vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
my XX/XX/XXXX.payment was not received so they say .so i called they told me to send my bank statement so i fax it and still they is giving me the run around this is being going on for about 3 weeks they have the bank paper i fax the statement XXXX XXXX XXXX payede by phone XXXX dollars withdrew from my account on XXXX.got ready to pay for XXXX thats when i learned about itive called about 20 times talked to 20 difference peoples keep saying the same crazy stuff i dont understand what the problem is because they have the bank statementplus i want to sue them for stress this has took a tole on me i pay a XXXX dollars on this account every month never missed or late plus my credit when down about 40 point they said because of XXXX credit card

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 2021-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NRA Group, LLC
State: WI

Complaint narrative:
Below email arrived in my email box. I don't own any money to the company, never did business with the company!! I don't know who they are and there is no phone number to call, only XXXX email address!!! 



Debt Collection Agency XXXX To : Debt Collection Agency Bcc : XXXX Thu, XX/XX/XXXX at XXXX XXXX  NOTICE OF WAGE GARNISHMENT from District Court Case File : XXXX Notice Issued On : XXXX XXXX, 2021 Amount Outstanding : {$1000.00} ( higher than actual amount owed ) Dear Debtor, This is our official notice to you regarding the due payment with XXXX XXXX XXXX.You have defaulted to pay the dues. 

TO THE GARNISHEE : The creditor has obtained a court order against the debtor.The creditor claims that you owe or will owe the debtor a debt in the form of wages, salary, pension payments, rent, annuity or other debt that you pay out in a lump-sum, periodically or by instalments ( A debt to the debtor includes both a debt payable to the debtor alone and a joint debt payable to the debtor and one or more co-owners ) YOU ARE REQUIRED TO PAY for Small Claims to Collection Agency ( a ) All debts now payable by you to the debtor within 7 days after this notice is served on you ; and ( b ) All debts that become payable by you to the debtor after this notice is served on you and within 30 days after this notice is issued within 7 days after they become payable. 
The total amount of all your payments to the clerk is not to exceed $ XXXX.THIS NOTICE IS LEGALLY BINDING ON YOU until it expires or is changed, renewed, terminated or satisfied.If you do not pay the total amount or such lesser amount as you are liable to pay, You must serve a Garnishees Statement ( Form 20F ) on the creditor and debtor and file it with the collection Agency within 10 days after this notice is served on you. 
If we do not receive the payment in full by XX/XX/2021 ( deadline ), We will have to do whatever we can under the law to recover our money with accumulated interest from you that includes, but does not limit to legal proceedings against you, not to mention the legal expenses shall also be borne by you. 
We are open to discussion until XX/XX/2021 but after this date, We will have no other option to go with the legal proceedings. 
If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench by jury then you have to bear a lawsuit, which will be amounting to {$2100.00} and we are sending you this notice to let you know what we have done in response to the garnishment order.You can contact your creditor for the settlement amount. 
Please reach out to us immediately if you would like to set up a repayment plan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I received a text message from WELLS FARGO that {$5000.00} had been authorized to be taken from my account to pay a XXXX XXXX account. The person had used my checking account and routing number and the funds were removed from my account. 
*This exact same thing happened in XX/XX/XXXX the week before XXXX, which caused extreme stress since I was unable to purchase gifts for my family At that time, {$5500.00} was taken by my account to pay for some XXXX XXXX card I have NEVER had a XXXX XXXX, and have never had a transaction for that amount in the 20 years that I have been with this bank. 
Today, when it happened a second time I called, and was told that they would investigate and it could take up to 10 days to get my money back. The rep XXXX provided a case number of XXXX. I explained that I am now unable to pay my bills, and have XXXX XXXX in my home that I am raising. I have to buy groceries to feed my family. He said they will put a stop payment against any future transactions relating to XXXX. I asked him why that was not done last time in XXXX when this same exact thing happened. He said it was. I asked if it was done, then how was my money taken AGAIN. He said it was done this time by a call pre authorizing the transaction. I told him that was exactly how it was done last time as well. 
I entrust this financial institution to protect my money They have allowed my account to be accessed and all of my money taken twice within a 30 day period. They need to be held accountable for this Thank you in advance 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 monetary relief
Consumer complaint received 2021-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020, I opened a checking account with Suntrust ( now Truist ) at a branch location in XXXX, Georgia and deposited a check for {$2500.00} from XXXX XXXX, XXXX made out to me. 

On XX/XX/2020, I received confirmation that {$2500.00} was transferred from XXXX XXXX to my Suntrust account. 

On XX/XX/2020 I tried to check my account online but was denied access to the account. I called Suntrust and was informed that the money was debited and would be refunded to me 15 days after the account was closed. The customer service agent confirmed my address for the refund check. I did not receive a refund check within 15 days. 

