vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alpha Recovery Corp
State: VA

Complaint narrative:
My wife  XXXX   XXXX  made a purchase on her  XXXX   XXXX   XXXX  credit card in the {$200.00} on  XXXX / XXXX / XXXX . The credit card bill was paid in full on  XXXX / XXXX / XXXX  ( roughly one week later ).     Starting in  XXXX ,  XXXX , we began to receive calls from  XXXX   XXXX   XXXX  seeking payment owing to this purchase of {$550.00}. Through numerous phone calls, some of which were quite unpleasant, I was finally able to garner from them the origin of the debt as listed above. They were quite difficult to deal with, as they frequently sought confidential personal information that I was not willing to provide. They finally sent a copy of the  XXXX  statement, which I attach along with their cover letter, which shows that the balance was paid promptly and that the account has a zero balance.     Their representation was that my wife 's account, originally associated with  XXXX , was sold to  XXXX   XXXX , and then to their current client.     Upon discussion with them today, they again sought personal information, this time stating that they wanted the cancelled check as evidence that the debt was paid. Given that I have come to believe that this entity or whomever they represent is engaged in fraud, I am obviously unwilling to send them a document which would disclose my checking account information and my wife 's signature. Their statement was that if I sent the check, they  MAY  mark the debt as previously paid.     I have the cancelled check drawn on our joint  XXXX   XXXX   XXXX  checking account, which I would share with the CFPB, but am obviously unwilling to show to them. These are bad actors, who are obviously preying on consumers. My case is an obvious  one  ... they are trying to collect on a credit card account that their own information shows has a  XXXX  balance. This has to be illegal.     This group, Alpha Recovery Corp, or their client  XXXX   XXXX   XXXX  is obviously engaged in fraud of some type. While I am reasonably sophisticated and keep records, I am sure that many of their victims repay debts that have already been paid and/or give them personal information that they otherwise use for illicit purposes. I hope that you are able to take action against them.     Sincerely,  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 non-monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: DC

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I contacted my mortgage lende r ( Nationstar ) to reques t information about my adjustable rate mortgage. It was scheduled to reset ( for the second time ) beginning with my  XXXX   XXXX  payment. I have on file a statement from them indicating that my 3.5 % mortgage rate was good through  XXXX   XXXX   XXXX . On  XXXX ,  XXXX  a new statement was sent to me indicating that, beginning  XXXX   XXXX ,  XXXX , my interest rate would increase to 4.0 % and my payment would increase by {$130.00}. I received NO correspondence, written or electronic, that this increase would occur. In fact, I was told by phone that my 3.5 % rate was good through  XXXX   XXXX ,  XXXX  and my  XXXX   XXXX ,  XXXX  statement indicates the same. I am about to cont act Nationstar to tell t hem about their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
We graduated from   XXXX  l school in  XXXX  and had  XXXX   XXXX  as our loan services. When we started residency the first year we were not required to start repayment. We were told by sallie  XXXX  our  2nd  year that the law had changed and we were required to start making payments  (   XXXX  of  XXXX  ). We were not making that much as residents and both my husband and I have   XXXX   school debt so we could not afford the payments. Not ONE time in the last 8 years has ANYONE from  XXXX  ( now Navient ) contacted me, or informed me when I contacted them about repayment option, about the income based repayment options. We were put into an economic hardship forbearance throughout the rest of our residency  XXXX . We should have been informed of the income based option and we were not. Further, we had a private loan that we were paying on during that same time frame. In  XXXX  when started repayment, our payments were mis-appropriated and applied to all of our loans, making our payments late until WE caught what was happening. This also extended the time it took us to pay off the private loans. After the lawsuit was made public WE looked into income based repayment and it will save us thousands of dollars over the course of our loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On  XXXX / XXXX /  XXXX   at  XXXX   XXXX  our organization 's treasurer,  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  ), received an email pretending to be from me, our organization 's top officer,  XXXX   XXXX   XXXX   XXXX  XXXX  XXXX   XXXX  with this message : " Hi  XXXX . Are you available to make a payment to a vendor today? Let me know the available balance in our account then i [ sic ] can get [ sic ] further instruction  [ sic ]  on the transfer. Thank you,  XXXX   XXXX   Sent  from my  iPhone '' They have my name correctly spelled and they have my correct email address. However, I do not have an iPhone  and I never sent that message. I checked my  XXXX  account and did not find any such emails sent from my account I have since changed my settings.Meanwhile,  XXXX  did not immediately call me to verify after she received the  XXXX   XXXX  email, but she replied to that email on  XXXX / XXXX /  XXXX   at  XXXX    XXXX   as follows : " I am not sure what you are referring to as a transfer we have money in the account please send me the info  XXXX  '' Then fake  XXXX   XXXX  replied on  XXXX / XXXX /  XXXX   at  XXXX   XXXX  with these details : " Transfer {$6700.00} to the Vendors  [ sic ] banking information  below. Notify me once the transfer has been made and email me with a copy of the wire receipt in your next email. Account name :  XXXX   XXXX   XXXX  Bank name :  Wellsfargo [ sic   ] Bank Routine [ sic ] number :  XXXX  account [ sic ]  number :  XXXX  Bank Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , VA  XXXX . Thank you,  XXXX   XXXX   Sent from my iPhone '' Thankfully ,  XXXX  did not respond.  XXXX  finally called me about the emails at  XXXX    XXXX   on  XXXX / XXXX /  XXXX  , and I was able to confirm I did not send them and have not seen them. We are concerned the scammers knew our names, their correct spellings, our correct emails and the fact that  XXXX , as the Treasurer, would be the person with the bank account information and that I, as the head of the organization, would communicate with her via email.

