vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ashton & Weinberg, Inc.
State: PA

Complaint narrative:
A year ago I dealt with a scammer that got me to open a bank account and then proceeded to try to commit fraud using my account. My account was locked and I notified the bank of the fraud but was told that I would have to wait for them to contact me. I started getting calls from a woman named XXXX XXXX who claimed that she was from the fraud prevention department of XXXX. I finally got the call from her instead of it going to voicemail on XX/XX/XXXX. She claimed that if I didn't pay them {$500.00} that they would press criminal charges and I would go to jail. So I ended up paying them using my rent money because I didn't want to go to jail for being duped by a stranger. Come to find out they were actually from a debt collection agency called Ashton and Weinburg Inc and not who they claimed at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
I told them that my husband just left me with all the bills. I am in debt and that I would pay them off within a couple of months, and they won't stop calling me on my cell and at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
On XXXX they had sent me my escrow analysis, when i had gotten it i had realized there was a {$460.00} overage i had called customer service plenty of times only to be told that they would adjust my account and call me back and no one ever follows up or ever calls me back. This is really very unprofessional and not wright i have even spoken to managers there who had promised to follow up with me only to be left hanging there. 

Bank is Flagstar Bank XXXX my loan file XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: LA

Complaint narrative:
My credit report with Equifax has not been updated since XX/XX/2018. This has caused me to be unable to apply for loans and have been unable to receive a decrease in insurance premiums. I have submitted my concerns to Equifax on numerous occasions ; the being in XX/XX/XXXX. They have only replied to me that I ha e multiple credit files that they are unable to merge. They further stated, in writing, they can not merge them due to the amount of data in each file. 
I have attached to this complaint my documentation to support my efforts to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WV

Complaint narrative:
Step 1 : What is this complaint about? 
In XX/XX/XXXX I contacted a company advertising Student Loan Forgiveness related to my School " XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, as well as my financial institution that provided my loan " XXXX ''. The contract agreement that was sign between XXXX XXXX XXXX and myself ( XXXX XXXX ) that depicted my XXXX loan, and multiple phone conversations all discussed my XXXX  loan. I was informed that I qualified for dept forgivness due to my current family size and income. It was a 1 year contract with a {$190.00} fee upfront and a $ XXXX/month maintenance fee for 1 fiscal year, at which point my remaining balance would be forgiven as agreement of contract. 

In XXXX of XXXX I found out that the loan that was purchased was my other student loan through XXXX. I found out that the loan was consolidated, which wasn't discussed with me at any point. Nelnet  is the company that currently holds the loan. I spoke with Nelnet about the situation. I was adivised by there fraud dept. to submit a fraudulent complaint about what had occured. XXXX ( the rep. that I spoke with ) stated that she would provide detailed information as to how to proceed with filing a complaint. 
No information was sent to me. 

I have made several attempts to contact the Dept. of Education, as well as left several voicemails. No return call as of yet. The DOE was ( whom to my knowledge of finding out ) the company that consolidated the loan for Nelnet. 

At NO point did I consent to this!!! 

I called and spoke with XXXX, the rep. XXXX advise that I call your department to file a complaint about the situation. He felt and I feel that this was done illegally by a third party company, and was not done so lawfully. 

I am still making attempts to get in contact with XXXX XXXX XXXX. I have called, text, emailed numerous times without any response ... 

I am still reaching out to all affiliates involved in the matter to learn as much as i can to get this situation fixed. 

Step 2 : What type of problem are you having? 
My other student loan was consolidated without my knowledge. 

Step 3 : What happened? 
Described above. 

Step 4 : What company is this complaint about? 
XXXX XXXX XXXX, Nelnet, Dept. of Education. 
XXXX XXXX XXXX XXXX this is the login portal page for the company. 

Step 5 : Who are the people involved? 
XXXX XXXX XXXX, XXXX XXXX XXXX, Nelnet, Dept. of Education, and myself. 

I have also reported these action to XXXX, I will be contact XXXX as well to disputer this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sarma
State: TX

Complaint narrative:
Sarma Collections Inc has a negative mark on my XXXX  credit report which is preventing me from acquiring new credit. I have sent a check for the full amount in promise for deletion yet account is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
I opened a new SunTrust Advantage Checking account under bonus offer XXXX on XX/XX/XXXX. As one of the requirements I had to fund the account with {$100.00} within 14 days. 
As I was traveling and not near a branch I used Suntrust 's web site to request an external transfer to fund my new account. 
THREE such requests ( one on XX/XX/XXXX, and two on XX/XX/XXXX ) were rejected/cancelled by Suntrust days after they'd been submitted. The fourth transfer request on XX/XX/XXXX ( on day 14 since account opening ) did finally go through and the funds arrived on XX/XX/XXXX. 
The external transfer system at Suntrust is clearly broken - so far only 2 out of 8 transfer requests I've submitted have been executed. 
It appears Suntrust is deliberately delaying processing and subsequently cancelling their customers ' external transfers so that they can run down the 14-day clock and claim that the account did not comply with the bonus offer requirement.

