vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
an unauthorized transaction appears on on my saving account, but i did not lose your card, security code, or PIN or had any of them stolen, i contacted Wells Fargo bank straight away and they told me that they were to investigate and get back to me. 5 days passed and I talk to a banker at my local branch and was told my case was dismissed and was denied as theft their for any money taken from my account wasnt refunded even though I have never reported any theft to any of my accounts. Nothing was return to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/18 I submitted a transfer for Bill Pay through Western union at a XXXX Kiosk for {$200.00} and wanted it sent urgent for an additional amount of {$9.00}. I paid cash and was given a receipt for the transaction and a tracking number. A few days later I realized the payment never posted and when I checked the status online my payment was placed on hold and I was to contact Western Union customer service. I was told to return to XXXX to have them call as well, then told to wait 48 hours. After 48 hours I returned and was told to wait another 48 hours for a full refund. During that time I filed a complaint via email to western union and was told I could return to the store to have XXXX refund me. Once again this did not work. Somehow there is a breakdown between the 2 companies. Western union claims XXXX owes me and XXXX is saying Western Union needs to provide a tracking number so that I can get a refund. The money was sent from XXXX so the mistake appears to be on Western Unions end but they have not budged and I keep getting the run around as they investigate then prematurely tell me to return to XXXX for a refund. It has been 5 days since I initially contacted them for a refund and was given a case number. I was finally able to find a member for the corporate office and spoke with someone who is forwarding my case. I should hear from someone in about 2 business days which since its Friday, means at least another 4 days before I can get my money back. Considering the run around I've been given all week, I'm not hopeful corporate can help me because they still have to contact the same people who investigated in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
Hi, I used to have a joint account with XXXX XXXX and didn't get to use it much but after moving to a new apartment, I noticed that the account has been closed due to negative balance. I do lot recall using that scout for anything, so I called the customer service abs went over the detail. She told me that the fund in the account was low but still positive, but the scheduled maintenance fee kicked in and after that, the account went negative and triggered fee daily for a month or 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 2018-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I opened Citibank Account Package on XX/XX/2018 by clicking their bonus link ( attached 1 ). The offer stated to Receive a sign up bonus of {$300.00} when you open a new Citibank Account Package and transfer {$15000.00} to the new checking account within 30 days and maintain for 60 days. The bonus should be posted within another 90 days. 

I confirmed the bonus term with chatting onXX/XX/2018 ( attached 2 ), and completed the transfer on XX/XX/2018 ( attached 3 ). I confirmed that I met the requirement by calling Citibank on XX/XX/XXXX, and was told the bonus will be posted by XXXX ( confirmation code XXXX ). But I received 3 emails on XX/XX/XXXX, XXXX, and XXXX from Citi, saying I enrolled in Citibank {$50.00} to {$700.00} Checking Offer ( " Offer '' ), but have not fulfilled the Offer 's required activities for the following reason : The offer requirements were not completed within offer period. 

I XXXX  this different offer ( attached 4 ). Apparently, this is not the offer I signed up, and the system messed up with my offer and this offer, and determined not to post the bonus. Theres even no explanation on which requirements were not completed. 

I chatted online with a Citibank agent, XXXX on XXXX ( attached 5 ). Initially he admitted that I met the requirement of {$300.00} and he will find out why its not posted. When I told him about the email regarding a different offer, he said they are the same offer. But he could not explain which requirements were not completed. He said he will ask someone to look into this and reply me within 7 days ( Citibank Service Request # XXXX, Reference : XXXX ). 

Now its been half a year since the transfer of the money, and 10 days since I last contact with Citi. No bonus posted, no reply, no explanation. 

Please Citibank, honor the offer you provided. 

Thanks,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I submitted letters to all three credit bureaus ( XXXX, XXXX, and Experian. I sent all letters certified and confirmed all received by the bureaus. I submitted a dispute to have all 5 XXXX XXXX XXXX accounts removed from my credit report as well as the US Bnkpt CT FL-XXXX account as they do not belong to me and should not be on my credit report. I received a response from Experian on XX/XX/2018 with confirmation that 4 of the 5 accounts were deleted. I was some what pleased because none of these accounts belong to me and so far 4 of the 6 have been identified as it not and being deleted. As of today XX/XX/2018 All three reports including Experian are still showing all of the accounts on my report and none deleted. Experian mailed me the first response saying this has been deleted but it is still showing on all three credit reports.

