vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-14 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: TX

Complaint narrative:
On XX/XX/XXXX my father tried to send me money through Western Union in the amount of XXXX dollars. It was on hold ... then it was available. I went to XXXX 's in XXXX after XXXX XXXX CST ... to pick it up and Western Union reneged and put the transfer back on hold ... 

Today..My father went to go and get his refund ... the cashier at the XXXX XXXX in XXXX where he lives and they say there's no information ... meaning they are holding his cash! 

Western Union does not answer calls on their XXXX number ... they are of no help! 

My father has a XXXX XXXX and this whole ordeal is making him sick!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX while making a purchase at XXXX XXXX, I was given a receipt demonstrating that XXXX was providing services for $ XXXX/month. When I called to inquire the legitimacy of the amount for service, I was verbally told over the phone that yes service was {$19.00}. XXXX asked for my information including my social security and came to install their equipment the same week. 

The following month, I received a bill for {$56.00}, so I called and canceled because as a XXXX  I could not managed {$56.00} and plus they told me it was {$19.00}. So in view of their trickery and deceit, I canceled their service. Three month later, XXXX reported my name for owing them an amount of XXXX for early cancelation fee. First of all, I never signed a contract with XXXX so I was totally unaware of the terms of their service. So when I called to inform them that I was unaware of their terms and requested the contract, they forwarded the attachment document in ( EXIBIT A ). As soon as I receive the document, I realized that someone had forged my signature in their contract which I was seeing for the very first time. I do not sign that gibberish language on their contract. I always sign my name in cursive as you may see in my XXXX Lease Document ( EXHIBIT B ). Since then, I have gotten married but my signature style has not changed. I still sign my name the same way, simply in cursive writing. Please see ( EXHIBIT C / D ). 

In addition to forging my name, on XX/XX/XXXX ( 3 years from the date I last received service ). XXXX sold the debt to XXXX XXXX a new debt on my credit report. 

Please see attached : XXXX Contract with fraudulent signatures Apartment Lease with my Original Signature Drivers Liscence Signature / Social Security Signature Police Report of fraudulent signatures Than you in advance for investigating this matter.

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 2018-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient XXXX XXXX XXXX, reported late 90 day and 120 day late payments to all three credit reporting agencies, when I indeed was not late, my account was in deferment, on top I was never notified of any changes or payments needing to be made, spoke with Navient on numerous occasions. The representative told me if I went in deferment my credit would be updated and then my credit was never updated, they came back and said they couldn't. They are very rude and not helpful in resolving this issue at all. They do this to everyone, because they know people need student loans. This is not fair and invading rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Swe Homes LP
State: TX

Complaint narrative:
I am late on my payment this month and it is not even 30 days from my due date and you all are threatening to foreclose on my property already. I have not read anything in my loan agreement that says that. 
Last month I was late and you all gave me such a hard time. One guy tried to charge me {$200.00} more dollars on my late fees in addition to the {$140.00} dollars. I did not see that in my loan contract agreement. 
( I am writing this complaint because you all already foreclosed on two of my properties under the same exact conditions )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Checking account with Chase on Saturday, XX/XX/2018. I made a deposit of {$720.00} to open the account. I made a withdraw the same day of {$700.00} left only what was neede to open the account. XX/XX/2018 a deposit from XXXX XXXX account was posted {$310.00}. On XX/XX/2018 My account was closed due to the bank not being able to keep an account opened for me. At this point there is {$340.00} in the now closed bank account. I contacted the bank XX/XX/2018 to find out what was going on, they explained that the account was closed and that they will send a check 7 to 10 days from when the account was closed or approved for closure. Thursday XX/XX/2018 a check in the amount of {$25.00} came in the mail. I contacted Chase and asked about the {$310.00}? they then explained that they needed to verify the money was mine and then they will release a new check. I walked in to the bank Monday XX/XX/2018 to verify the money was mine. They said it is verified and now they will need to send a check. It is now XX/XX/2018 and I still have not received the {$310.00}. I called the bank several times and they say the money is approved, they just need to send the check, and that I will get a check when they get to it. No letters or emails where ever sent to me to let me know what was going on. I cant log on to my online account to see any statements or letters. Now my XXXX XXXX XXXX is going to be cut for lack of payment due to all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
My mortgage loan was sold from XXXX XXXX to Loancare starting XX/XX/18. I made XXXX 's payment with XXXX XXXX on XX/XX/XXXX which they state has been transferred over but Loancare still says they have not received that transfer. I have been going back and forth between both companies trying to figure out what I can do to resolve this issue. They both kept telling me not to worry because I have a 60 day grace period before the payment is actually considered late. I have 15 days left until that 60 days is up and neither company have resolved anything. I have sent proof of payment via e-mail and talked to a manager at Loancare. The last thing I was told to do from Loancare was to get a print out of my transaction with XXXX XXXX from my bank for the payment made on XX/XX/XXXX and then send that via e-mail. That has been done and I am now waiting on a response. I ended up making a mortgage payment for the month of XXXX as well as XXXX on XX/XX/18 because I don't want any payments to be late. I have now made 4 payments for 3 months. I took out roughly 3,500 out of my savings just to make these payments for XXXX and XXXX since nothing has been resolved regarding the payment I made for XXXX on XX/XX/XXXX. I have been dealing with this for about a month and a half now and have definitely been losing sleep over it because I feel like there is nothing I can do. My XXXX levels are at an all time high because I have been working on building my credit for a couple years now and would hate for a payment to be considered late which is why I ended up just making the two payments on XX/XX/18. All I want to do is make my mortgage payments on time which I am fully able to do. It should not be this hard and stressful to make a payment on time. Every time I call either company I am being treated like I am trying to get by with something and everyone keeps telling me to not worry about it and that it will get resolved. I am very disappointed that neither company can figure this out and that I feel like it is up to me to correct this issue that is between them. This is very discouraging considering this is my first house I have ever owned and finding out THIS is what I am going to have to deal with from now on. I have had to take time away from my job several times to sit on the phone with both companies on many different days. This has caused enormous stress in my life that is not deserved. I can't wait until this is figured out if it ever will be.

