vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 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: OK

Complaint narrative:
On Friday, XX/XX/2019 at XXXX XXXX., Hunter Warfield called my cellphone and said they had a debt totaling {$2300.00} and said that if I did not settle the account it would be sent into the court system for legal action. I then asked them " Are you threatening legal action? '' The lady on the phone then responded, " It's not a threat, it's a fact, it will be sent for legal action. '' I responded : " It is a fact that you're threatening legal action? '' The lady : " Yes it is a fact. '' I proceeded to hang up and submit this complaint. I have never acknowledged this debt and have tried to get this debt taken off for years through credit dispute resolutions but they still call and they now threaten legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Emergency room visit year XX/XX/2012. I was uninsured I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XX/XX/2012 so they added it to my report as new split into two of {$96.00} dollars listed twice. It has reappeared on my credit as a new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. No financial assistance offered at the time for medical debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Emergency room visit year 2012. I was uninsured I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from 2012 so they added it to my report as new split into two of {$96.00} dollars listed twice. It has reappeared on my credit as a new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. No financial assistance offered at the time for medical 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 2019-03-22 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: NC

Complaint narrative:
In early XX/XX/2019 I noticed multiple accounts and inquiries that were not created or authenticated by me.I am a victim of identity theft and would like these times removed immediately.

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 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX or XX/XX/XXXX I opened the platinum checking account online at Citizens Bank based on the promotional offer that said I would receive {$400.00} when I open a Citizens Bank Platinum Checking account and make a single direct deposit of {$1000.00} or more within 60 days of opening the account. The terms stated I would be paid {$400.00} within 90 days of completing the terms of the offer. 

On XX/XX/XXXX a direct deposit hit my account in the amount of {$1000.00}. To date I have not received the bonus payment in any amount. I am owed {$400.00}. 

On XX/XX/XXXX I called Citizens Bank and spoke to a representative that agreed with me that I have completed the terms of the offer and that should be paid {$400.00}. He indicated to me that he didn't see my account coded with the offer however. I did open the account through the link : https : XXXX however so clearly this is a technical issue on Citizens Bank 's side and not a user error. The representative I spoke with on XX/XX/XXXX said I would receive a call back from him later that day or by Tuesday XX/XX/XXXX at the latest since he was off on Monday. I never received a call on Tuesday so on Wednesday morning I called again and was told that I'll receive a response by Friday morning. I have received my bonus nor any further contact as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
XX/XX/2018 at XXXX I was contacted by a representative ( don't remember his name ) from Huntington Bank XXXX XXXX ) - I was never informed that the purpose of the call was for debt collecting purposes, nor was I was informed of the call being recorded. So I was a little surprised when he started talking to me about debt and how I wanted to resolve the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Every month an ach transfer for {$220.00} is being charged to my checking account by the management company. I want to stop the ach and pay by check. I sent the management company and my bank a letter revoking my authorization for the withdrawal. They both said it had nothing to do with them. Management said they don't request the charge and they no longer accept ach payments. I set up the ach many years ago and feel sure it was with the management company. However, I know that there have been changes. The bank says the payment order is coming over the web, but that is all they know. My only option was to place a stop payment on the charge. My bank handles a stop payment by withdrawing the {$220.00} from my account one day and returning it the next day. The association is treating this as a bounced check and charging me {$25.00} each month even though they receive my check. To date no one will help me find the source of this payment request. So, I am unable to rectify the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
My wife and I applied for the purchase of a property. We used the following company to conduct that transaction : Broker Solutions Inc. dba. New American Funding.

Escrow # XXXX XXXX XXXX  Loan officer XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On my understanding, this property shall be in our possession and begun to make payments towards the principal and interest.

The documents have already signed and again this company has not release the funds to the seller of the property.

I have several documents affirming that we should be the righteous individuals, ( or my wife ) to make payments towards the property. 

Truly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
i have mailed CACH LLC/Resurgent Capital Services on several occasions asking for validation of this debt of {$8200.00}. I have not received any validation of this debt that they are reporting on my credit report. I have not received any contracts with signatures proving this debt. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This is a serious allegation and i want answers on why false information this is reporting on my credit report.