On XX/XX/2020 I spoke with another Suntrust representative who told me the check was issued and sent to my residence but would not confirm the address. I did not receive the check. 

On XX/XX/2020 I met with a Suntrust XXXX XXXX ( XXXX, GA ) customer representative and inquired what was going on and how to recover the money. They now informed me that the account was closed due to fraud and that the money would only be released through " reclamation. '' They would not provide any reason as to why fraud was suspected. 

On XX/XX/2020, I spoke with XXXX in Suntrust 's Fraud Division. She was also unable to provide any information as to why my account was closed or where the money was. She then informed me that Suntrust would need to remit the funds to XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX ). She suggested that I contact XXXX XXXX and have them instruct XXXX XXXX to request a reclamation of the original check to speed up the process. She also stated that Suntrust was still investigating the account and could not provide a timeframe for resolution. I do not understand why Suntrust would freeze my account if they are still investigating potential fraud, as they claim, and have not made a determination that there is fraud. 

I spoke with XXXX and she requested XXXX XXXX request a reclamation. XXXX XXXX informed me that the reclamation was processed on XX/XX/2020. However, to this day, XXXX XXXX bank still has not received the money from Suntrust. To this day, I still do not have my {$2500.00} or any answers from Suntrust. 

I am a retiree and I am sorely disappointed in the lack of transparency and information about this process. As a retiree, I am living on a budget. While {$2500.00} may not be a large sum to many, it is a significant amount for someone in my position. 

I would like an answer and I would like my money back.

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 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion customer service would not help and take care of the negative inquiries reporting to my credit report. I have 10 hard inquiries I asked them to take care of and they FAILED to help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, TRANS UNION, XXXX XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
This account information is Inaccurate and need to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
They called my phone XXXX A day. My phone is ringing constantly with calls from Conns XXXX XXXX. They call from a different phone number everytime, never the same number twice. So that makes blocking the calls impossible. The area are always different, my phone tells me it ConnsXXXX everytime they call. They mail my letters and send me emails daily. 
Their calls are disruptive to my life. They wake up my XXXX and interfere with my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I bought my condo in XXXX and since then I have refinanced multiple times. During all my refinances I have never been required to purchase XXXX insurance. In XX/XX/XXXX, when a loan broker approached me for a refinance I informed them that I do not have XXXX insurance nor would I be purchasing it. They didn't seem to mind and indicated that they would go through the underwriting process and shop my loan. My loan closed in XX/XX/XXXX and since then the Mortgage Company has been harassing me to purchase XXXX insurance. I told them that from the beginning I told the broker I did not have such insurance nor would I purchase it. In XX/XX/XXXX, the Mortgage Company force placed the insurance and is now trying to collect payment from me. This is unbelievable since I let all parties involved from the beginning that I would not be purchasing it. I need this harassment to stop and to cancel the forceplaced insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got XXXX XX/XX/XXXX of 2020 I was released XX/XX/2020 for traffic tickets, as I was XXXX my information got stolen with my PIN number ID social security card and numerous of other things, when I was released XX/XX/2020 I called Wells Fargo they did it investigation and came back and said that I had something to do with it Huh?? When I was incarcerated at the time so in the midst of that I had insurance checks coming into my bank account direct deposit {$500.00} {$10000.00} {$1000.00} check that would come so one for {$500.00} went into my account and they told me that they're keeping the {$500.00} and there's nothing that i can do about it, I couldn't believe my ears and what I'm hearing.. They closed my {$500.00} secured credit card account as well as my checking and saving account and I don't think it's fair because I had nothing to do with this matter that occurred while I was XXXX so I need to know how do I go about this and take full legal action. My credit score is screwed all up I can't open up a bank account nowhere I'm stressed and feel emotionally discomfort and most of all confused and even hurt behind this allegation that put against me which is a lie..

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 2021-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a promotional mailing offering {$700.00} bonus for new-to-citibank customers to open an account Of {$50000.00}. You had to deposit {$50000.00} within 30 days. Maintain combined balance for 60 days. Cash bonus to be credited within 90 days. 
I deposited {$1000.00} to checking & {$49000.00} to savings on XX/XX/XXXX. I have not touched money since that point. On XX/XX/XXXX I received {$100.00} promotional rewards credit for referring a person to open an account. 
As of this date I still have not received my {$700.00} initial bonus, XX/XX/XXXX. 
I made a call & spoke to XXXX XXXX on ~XX/XX/XXXX. She assured me it would be credited. 
I went in to XXXX XXXX NY office on XX/XX/XXXX & saw XXXX. She said back office is reviewing & would be resolved. I called XXXX again on XX/XX/XXXX. The {$700.00} has still not been credited. She said her branch office manager XXXX would contact back office & get back to me. 
I have not received a follow up call as of yet.