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 2018-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Got text message that number from XXXX and message show " Fr. : Chase. 

Your Online Access Has Been Suspended Due to Multiple IP Detection Follow to reactivate Immediately XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: Radius Global Solutions LLC
State: GA

Complaint narrative:
I have been a XXXX XXXX member since 2005. In an effort to eliminate debt I voluntarily placed my accounts with a debt management program. The debt management program did not make timely payments to all creditors. XXXX XXXX was one of those. XXXX XXXX removed itself from the program and I took over making the payments myself. I continue to receive statements from XXXX XXXX and make payments using the XXXX XXXX website and its auto pay feature. The current minimum payment is {$100.00}. I make monthly payments of {$240.00}. A review of my statements and credit report reveal that I have made no late payments, but my account has been placed with collections. I learned this information when I contacted XXXX XXXX to change my due date and was referred to a collection agency. I have not been able to contact a representative or department at either organization that can provide me with a reason the account has been forwarded to collections. Each time I contact either organization I am referred back to the other. 

I have copies of my statements and credit report that can be submitted, but the files are large. I can provide ALL documentation upon request.

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 2018-08-14 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: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX pulled my credit report without my authorization. My credit card account was also closed on XX/XX/XXXX due to inactivity. However, I used my card on XX/XX/XXXX prior to it being closed. I called the bank to address this discrepancy. Since it was less than a 30 day gap and because it was their error they would reactivate my account by XX/XX/XXXX and a replacement credit card would be issued because my card expired on XXXX/XXXX/XXXX. In this conversation I specifically asked how my credit report would be affected. They stated that my credit would not be affected in any way. I was told that everything on my account would remain the same with the original open 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 2018-08-14 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: GA

Complaint narrative:
My XXXX XXXX Visa payment history shows I was past due in XX/XX/2018. This is incorrect and have disputed successfully this issue with XXXX XXXX via CFPB ( see attached complaints letters ) who now alleges they submitted the request to you to update my credit report however this update has not been made. The XXXX  and XXXX reports have been updated to show no missed payments and a balance of XXXX. I have previously disputed this with Equifax however the dispute was not solved in my favor. Basically XXXX XXXX blames Equifax and Equifax blames XXXX XXXX. Meanwhile all creditors think I am delinquent because i did not pay XXXX $ which i did not owe for the month of XX/XX/XXXX. Please update my payment history to show my account closed in XX/XX/XXXX and delete the delinquency for the month of XXXX XXXX.Please do not close this complaint without remediating the information on my report and do not defer me to XXXX ( see attached complaint response letters from XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: MIDCOUNTRY FINANCIAL CORP
State: TN

Complaint narrative:
The attorney, XXXX XXXX, threaten me with lawsuit and stated that I do not pay my bills when I tried to give my bankruptcy attorney information. He hung up on me and when I called back, He would not give me his last name until I confronted how he was acting and this is not how an attorney is suppose to act nor say the words he was using to me. I stated that I wanted no contact written or oral from the XXXX XXXX XXXX and he said that he can contact me and I stated with the FDCPA, I am giving notice of no contact, he disagrees and again tried to belittle me because of filing chapter XXXX bankruptcy. At the beginning of call,. I was threaten to be sued and when he hung up on me and I called back the case now was in process of a lawsuit. How does that happen within minutes of a conversation? Very unprofessional and consumers should not be a threaten or belittled.

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 2018-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fulkerson Wing, P.C.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter from Fulkerson & Wing P.C. stating that I owed {$4700.00} to a 3rd party and I needed to submit payment. The letter was dated XX/XX/XXXX, with a postmark of XX/XX/XXXX. Included in the letter was a model petition to the court - an official looking document that, when combined with the text of the letter, comes across to me as a threat of legal action. I immediately called the firm and was told to send in my dispute via email and call back on Monday because the speaker was not in the office.