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) The attached letter is the only information i have been sent. No other details has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was in the market for a home last year. There is usually a grace period of 45 to 60 days where your credit is being pulled to compare rates and offers with multiple lenders. The point is to not have every individual hard pull affect your credit score This was not the case for me, in some reports I have about 7 to 9 hard  inquiries all within this span that should not have counted as individual checks on credit. 

I want to have these removed and the negative hit fixed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: NC

Complaint narrative:
In early 2019 I noticed multiple accounts and inquiries that were not created or authenticated by me.I am a victim of identity theft and would like these times removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 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: NC

Complaint narrative:
In early 2019 I noticed multiple accounts and inquiries that were not created or authenticated by me.I am a victim of identity theft and would like these times removed immediately.

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 2019-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: IL

Complaint narrative:
I made what was going to be the final payment toward my student loan. The amount was XXXX and it was made on Discover 's student loan website on XX/XX/XXXX/2019. This payment was supposed to be split into {$80.00} toward my monthly payment with the rest going toward paying down my principal balance. 

Discover applied the {$80.00} payment promptly while failing to apply the the payment toward my principal balance. The entire sum of {$3300.00} has been deducted from my bank account and Discover refuses to bring down my principal amount. Due to this, I am being charged 10 % interest per annum daily on my balance. 

As I write this to you on Friday, XX/XX/XXXX, it has been 5 business days without Discover finding a resolution to this problem. I have made 2 calls and written several emails. During all of this time, I am being charged interest unfairly.

I am attaching Discover 's acknowledgement of the one-time payment I made. Their call center refuses to acknowledge this proof and wants to inconvenience me by making me go to my bank and get a statement and send it to them as proof of payment. I don't understand why they can't treat their own letter ( which they sent to me ) as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/19, I made a XXXX deposit to US Bank because I knew a transaction of XXXX was coming through on the XXXX. When I checked my balance, it showed I was XXXX in overdraft fees. I contacted the bank and talked with XXXX # XXXX XXXX who told me that because I deposited a check, the bank only released XXXX  which made me have late fees. When I complained to her that no one ever told me funds were going to held back because it was a check and besides it has already been two days. Someone else from USBank consumer complaints made a similar tale but said because the bank was holding the rest of the XXXX, I wouldn't necessarily owe them XXXX. Only if other transactions come in. I told her this was unfair and it looks like you are trying to extort money that was available in my account to give to US Bank because you want to. At no time was there an offer to make things right. The check has cleared their bank. There was no reason for them to do this to me. Oh by the way it is XXXX XX/XX/19 of this writing. US Bank has given me a deposit slip that says my deposit was for XX/XX/19 XXXX XXXX. How could this happen?

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 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I paid this collection company due to the fact that I did not recognize a debt that they were reporting on my credit report. I sent the company a letter requesting validation that was delivered on Monday, XX/XX/2019 ( XXXX Tracking Number XXXX ). I've attached a copy of the letter requesting accurate validation of this debt and indisputable fact the debt is mine. My payment on the account did not confirm ownership of this unknown debt, nor did they provide me with any sort of verification of the debt. I have not heard from this company and the debt is still being reported as " settled/paid '' on my credit report. Please stop reporting this unvalidated debt from all credit reporting agencies ( XXXX/XXXX/XXXX ) and/or provide me with valid " wet ink '' validation of my signature on an *original* document associating me with this 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 2019-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
For 2 years, XXXX and XXXX, Wells Fargo has not correctly calculated the Escrow shortage or surplus. 

* In their report of Escrow Account History for the period XX/XX/XXXX through XX/XX/XXXX they excluded to include the month of XXXX. Their report listed XXXX then lists XXXX. They failed to include the XXXX escrow payment in their calculation of Escrow shortage or overage. 

* In their report of Escrow Account History for the period XX/XX/XXXX through XX/XX/XXXX, which they ran as of XXXX, they excluded to include the month of XXXX. Their report listed {$0.00} for XXXX but did include an estimate for XXXX. Their failure of not including at least an estimate for XXXX caused the calculation to be an Escrow shortage instead of an overage. 

I called Wells Fargo and even sent them a detailed letter. My last letter to them was in XX/XX/XXXX asking them now that XXXX is over to please recalculate the escrow shortage using actual data for XXXX. They refused.