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 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial Partners
State: TX

Complaint narrative:
I received several messages from friends and family during early XX/XX/2019 that a company was trying to reach me about collections. On XX/XX/XXXX, I received the first phone call direct to me to discuss the collection. Upon verification of personal information, I was told that I had an outstanding debt of {$1300.00} with XXXX XXXX, and that they were trying to collect. In addition they noted that there were legal costs on top of that amount which they threatened to charge me with. I disputed that I had any debt balance with XXXX. I had a bank account there several years ago, and a 12-month loan which was paid in full and on time. 

They offered to send verification of the debt, but I only received a letter from the collection agency, with no backup of information received from XXXX XXXX. I called them again, and was told that they had no obligation to prove the debt I owed and that I had to reach out to XXXX XXXX to verify. I told them that I had no intention of taking their word for the debt and until they could offer proof, I was not going to pay the amount. The representative then asked why we were even on the phone, which I agreed with, and hung up. They called back again on XX/XX/XXXX, and I told them I was unavailable to speak with them. I have not heard from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RFNA, LP
State: SC

Complaint narrative:
Repeated calls to my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 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: CO

Complaint narrative:
I TRIED TO PAY A DEBT AT XXXX XXXX XXXX XXXX, MY CARD WOULDNT PROCESS THROUGH THEIR SYSTEM SO I WAS DIRECTED TO CALL THE CLIENT DIRECTLY TO PAY, IN WHICH I DID BUT WAS TOLD MY ACCOUNT WAS AT A XXXX BALANCE AS I WAS ON MEDICAID AND MEDICARE WHICH I TOLD THE COLLECTION AGENCY. I CALLED XXXX XXXX BACK AND ASKED THEM TO REMOVE AND 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 2019-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
Received a debt collection call and filed a complaint. The complaint is XXXX. On XX/XX/XXXX the response to the complaint was that they'd entered my number in error and apologized for any inconvenience. On XX/XX/XXXX at XXXX XXXX they called again!!! Evidently their solution to fix the problem was less than sincere. Please get them to stop and to mean it this time. Perhaps this lack of actual solutions is why they have 28,508 complaints on your database as of a few minutes ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
I am receiving repeated calls from a " processing center. '' The phone calls are abusive and threatening. The representatives threaten to " see you in court '' and " serve you with papers at your home or work '' this is regarding " two complaints '' they claim to have from HSBC Bank. They claim the complaints are regarding " breach of contract '' and " failure to pay ; '' However, as I stated previously all debt related to this account was discharged in bankruptcy in XXXX. I have told them repeatedly that the balance of HSBC account to which they are referring was discharged in bankruptcy. They will snidely reply " see you in court '' and/or " good luck in court '' and hang up the phone. These calls began in XX/XX/XXXX and have continued through XX/XX/XXXX. They even called and left three separate voicemails with my abusive ex husband which endangered my personal safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
On Friday XX/XX/19 it was brought to my attention on my credit report that my student loan balance went up from {$1000.00} to {$2400.00} without any notice or reason. On this same day i also noticed that my payments ( which i have not been delinquent on ) had increased from a monthly {$20.00} to  {$100.00} also without notice or reason. I attempted several times between Friday and now ( Thursday of the following week ) to get in touch with my loan service to no avail. My loan is Serviced by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: OH

Complaint narrative:
In late XX/XX/XXXX I got a letter in the mail to open account with them and get {$200.00} if I do a direct deposit and maintain a minimum balance. I had my check going into 2 banks already I added them in for {$200.00} to start with. It takes two 14day cycles to see your action. I month and a half I tried to log in and I could not because of the demands they ask to you put this and that before they will talk to you. With difficulty to get to talk to them or been able to log in. I was very much discouraged to make contact. Bank location was 10-15 miles from my home. I let it go since this account was meant to save only. I never withdrew any thing during its life. 

Some how I got into the account 2 months later and checked that the deposit was in. I increased to $ 1000+ a check. Then I left it alone till now when it has 32000 in it. When looked at it after that long they have charged me {$50.00} times 2 for low balance as maintenance fee when i did not have any activity in my account. I have never withdrawn from XX/XX/XXXX to XX/XX/XXXX. I asked them to at least refund my {$100.00} fee if they are not going to give me {$200.00} gift they were going to give. 

On XX/XX/XXXX I called and I was promised some one will call me back. I waited till Wednesday, Still no call back but I called they again took the message. Today XX/XX/XXXX, I called again and held on phone for 32 minutes and they still say that they cant help me. They call themselves privileged team for privileged accounts. 