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 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank in  XXXX , PA allowed ( and will not return funds ) an online withdrawal transaction that had my name and my father 's name on it. It was a checking account. My father passed away on  XXXX   XXXX ,   XXXX  , and my sister ( whose name is NOT on the account  )  withdrew {$500.00} two times ( {$1000.00} total ) on  XXXX   XXXX ,   XXXX  . Again, this was AFTER my father passed away, and my sister 's name is NOT on the account. PNC refuses to return the money or even attempt to retrieve the monies back from her. My sister (  XXXX   XXXX   )  and I have not spoken for several years. I feel this is the bank 's responsibility to return the {$1000.00} to me as it was then  MY account, and the bank holds responsibility to protect their customers ' accounts. The Assistant Bank Manager   (   XXXX   )  is the person I have been speaking to regarding this fraudulent act. I am filing this formal complaint against the bank so they refund the {$1000.00} that they allowed to be withdrawn illegally. They have been totally unhelpful and uncooperative in this matter. They did n't even notify me until 4 days AFTER the money was withdrawn. They are fraudulent in so many ways.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: OK

Complaint narrative:
XXXX  at  XXXX   XXXX   XXXX   XXXX , TX  XXXX  has failed to validate a debt that was discharged in court prior to reporting to credit bureaus. After I noticed this on my reports, I filed a dispute again. They still failed to validate and continued calling me after repeated cease and desists were sent to them. This company failed to report a phone number on my credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Good Afternoon , Re : Barclaycard    XXXX   XXXX    XXXX   XXXX , DE,  XXXX  Act # ending in  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  XXXX  The account information reporting on all credit reports, is incorrect. My name is  XXXX   XXXX , and my sons name is  XXXX   XXXX   XXXX . Barclaycard has been reporting this account incorrectly. I 'm  XXXX   XXXX  not  XXXX   XXXX   XXXX . I have requested they delete this account from my credit report, and for the past year, I 've had no success. They keep replying with letters, advising information is correct. I kindly ask you to please help me remove this erroneous information off my credit reports, since this has now begun to affect me.     I thank you in advance, for all your help resolving this matter.      Kind  Regards,  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 2017-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The lender has failed to provide a response to the QWR request that was sent as of  XXXX / XXXX /   2017 - The lender also failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) (  iv ).

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 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened my account in   XXXX   XXXX   XXXX     promised I am opening a veteran account and would be charged no monthly service fee. If you check my bank statements attached you will find that they did not charge me service fees. I kept calling  Wells Fargo  every month once i found out and was able to get the fee reversed each time spending hours on the phone and at the end of the call having their representative state that this is a  one tim e courtesy refund and my rebuttal of I do not accept this as a  one time courtesy but a  need for you to fix the promise made when I opened the account. After the 4th time and going through several managers I decided to just close my account, because  XXXX  offers premier bank accounts to their veterans with safety deposit boxes, and keeps their word to veterans. So I am out all of those monthly service fees they kept charging me for years, and this leads to yet another reason I am writing. After closing my bank account  2 co mpanies,  XXXX  and  XXXX , sent me refunds to my account on file, they instructed me that typically the bank sends the money in the form of a check to the recipient or contacts them. I called  Wells Fargo , they claim no refunds await me, and yet both companies state  Well Fargo, " has the funds. ''