I feel that the letter text and inclusion of the model petition violates the The Fair Debt Collection Practices Act by deliberately attempting to intimidate and mislead the least sophisticated consumer. While the letter text is careful to not to directly say that firm is taking you to court, it does go to lengths to let you know what could happen if you are taken to court.

In my opinion, this tactic is a threat of a law suit that the firm has issued at a stage in the process where they have not collected enough information to determine if they intend to file a petition.

I am not certain if this constitutes a violation of the The Fair Debt Collection Practices Act, but I know it feels like a violation against my rights to not be threatened by an entity attempting to collect a debt.

Please find a copy of the letter and model petition attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
Ace cash express email stating that I was approved for 3,000-10,000 dollar loan, name XXXX XXXX XXXX loan code was XXXX XXXX, wanted me to give him my bank login info and password, I refused, he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
On XX/XX/2017. A check for a balance transfer was sent to citi bank XXXX XXXX. The check has been cashed and the debt was never cleared. XXXX XXXX has sent me to collections and called me over this balance. I have faxed numerous copies of the check to XXXX XXXX and my credit continues to take a hit.

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 2018-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I did a balance transfer with Capitol One. Capitol one completed the transfer on line electronically. The electronic check was made payable to, XXXX XXXX in the amount of XXXX dollars. The electronic check was cashed by, XXXX XXXX. My bill was never paid. Capitol One has the electronic check and sent me a copy. it is clearly payable to XXXX XXXX and endorsed by XXXX XXXX. To add insult to injury Capital One mailed me a letter on XX/XX/2018 stating, after researching your account we found the error may have occurred by your bank. Please contact bank. THEY ARE THE BANK. 
I have been trying to resolve this since XXXX. Capitol One is aware there was an error and my bill never paid. XXXX XXXX sent Capitol One a full refund of XXXX dollars on XX/XX/2018. Check number XXXX. 
Capitol One has not premitted me to speak with any one over the account supervisors. They will not provide me with any physical address so I may write a complaint. I have made about 40 telephone calls in effort to rectify this error. Capitol One refuses to set up XXXXthier a bill dispute, or fraud charge and is requiring me to pay the XXXX I DO NOT OWE ... until the investigation is complete. This investigation has been going on since XXXX. There is no one else I can speak with or write too. I do not know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have been a American Express member since 2005. In an effort to eliminate debt I voluntarily placed my accounts with a debt management program. The debt management program did not make timely payments to all creditors. American Express was one of those. American Express removed itself from the program and I took over making the payments myself. I continue to receive statements from American Express and make payments using the American Express website and its auto pay feature. The current minimum payment is {$100.00}. I make monthly payments of {$240.00}. A review of my statements and credit report reveal that I have made no late payments, but my account has been placed with collections. I learned this information when I contacted American Express to change my due date and was referred to a collection agency. I have not been able to contact a representative or department at either organization that can provide me with a reason the account has been forwarded to collections. Each time I contact either organization I am referred back to the other. 

I have copies of my statements and credit report that can be submitted, but the files are large. I can provide ALL documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
I noticed on my XX/XX/XXXX payment statement that I was being charged a total of {$100.00} simply identified as Attorney fees. I then checked previous payment statements and found that I was charged and had paid {$260.00} in XXXX, XXXX identified again as Attorney fees. I then called the Customer Solutions Department of Lakeview Loan Servicing , LLC. and notified them of the issue. They could not explain what the chargers were for or any notes relating to the charges. They said they would check, gave me a Ticket # and stated they would look into the matter and get back to me. I have since called their Customer Solutions Department 3 times since the initial contact on XX/XX/XXXX with no answer or explanation for the charges. " NO NOTES AS TO WHY THESE CHARGES EXIST ''. Now again on the XXXX payment statement they have once again charged {$35.00} fo " Attorny Fee Assessed ''. Also, I have always paid the Regular Monthly Payment within the 15 days of when the payment is due to avoid any additional charges. This seems to be a means for Lakeview creating a slush fund and I am sure that others must be being charged wrongly too.

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 2018-08-14 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX Compass Bankcard pulled my credit report without my authorization. My credit card account was also closed on XX/XX/XXXX due to inactivity. However, I used my card on XX/XX/XXXX prior to it being closed. I called the bank to address this discrepancy. Since it was less than a 30 day gap and because it was their error they would reactivate my account by XX/XX/XXXX and a replacement credit card would be issued because my card expired on XXXX/XXXX/XXXX. In this conversation I specifically asked how my credit report would be affected. They stated that my credit would not be affected in any way. I was told that everything on my account would remain the same with the original open date.

Company response to consumer: Closed with non-monetary relief