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 2018-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX  isnt doing a proper investigation for accuracy because XXXX XXXX XXXX  have inaccurate information and also I ask XXXX XXXX XXXX states they have ownership the account when I ask them for proof from the original creditor of the debt, license to collect, a contract stating that I owe them with my signature they failed to respond to my Letter that was send to them certified mail and is was notarized. The credit bureau ( XXXX  ) are violating the FCRA ( They refuse to correct information after being provided proof of inaccuracy ), Failing to respond to your written disputes within 30 days ( a 15 day extension may be granted if they receive the information from the creditor within the first 30 days ) .and XXXX XXXX XXXX   is violating the law by ( They fail to report a disputed debt to the credit bureaus ) thats FDCPA, ( They have not validated your debt and they still continue to report to the credit bureaus ) thats FDCPA , ( They Re-Age your account by reporting the date of the last activity instead of the date of the first delinquency ) thats FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
CMRE Financial continually leaves me voicemails from numerous phone numbers. The voicemail says " This is CMRE Financial contacting XXXX XXXX, if you are not XXXX XXXX .... ''. When I call them back to tell them " this number is not XXXX XXXX 's phone number, never has been and our divorce was final 2 years ago '', they respond with " we're not calling for XXXX XXXX, we're calling for you, XXXX XXXX ''. 

CMRE Phone Numbers I have had to block in my phone : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: UNITED BANKSHARES, INC.
State: CA

Complaint narrative:
- We put down {$99.00} earnest money and $ XXXX  towards structural changes ( 20 % of the structural changes ) on a new build on XX/XX/2018 - We were reassured over and over again by XXXX XXXX  ( builder 's ) realtor that this was all at no risk. If we did not receive orders from the Military to VA, we would get all of our money back. My sister and husband were both present for this talk -We trusted our realtor XXXX XXXX  to double check that contingency, he did not, so it is not in the paperwork.

-However, we have on the contract that we will be using a VA loan. The VA will not approve a loan for a home that you can not physically occupy for a required amount of time -We were pre approved using their preferred lender at the end of XX/XX/XXXX

-XX/XX/XXXXwe supplied our VA info for eligibility -XX/XX/XXXXwe received notice that our VA eligibility was $ XXXX  less than expected because we had a previous VA compromise sale -We were told at the time of our compromise sale that it would not effect our eligibility. That info was obviously incorrect.

-We are now being asked to either switch to an FHA for closing with {$24000.00}, or bring $ XXXX to the table upon closing for a VA. Neither of which we agreed to.

We now have TWO strikes. We can not come up with the $ XXXX   they're requiring from us, and we do not want an FHA. We also do NOT have current orders to VA. We will receive hard orders in the next few weeks ( possibly not until XX/XX/XXXX ). They will show a detachment date ofXX/XX/XXXX from our current command, and an attachment date to the XXXX XXXX Virginia command in most likely XX/XX/XXXX or possible XX/XX/XXXX, or XX/XX/XXXX. But al of this can change.

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 2018-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX sold my loan to The Money Source XXXX with XXXX  acting as nominee for XXXX XXXX XXXX. The assignment of my mortgage validating the sale of my loan and ownership was signed by XXXX XXXX assistant secretary of XXXX and notarized by XXXX XXXX. The assignment of my mortgage states XXXX XXXX appeared before XXXX XXXX, known to be the assistant secretary of XXXX  which is a fraudulent statement. XXXX XXXX is the Vice President - Legal and Compliance at The Money Source XXXXXXXX and XXXX XXXX  is the receptionist for The Money Source XXXX  The transfer of my mortgage was done fraudulently and The Money Source XXXX has no legal ground to foreclose or take my home when the assignment used to acquire my property was not done according to federal regulations. The Money Source should be sued and fined for the mishandling of my mortgage and I'm sure many others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Trans Union received a letter from me on XX/XX/XXXX. In my letter, I had requested that they investigate accounts that were reporting erroneous information on my credit profile. They were supposed to respond with the results within 30 days. I did not hear back from them in that time-frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I submitted letters to all three credit bureaus ( Transunion, XXXX, and XXXX. I sent all letters certified and confirmed all received by the bureaus. I submitted a dispute to have all 5 XXXX XXXX XXXX accounts removed from my credit report as well as the US Bnkpt CT FLXXXX account as they do not belong to me and should not be on my credit report. I received a response from XXXX on XX/XX/2018 with confirmation that 4 of the 5 accounts were deleted. I was some what pleased because none of these accounts belong to me and so far 4 of the 6 have been identified as it not and being deleted. As of today XX/XX/2018 All three reports including XXXX  are still showing all of the accounts on my report and none deleted. XXXX mailed me the first response saying this has been deleted but it is still showing on all three credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 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: FL

Complaint narrative:
On XX/XX/2018 I submitted letters to all three credit bureaus ( XXXX, Equifax, and XXXX. I sent all letters certified and confirmed all received by the bureaus. I submitted a dispute to have all 5 XXXX XXXX XXXX accounts removed from my credit report as well as the US Bnkpt CT FL-XXXX account as they do not belong to me and should not be on my credit report. I received a response from XXXX on XX/XX/2018 with confirmation that 4 of the 5 accounts were deleted. I was some what pleased because none of these accounts belong to me and so far 4 of the 6 have been identified as it not and being deleted. As of today XX/XX/2018 All three reports including XXXX are still showing all of the accounts on my report and none deleted. XXXX  mailed me the first response saying this has been deleted but it is still showing on all three credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Walwick, Inc
State: WA

Complaint narrative:
XX/XX/2018 - Received a call from XXXX XXXX XXXX. They wanted me to confirm my address and I refused. They rudely, repeatedly and forcefully insisted that I was obligated to confirm my address. I told them I would not give out personal information over the phone to someone who I did not know. I told them to send me a letter to the address they had on file & they could confirm it that way. They insisted that theyd already sent a letter but I hadnt received anything. I said they should send me something in writing and do not call me ever again. 