I am going to the branch and close the account by XXXX today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: CO

Complaint narrative:
On two occasions, I transferred US cash funds from my checking account and/or savings account to a new product called, Online Savings Account, and my transferred funds were not available for 10 calndar days to two weeks. I contacted the Pentagon Federal Credit Union to make these funds available immediately and they refused to do so.

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 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There is a major issue with information on my credit report. My name is XXXX XXXX not XXXX XXXX which is a name that constantly keep showing up on my credit reports. I sent in a copy of my utility bill and my social security card showing my correct address which is XXXX XXXX XXXX, XXXX XXXX, Nv XXXX. Been here for quite sometime. I called the credit card companies and all those accounts are XXXX XXXX not XXXX XXXX with a address that do not belong to me that was opened online some time ago. I have disputed and this is my last attempt to remove this accounts for they belong to someone else. The XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Im assuming these accounts are connected to a bankruptcy that showed up on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
My loans were recently transferred from a previous service provider in order to facilitate the XXXX   XXXX. The date of transfer ( according to the previous provider ... since XXXX never contacted me during the process until after it was done ) was the day after my loan payment due date. I, of course, made my payment on time. When they finally showed as transferred and I set up my account online, my account showed as several weeks delinquent and my payment for this upcoming month as double ( which I can't afford ). I called immediately and submitted a request to reflect the previous payment on my account. Several days later, this has still not been fixed and my payment due date is looming closer. I have called again and submitted requests online to be contacted confirming that it is fixed. The people on the phone are seemingly helpful but also oblivious and I have yet to be contacted based on my online email requests. To be blunt, this is ridiculous and sure as heck not a good first impression. During my very fist call about this I was informed that this is a common problem. Two issues with that statement : 1 ) If it is so common, why is it taking so long to fix, and 2 ) If people know about it, why hasn't something been done to prevent it from occurring in the first  place. I will now be expecting both that the original problem is fixed, but also an apology with assurance that no issues will be handled like this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: NV

Complaint narrative:
I am an XXXX XXXX XXXX XXXX veteran, XXXX by XXXX currently providing XXXX XXXX and XXXX XXXX  to clients in part as a volunteer. As a result of my XXXX I work with XXXX XXXX to make up in productivity and performance what I have lost in part due to my XXXX. I have paid XXXX XXXX for more than 5 years through online compensation systems, including XXXX, XXXX XXXX, XXXX, and more recently Remitly. In the past 3 months, all of my financial transactions sending funds to the XXXX have been declined allegedly for security reasons while I am doing the same thing I have done for the last several years except a modest change in address in which all parties have been notified. I find this extremely challenging as well as frustrating especially when the entities with whom I interact at all of the above-referenced locations indicate that it is the US Government who requires them to conduct business in a certain manner, requires specific personal information about all parties including relationships, ways of meeting, personal or other interaction, services rendered, amounts and frequency paid, tax ID information and social security information relative to me and my business, dates of births and entity formation dates, number of entity associates, number of foreign associates/XXXX XXXX n the payroll, number of locations, my personal, physical location at time of money transfer and many other questions which seemed for the most part very intrusive and certainly if they were being asked by a local financial institution, would have been considered a violation of my rights to privacy among several other infractions which I would consider appropriate as part of this rather challenging process. Please help me to understand where the privacy line crosses national security or any other barrier when I am compelled to give to foreign nationals the same information to which I am told I have the right to remain private and further, why a notable law abiding US Citizen who held a secret clearance and understand something about national security or anyone else to do legal business in this arena and through the above mentioned entities would be subjected to this type of inquisition without being given a reasonable explanation in writing or some other recognized media other than being advised over the telephone by representatives of the above entities that the US government compelled receipt of the said information in order to transfer a fund by wire to an individual or entity outside of the US but more specifically the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America withholding substantial funds that are not owed to them and belong to me. 
Sent letter in XX/XX/2019 that they returned the funds but I do not have 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 monetary relief
Consumer complaint received 2019-03-07 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: FL

Complaint narrative:
We wrote a check for {$4000.00} 6 months ago from our Wells Fargo checking account to a business in XXXX XXXX FL, and sent it by US mail. A woman stole the check from the mail, and altered it adding her name to it, and she deposited it into her XXXX XXXX account in XXXX XXXX, FL using an ATM deposit as a method. 
The police identified her, arrested her for theft, and she pled guilty to theft, fraud and forgery of the document. She is now out on probation in fact with the State of Florida. 
To this day we have not been reimbursed our loss by our bank or XXXX XXXX. 
I have all documents to support my complaint.

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 2019-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: WI

Complaint narrative:
Banks website malfunction cause my checks to be sent into a wrong bank.

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