and on XX/XX/XXXX, I received a statement where XXXX XXXX XXXX XXXX added an interest charge of {$340.00} for the 18 months previously. I called Wells Fargo on XX/XX/XXXX and disputed the charge. I talked to XXXX from the Executive Office at XXXX XXXX XXXX XXXX   and was given the name of the Executive that would be helping me find a resolution to this charge. His name is XXXX XXXX I was given a Case # XXXX. On XX/XX/XXXX, I called Wells Fargo to check the status of my case. I talked to XXXX. He stated that he would be sending an email out to XXXX. Still no response. On XX/XX/XXXX, I called Wells Fargo again and spoke to XXXX. XXXX   states that they can not help me because I agreed to the terms. My argument was, that I did not agree to pay on interest that was deferred for 18 months, and that I had agreed to pay the interest after the 18 months.

I feel that I was incorrectly informed regarding how the interest rate worked and can not agree with their resolution of writing off the interest and paying the remaining balance of {$1100.00}. I could not afford the XXXX XXXX then and I can not afford to pay the balance in full. That is why I agreed to pay in monthly installments.

Anything that you can do to help me financially would be appreciated.

Thank you for your 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 2018-06-15 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: IL

Complaint narrative:
I am an authorized user of this XXXX XXXX XXXX account and was told by XXXX that this account would report to all national credit bureau 's which includes Equifax. Its been over a year now and have not seen any reporting of the XXXX account. I have attached a document from XXXX in regards to the non reporting of the XXXX account. Equifax please review this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
So I have overdraft fees accrued in the total of XXXX us currency, based on another account holder who was once on my account, this account holder has their own account seperate from my account, and the charges were accrued in that account holders name my name or social is not linked to his account, and he accrued the fees on his own seperate account and the bank took all the fees and overdrafts from my account, I need them to replace my funds it was not authorized or legally acceptable. this bank is trying to hold me accountable for someone who has frauded their account that I have nothing to do with, and now they're telling me I have to close my account to rectify the situation and that is the only way he can come off of my account, and that information was not provided to me over 6 months ago when he was removed from my account, because they were sending my direct deposit info to his email, and I had to call them about that also, Now they have debited my account based on his fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I settled my debt with XXXX XXXX a while back. The debt was resolved. Now, a collection agency name XXXX/Resurgent Capital is reporting this debt on my credit report and trying to collect monies from me. I have told them that I have already settled the debt with XXXX XXXX, but they don't seem to care. They seem to want me to pay it twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
I am in the loss mitigation process. i had paperwork that was due XX/XX/XXXX i faxed my profit loss form XX/XX/XXXX by XXXX XXXX after faxing my document I even emailed my mortgage counselor. I had everything I needed written on the document even the receipt of the fax. My mortgage counselor called XX/XX/XXXX and said that I was denied for the program due to not faxing the profit loss form that I actually faxed. I asked her even though I have my receipt and wrote everything on there and she said How do I know you didn't just write the loan number on there. When I heard that it crossed my mind to XXXX XXXX XXXX XXXX because I knew that if I was denied out of the program at any day they could come and tell my children and I to leave. Fortunately im guided by XXXX. 
This is the third time this bank has made a major mistake like this and the fault has fallen on me. This company either needs to change policies, enforce rules or find employees who can perform the job. These people have important positions with important tasks that involve other human lives. They need to take their job or company more serious. 
Nine years ago they paid my insurance twice and at one time my mortgage had went up to XXXX but started at XXXX because of escrow shortage, and then threw me in a government program. Then in XX/XX/XXXX they set me up a payment arrangement where I had to pay a down payment of XXXX and then follow up payments. We set up an automatic payment through my account and he had such a hard time getting it done. And when they told me it wasn't paid on the correct day i was terminated from the arrangement they also told me automatic payment had not been set up. Their employees are making huge mistakes with even bigger consequences and its nothing to no one. Im starting to think this is how its suppose to be. The banks make a complete fool out of their customers and the system allows it. They are the system. 
How are they allowed to keep doing this. Are they just trying to take my home? 
I really need them to accept my paperwork and get this process over with because of this bank I am mentally drained, and in a depressive state everyday. 
Buying a home cash should be the American Dream anything else is setting yourself up for failure and a nightmare, but the companies are set up to win ... ... ..well duuuh but you shouldn't be allowed to do wrong

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 2018-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC.
State: AZ

Complaint narrative:
Receive multiple calls a day won't every discuss number given to call back is never answered, Goes to voice mail but does not leave a message. Every time I call thme there office is closed. I don't owe anybody any debt. I have an XXXX credit score. 