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 2021-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
Can you please put stop of this Zwicker & Associates, PC Attorney for Plaintiff and Debt collector their address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX their website Zwickerpc.com sued me at XXXX County, Florida for debt I do not owe for them. 
They dont have validation letter states I owe them. 
They dont have contract that I owe them. 

Again please help me how to put stop of this bully debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have many issues with the closed " XXXX XXXX XXXX Mastercard '' aka XXXX XXXX XXXX on all my credit Reports showing closed that reduced my credit score. 1..This card was a sears card and was transferred over to a shop your way mastercard from XX/XX/XXXX.when XXXX closed and went bankrupted. 2..I never asked for or applied for a shop your way card.When I called XXXX to ask to show proof or mail copies that i applied for this card, they said they cant provide that information to me. 3..After many disputes with CFPB, XXXX, equifax , XXXX , etc. , requsting to remove the tradeline on all credit reports, they sent a letter ( s ) dated XX/XX/XXXX citing " On XX/XX/XXXX, the XXXX Mastercard account ending in XXXX was converted to the Shop Your Way Mastercard account ending in XXXX. A Change in Terms notification was sent to you in XX/XX/XXXX, which communicated this transition. This was a business decision and there was no opt out option for our customers. Please accept this letter as confirmation that this was a change in the account number and available purchasing options, but it is not considered a new line of credit ''. 4..According to CFPB laws/rules and the FCRA act that protect consumers, I have the right to opt out of any change in terms.XXXX claims that was a buisness decision and there was no " opt out option ''. 5..XXXX claims they sent me the new terms but they didnt.They only produced the new terms when i disputed false information on my credit reports.When i called them to produce paperwork initially, again, they said they couldnt produce any information. 6..Because XXXX lying behavior.they claim they arent affliated with XX/XX/XXXX but indeed they are.Please see attached dispute responses from XXXX. 7..XXXX and XXXX credit card is/was XXXX and so is Shop Your Way mastercard. 8..On XXXX XXXX, i called citbank reference number XXXX, and XXXX cited '' We reviewed the call from XX/XX/XXXX, and confirmed that the agent provided incorrect information regarding the account closure. We have provided feedback to the agents manager. We regret any inconvenience this may have caused. Our goal is to serve our customers by providing superior service and products, and one of the best ways to achieve this goal is to receive feedback from our customers ''. 9..XXXX closed my account that i did not ask for 10..XXXX is lying This is reporting on all credit reports asXX/XX/XXXX Therefore, I did not request this credit card or ask for this credit card.I did not have the option of opting out per FCRA act.I did call and request information that XX/XX/XXXX would not produce. Im requesting that all information be thoroughly be investigated and not seen as a duplicate complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
Dear CFPB Team, I am complaining for mishandling my Property Tax payment by BSI Financial Services. 

BSI did not pay my property Taxes timely and when I got notice of Non Payment, I immediately shared the copy with them and they confirmed they will make the payment. After receiving further notices I started following up with them regularly and it took them 4-5 weeks for initiating payment as they lacked resources as per them. The payment was released late despite of me reminding them of last date and this their check was rejected and my taxes went to Tax Sale. After speaking to BSI customer service that I will make the payment to avoid reporting to my credit report and they will reimburse me they are completely non responsive to my claim and they are showing record that they have made the payment. I call them every week send them follow-up emails but they do not respond and customer service just takes information and dont do anything. 

I need help and guidance to resolve the issues and get my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed with Experian on inaccurate credit reporting on a chapter XXXX bankruptcy and a collection account with XXXXXX/XX/XXXX involving a XXXX insurance bill thats not mine since I had travelers insurance. Experian finally took off XXXX XX/XX/XXXX in XXXX XXXX then placed again in XX/XX/2020 without even sending me a written explanation as required by law within 5 days.XX/XX/XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXXhard inquiries are showing on my credit report and were not authorized. 
I sent multiple certified letters disputing and also froze my XXXX XXXX account. Experian says they used nexus lexis for verification, a third party, impossible since I froze account 1 year ago. I asked for proof, they didnt send me. I spoke to XXXX XXXX, ca bankruptcy court and they said they do not give out information to third parties. 
I filed a small claims court case on XX/XX/2020 against Experian and was told to call them and initiate arbitration. I have called several times to no avail. They say they dont have a legal department phone number and tell me to just mail to them.

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 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/21 On my XXXX XXXX account, my Transunion report was decreased by 13 points for a new credit inquiry. Unlike XX/XX/XXXXand XX/XX/XXXX Tranunion excessively decreased my score by 13 points. This is an over reach and is uncalled for. Please up date.

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 2021-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Paid off Amazon card and it has been closed and for over 6 months Ive continued paying and I just noticed that the balance is always different. Im beginning to think this is fraudulent.

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