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 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
TD Bank is a new bank for me, and they gave me 4 checks that I could use, first I tried XXXX XXXX XXXX and they said the check was no good then I tried XXXX   gift store and they said the check was no good, why is TD bank giving out bad checks. This has been most embarrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
I was XXXX with my XXXX child in XXXX. She was born in XX/XX/XXXX. I was on XXXX then because I was not working. I had been on XXXX since my son was born the year before that. I was a patient at XXXX in XXXX. I was always seen for appointments here, and never was questioned about my Medical coverage because of what they already had on file. Never did I have to pay a co-pay of any sort. Toward the end of the XXXX in XXXX I had to do the renewal paperwork for the upcoming year. I turned in everything, and was always told I was missing some sort of paper. I would get that in and something else would be missing. I was worried that coming up the birth would be affected by this and I knew it would be expensive. So I did everything I could and complied with whatever was required of me. I even tried to hand carry in the documents in the office in XXXX but they told me I could not do that, and I would have to mail them. I just didnt want them to get lost. So I would mail them from outside their office. They had informed me that they would back pay the payments 3 months from the submission of my application while it awaited approval in XXXX. Come the birth, we stayed days and they nurse told us XXXX had only covered 3 days, therefore I was covered again. I recently applied for a mortgage loan and was ready to close in the next few weeks. A new collection from XXXX had popped up and dropped my score significantly. I immediately called XXXX and asked what I could do to get this removed because of the situation that I was in. I had told the lady that I thought this whole Insurance thing was behind me. I had already spoken with XXXX and XXXX about paying the past bills because they would retro pay the time I was still getting in documents that they kept losing. XXXX had me call XXXX to ask if I could pay them and have them remove the account from my credit report. The Manager there told me she was unable to do that because once it leaves their office it is out of their hands. I told XXXX this and they said it was false, they will only let the Credit Bureau know my account is paid off, but will not delete. Only the Hospital can do that. So I went back and forth getting nowhere. All I wanted to do was pay off the entire debt and get it cleared. I had told them I was willing to pay it in full right there but nobody would help me get it removed from the report. This entire thing was a mix-up and is now so old, I have no documentation for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My complaint is general. It is about the service called XXXX. I have called multiple banks and been allowed to block the service at some, but not others. Banks appear to be using XXXX as a way to avoid liability for fraudulent charges showing up on checking and other bank accounts. It is used by those committing fraud to quickly transfer funds out of a bank account. The banks then say that the transfer was authorized and that they are not liable due to the nature of the agreement with XXXX. 

I am complaining that XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and others are using XXXX as a means to facilitate fraud, and as a means to avoid their legal obligations related to protecting customers from fraud. They furthermore deny consumers ( such as myself ) the agency to prevent such transactions by blocking the service. The service, while convenient, is not without risks and liabilities and not allowing consumers to opt out of such a risky proposition is criminal. 

I'm requesting that XXXX be held accountable to the same banking laws that apply to other banks and money transfer services, and that Banks be required to allow consumers ( myself included ) to opt out of the service permanently, not just temporarily based on the lack of having signed up. 

To be clear, I am not able to opt out of the service completely at any of the above listed banks. I am not signed up for the service, but I have no ability to prevent funds from being used on the service without closing my account and going elsewhere. 

Plainly I can block one bank from another, but I can not block XXXX from any of my bank accounts due to this fraudulent scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
There are two delinquent accounts currently appearing each month on my credit report. They are retail credit cards with XXXX 's and XXXX. Both of these accounts belong to my ex-husband. We were divorced on XX/XX/18. These accounts are in his name. I am not an authorized user on either of these accounts. 

In addition, my credit report shows my XXXX XXXX XXXX, XXXX, Texas address as a new address. It is not new. I have lived there for 12 years. Also, it shows an address on XXXX as a new address. The XXXX address is my ex-husband 's rental property - not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22 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: USCB Corporation
State: MD

Complaint narrative:
I have received a data breach letter from XXXX and XXXX. I have tried disputing the items on my report but was told there is nothing no one can do. I should only have one account XXXX XXXX I have so many inquiries and accounts that I know nothing about like XXXX and XXXX. I have contacted IDENTITYTHEFT.GOV and submitted a complaint as well XX/XX/2019

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