XX/XX/2018 - Received another call from XXXX XXXX XXXX. Same conversation : rude, forceful and repeated insistence that I confirm my address. They insisted I owed them a confirmation of my mailing address. I said dont call me anymore, send me something in writing if you have my address. I told them I would not give my personal information over the phone and I clearly stated Do not call me again. 

XX/XX/2018 - Received a letter from XXXX XXXX XXXX  stating that I owed {$7400.00} to a Mr. XXXX XXXX with " Inspiration and Results ''. ( I do not have a copy of this letter. ) XX/XX/2018 - Sent certified cease & desist letter to XXXX XXXX XXXX instructing them to stop contacting me. ( See attached for letter and confirmation of receipt. ) XX/XX/2018 - Sent certified letter to XXXX XXXX XXXX as follow up stating that I dispute the debt. ( See attached for letter and confirmation of receipt. ) XX/XX/2018 - Received another call from XXXX XXXX XXXX, similar in nature to the previous calls. I told them not to call me ever again. 

XX/XX/2018 - Received a letter from XXXX XXXX XXXX claiming that I now owed {$7600.00} ( see attached ) XX/XX/2018 XX/XX/2018 - Received a letter from XXXX XXXX XXXX claiming that I now owed {$7700.00} ( see attached )

Company response to consumer: Untimely response
Consumer complaint received 2018-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I XXXX XXXX received a letter of acceleration from wells fargo home mortgage on XXXX it is dated XXXX it identifies my loan number as XXXX. All previous statements identify my loan as XXXX my court case from XX/XX/XXXX at the us district court where I sued wells fargo home mortgage civil action number XXXX also verifies this XXXX as my loan number. wells fargo also sent this same letter with the new fraud account number to my wife who never received any statement in twenty years and is not on the loan!!! I am under chapter XXXX bankruptcy protection and not in default. My attorney is XXXX XXXX. I had the XXXX in XXXX so I couldnt appear and tried numerous times to have the case against wells fargo reinstated! Judge XXXX XXXX who is in with wells fargo forced my bankruptcy attorney XXXX XXXX into early retirement. He is trying to steal my house! The loan is BAD!!! It is NOT secured. The note has been separated from the deed and I have proof. My loan audits from the XXXX XXXX and from XXXX XXXX are available upon request. I am in Florida now caring for my ailing Mother since XXXX. Keep this in mind as if I reinstate the case in XXXX I'll need to obtain a lawyer. Otherwise maybe other arrangements could be made. I made my three trial payments for modification then they illegally forclosed twice before as XXXX XXXX saved my house by filing bankruptcy for me in XXXX and XXXX. I do not wish to pay good money after a mortgage fraud ridden loan! XXXX XXXX already gave the bank an order to cancel the bad loan as have I. your job is to force compliance. Being professional bank audit prooves fraud this case should be very easy! I never received any of the numerous wells fargo settlements I am entitled to as I have seen many articles stating I was due a payment. My bankruptcy case number is XXXX. Stop the sale of my house and cancel my bad loan. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXXXXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX  XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX XXXX Robo-Caller used by Portfolio Recovery XX/XX/2018 XXXX XXXX These are the ones that I didn't delete. They call several times per week with no one on the other end most of the time and no message. Prior to this, they have called members of my family and they have also threatened that they were sending a process server with the authorities. They use bullying and harassment tactics. The give personal information to family members that are not authorized to have it. They are breaking the law. 

Portfolio Recovery has been hounding and threatening me constantly for years. They need to be stopped and I want the old debts that they are chasing off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16 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: FL

Complaint narrative:
About 6 months ago I pulled my credit report and noticed numerous accounts on my credit report that I did not recognize. These accounts do not belong to me. I submitted letters to the credit bureaus and the creditors that appeared on my credit report requesting information that the accounts belonged to me when they were opened etc. No responses. I then started directly sending certified letters to all three credit bureaus advising that the information is not mine and requested it to removed and requested response from them. The accounts there were in question are ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX   The most recent letters that went out with no response was on XX/XX/2018. For Experian the tracking # is XXXX XXXX tracking # XXXX and XXXX tracking XXXX. In the letters that were sent, I advised that they have 30 days to respond or remove before I file a complaint. I received no response from any of the bureaus. I then submitted a second letter on XXXX tracking XXXX XXXX XXXX  tracking XXXX XXXX and Experian tracking : XXXX. To this day I have not received any responses from either of the 3 credit bureaus and these accounts remain on the credit report and negatively impacting my credit.

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