Thanks XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One B account was opened in XX/XX/XXXX with out my knowledge. Account XXXX. Balance is {$3300.00}. During a routine security clearance investigation by the XXXX in XX/XX/XXXX I was informed by the special agent handling my clearance that I had a closed account and Capital One bill. I was stationed overseas at XXXX XXXX XXXX, XXXX when this occurred. I did not give consent for this account to be opened. Also, I have no bills or have not been provided any documentation from Capital one B. I contacted Capital One B to resolve this debt. Additionally, a recorded statement was also made with Capital one B that I never used their services. Capital One B requested documentation showing that I was out of the country and were provided via FAX per there request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
I went to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CO XXXX, at approximately XXXX XXXX, XXXX XXXX of XX/XX/2018 to buy groceries, including getting XXXX dollars cash back on a personal check written from my bank, XXXX XXXX XXXX XXXX. I have written checks many times at that exact location of XXXX XXXX before with no declines of my checks. I was told today by the XXXX XXXX checkout staff to call Certegy, and was given the phone number to call, which is XXXX. 

I spoke with a woman at Certegy about XXXX XXXX over the phone, and it was a very bad call, and not what I wanted to hear. ( I do not remember her name, but all calls are recorded. And yes, I was VERY upset and I used a curse word and anger filled words because she refused to give me the exact reason, as I asked her several times. We as consumers should never be treated and punished in this way. I lost my father and uncle in the same year recently, so I was very upset. I apologize for the bad words and anger, but you can understand why I was so upset. This should not have happened. ) The amount of the check was for {$110.00}, which includes {$40.00} cash back. Same credit union and same bank as I wrote a check there before at the same location. I have a copy of my Certegy report and NO checks are outstanding or showing returned, so there is literally NO reason why this should have happened. 

I am upset, humiliated and embarrassed. I feel harassed and insulted to say the least. Consider this a direct complaint against Certegy for the way they treated me and declining my check without ANY EXACT REASON given. A cookie-cutter list of reasons is NOT the exact reason. And she REFUSED to tell me the real reason, which is unacceptable, and should be considered a direct attack on my credibility and integrity. 

I shop at that store all the time. I will not be forced to use another form of payment, when this is basically the only way I do business. I have been a victim of fraud in the past, so I can not use a debit or credit card anymore. I do not feel comfortable using any form of card now because of being a victim of fraud and theft directly towards me. 

Please, get on top of this right away for me. I would greatly appreciate it. 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 2018-06-15 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: IL

Complaint narrative:
I am an authorized user of this XXXX account of which was explained to me by XXXX that this account would be reported to all national bureaus However I have reviewed my credit file with Experian and have not seen any reporting thus far for almost a year. I received document form XXXX XXXX explaining the request to have the account reported. I've attached XXXX 's document to reflect more information.

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 2018-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Due to recent financial hardship I went over 90 days past due. So i got in contact with XXXX to set up a payment plan to bring my account to current, the deal that was made was {$88.00} a month no interest if I agree to close the account and stay current on payments if I failed to do so the deal was off so I gave them my bank account and routing number to take the payment and was settled from there I believe this occurred XX/XX/XXXX. On XX/XX/XXXX I went to pay and it showed a balance of {$300.00} assuming this was a error I called XXXX, and was told the the agreement was voided due to non-payment, I replied with the bill is not due till XX/XX/XXXX and they said the original payment was never made, I verified they had the correct account which they did so I proceeded to contact the bank to find out what happened since there was plenty of money for XXXX to take. The bank told me that there was never a transaction attempted by XXXX in that time line. I then called XXXX again and explained to them what the bank had told me and they refused to help me at that point trying to tell me the fault was on my end not theres. In my point of view they purposely did not run the payment to try and void the agreement to continue to collect the interest which I had said to the manager that I was speaking with and she just continuely said they are no longer willing to help me and proceeded to report me negative to the credit bureau, at that point I sought legal advise and was told reporting to you was the best course of action

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 2018-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
I was selling my property in XXXX and was supposed to have the closing on XX/XX/XXXX. Yesterday the buyer informed that he is walking away. There was an issue with appraisal where the appraiser selected wrong properties as comparibles, didnt do the adjustments properly and had arithmetic errors all resulting in an deflated value. That appraiser had 4 recent ethical violations on his record. The lender for the buyer was told to use last appraisal from XX/XX/2017 from prior deal that fell through, but since it was an FHA loan ( so is this ) they can use the same appraisal for up to 6 months. That XXXX appraisal done by another appraiser, was correct and free of errors with an appraised value of much, much higher than the one with errors. 
Now, the lender took no action, the buyer is annoyed, unwilling to go to another lender and is walking away. We all here understand the issue with the appraisal and the appraiser. 
Can we bring legal action against the lender - XXXX ( originating mortgages for XXXX XXXX XXXX ) for failing to abide to rules and regulations of FHA financing and failing to use the XXXX appraisal? They should know the rules that in FHA loan an appraisal stays with the house for 6 months regardless of the lender. It's obvious and clear on the appraisal they got from the latest appraiser that the adjustments are not done correctly, there are simple math errors, not to mention selecting wrong comparibles while right ones were available. The lender admits there are errors, sent it back to the same appraiser for corrections, but 2 weeks later no corrections were done and the same exact appraisal was sent back. The lender is not taking appropriate actions. 
Because of this lender I will lose the deal and money, and I already sold most of my furniture to have the house ready for closing in a week. 

Thank you!

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