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 2017-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
I applied for a loan and the terms were not disclosed until after the money was deposited in my account. When I looked at the interest rate it is 977.3953 %!!!!!!!!!! I did not agree to that. I am sick to my stomach and do n't know what to do. I have contacted the company and no response yet. I feel I have been deceived greatly on this. I borrowed  XXXX  and I have paid  XXXX  ytd on it. This is a  XXXX  tribe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I would deposit large sums of my paycheck into this account to save money for future bills or purchases and also as an emergency fund. Nobody was on the account or authorized to access this account. It was in my name only and until an employee,  XXXX   XXXX , while working as an employee of  TD Bank had given my account information and balances to my wife which caused me to get kicked out of the house and divorced. This has caused all sorts of financial and emotional turmoil. I contacted the bank and filed a grievance. An investigator  called me from the bank to take down my statement. I have not heard from the bank since, but have learned that the employee was fired over it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
Due to job loss, we fell behind on our credit card payment to XXXX XXXX XXXX  ( " XXXX '' ), which then caused XXXX XXXX XXXX XXXX " XXXX '' ), a collections law firm to begin to call us and send us letters. We have attached a few of these letters, which implied were coming from an attorney, but really were not. We agreed finally to try to make some payments, and were told by XXXX that we would have nothing bad on our credit report. XXXX lied to us, as they put a judgement on our credit reports. <P/>We read that the CFPB last week filed a lawsuit against XXXX for fraud and deception ; which is one of the reasons that we are filing this complaint. <P/>After we found out about the judgement, we then discovered that XXXX XXXX XXXX was not licensed nor registered to do business in Indian, and thus did not have any access to the Indiana courts to file a judgement. Despite the lack of legal standing, XXXX did it anyway. This seems to be an unfair, abusive, and deceptive business practice by XXXX. <P/>When we told XXXX and XXXX that they had done some bad things, and were violating numerous consumer protection laws, they merely sold our account to XXXX XXXX XXXX XXXX ( " TD Bank '' ). TD Bank has done nothing to correct this problem, as the employees of XXXX are still servicing the account, and rely on XXXX for legal advise. So they continue to cover this up, and have done so for many years now. <P/>Now that the CFPB has taken action against XXXX, this would be a good time for the CFPB to investigate this matter, and take appropriate action against XXXX, Target, and TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon being denied from a lender for too many inquiries I decided to check my reports from all credit bureaus for accuracy. I have noticed several inaccurate credit inquiries that I had no knowledge of and DID NOT authorize. I contacted Equifax immediately and have been given no relief. The representative on the line continued to tell me its a " statement of fact '' which is not TRUE! I have a fraud alert currently listed and have taken extra steps and purchased a product to lock my credit report. Please see the following inquiries that were not authorized by me and the dates that my report was improperly shared with these companies. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I am requesting you open an investigation on Ditech Financial LLC that used to be GREEN TREE LLC for the following reasons. I have sent numerous Fax letters requesting documentation of who the actual note holder of my mortgage. They have failed to provide me with the information .I have enclosed one of the fax letters I sent to Ditech Financial LLC in regards to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIGY USA CORP.
State: NY

Complaint narrative:
They enter a jugement against me and asking a marshal to garnish my pay.   Even thought the initial debt was {$3800.00} they put an interest of $  XXXX  which i s exorbitant and not fair.this is the only communication i receive from them.i also think the statue of the debt might be expire if its from   XXXX  .   I did ask them to send me the initial debt so i can see myself after i spoke with one of their people.   I would like to get help wiyb this matter.   I already check my credit report and can find anything from fleet bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I requested validation of the debt  Capstone Credit Services Inc say I owe on   XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Atlantic Credit & Finance, Inc.
State: FL

Complaint narrative:
I had a Line of Credit for {$20000.00} with   XXXX   of Florida and 5 years ago I stopped the monthly payments because I was renegotiating with them a Mortgage for my House. I   XXXX   XXXX   XXXX   I renegotiated the Mortgage and in   XXXX   of the same year I received a Law Suit from  Atlantic Credit and Special Finance Unit LLC t o collect the total amount of the Lines of Credit through its Attorneys   XXXX   XXXX   XXXX  . I answered the Law Suit saying I did n't have any  deb with Atlantic  and I had never received a Notification from Beneficial informing that my account had been sold.   Aft er one year they filed a Motion  to Mediation but they did n't give me the opportunity to choose the Mediator and did n't follow the Procedures of the  XXXX   XXXX  Court to go to Mediation. The day of the Mediation I attended the meeting but I told them that I wo n't participate because the irregularities they had done. At the beginning of this year there was a hearing in  XXXX ,  XXXX   XXXX   Court,  which was not attended personally by  XXXX  and the Judge accepted an Order to compel to mediation by   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 2017-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
I got a call from a company called Asset Recovery Associates or  ARA c laiming that in  XXXX  i opened a credit card with a company called Express and i stooped paying them in  XXXX , the original amount was {$5000.00} with interest and fess its {$15000.00}, but they are willing to take to original amount of {$5000.00}, i told them to give me 24 hours to make sure i owe the money or come up with the money, the response was  u need to pay  us {$1500.00} over the phone today or we will put a lean on your house, i asked for explanation, i Called The FBI and they recommended to file a scam report with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On  XXXX   XXXX ,   XXXX  ,  Bank of America  allowed a check with my name and my  XXXX  former roommates names on it to be cashed without an endorsement from any of us.

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