vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
T D Bank on XX/XX/18 had my account one pending for {$280.00} the next is was {$260.00} I had a check payable to XXXX XXXX XXXX for {$280.00} there was a deposit of {$300.00} showing when I left the bank the next hour it was {$260.00} then my account was drafted for {$35.00} then I call then the lady was rude on the phone after I ask all the questions to verify the account. Then I ask to speak to a manager and she got upset and lock my account. Call back and the bank said my account was lock. I went to a Branch to get it unlock which was time I had to do for no reason. Sat there for over 30 minutes to wait to be unlock. My account should had never been  lock. T D Bank has bad service to the customers. I want my {$35.00} dollars back and I notice I pay some bills by Debit and it takes sometimes 5 to 6 days to clear.It makes no sense some one pays on a date and its 5 or 6 days later before the money is paid by T D Bank. I dont like how I  was done considering the payment was pending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX took an unauthorized money {$540.00} onXX/XX/XXXX from my Checking Account No.XXXX  of Bank of America , which I never authorized. I never established any account with XXXX. I contacted Bank of American more than a dozen times. But Bank of America did not help me, while XXXX told me that your money is here with us. Ask your Bank ( BOA ) to file ACH or Charge Back to get your money back. XXXX  sent me emails the first one was on XX/XX/XXXX stating, " Please contact your bank immediately to report the unauthorized charges. Your bank will also tell you how you can be credit. '' Messages Date Subject Reply Status XX/XX/XXXX View read message Transaction reevaluated - unable to pay XX/XX/XXXXView read message Affidavit received regarding previous debit XX/XX/XXXX View read message Transaction reevaluated - unable to pay XX/XX/XXXX View read message Affidavit received regarding previous debit XX/XX/XXXX View read message Transaction reevaluated - unable to pay XX/XX/XXXX View read message Affidavit received regarding previous debit XX/XX/XXXX View read message Unable to pay claim - No error occurred XX/XX/XXXX View read message Important second request - Please complet required affidavit Online reply expired XX/XX/XXXX View read message Important - Please complete required affidavit Finally, XXXX issued a check to me which I deposited yesterday, XX/XX/XXXX.

I am officially filing this complaint against Bank of America, as BOA did not cooperate or helped me to get 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 2018-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Recently have tried to contact collection agency regarding debt.

XX/XX/XXXX andXX/XX/XXXX certified letters asking to show me how they own debt.

Can they prove i owe it. how can this be I live in California. They were unable to validate debt except give me a bill. I've tried to dispute with credit reporting agencies. they said it was verified. that cant be because i verified by certified mail and they could not. verify debt. I sent multiple certified letters because on the 3 different reporting agencies they are showing different names and addresses it has caused a lot of confusion.

I sent a second letter asking a second time to remove if unable to verify. they refused by sending me another bill.

XX/XX/XXXX after their response I sent another letter stating if they can not validate or furnish anything then to remove debt. they refuse. I tried calling the hospital,. they will not share any information with me due to hiipa they said.

Ive tried calling them even the statute of limitations have lapsed. but still refuse they sai it starts once they post on credit report. however they have removed it then have reposted to my credit report. its a game and very aggressive tactic.. Ive called them about this. Their response was telling me that they can renew it by giving it to another company.

THEY REFUSE TO DISCLOSE ANYTHING THEY HAVE CHANGED THEIR ADDRESS THEY CHANGE THEIR NAME AND DO THIS SO PEOPLE MAY NOT DISPUTE CORRECTLY. ARE THE LAWS NOT IN PLACE PROTECT CONSUMERS?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I talked with a representative for XXXX XXXX for my XXXX Store card and I was told I had to make equal payments on three phone purchases I made which made my minimum payment {$100.00}. I tried to dispute with them to lower the amount to {$51.00} as I been paying way over the minumum payment requirement to cover the phone purchase that had a balance of {$810.00}. The representative told me that I had the option to see the purchases, and the current balances on them and that I had the option to allocate the payments. This is incorrect, my billing statement and my account online does not have any of those balances visible, and no allocation options like my other cards from this provider. My XXXX store card let 's me see these balances and allows me to allocate but not the XXXX store one. I find this unfair as I have the dates of payments where I paid higher then the mentioned {$100.00} and payments that occurred twice in the same month.

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 2018-05-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I am constantly hounded by Ocwen. Even though I am 2 months behind on my payments ( {$850.00} per month ) due to a XXXX, I shouldn't be receiving past due notices for 4000 to 5000 dollars. My escrow account is up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: KS

Complaint narrative:
I was a victim of identity thief when my car was broken into in XXXX XXXX la. I have tried to submit the police report to XXXX and disputed through credit agency. When I call numbers for XXXX, companies have different names never the same. They are trying to sue me I have yet to receive any information from them other than courts. If they would talk with my and answer my disputes with request for information so that I can forward the police report this would be easier to handle. I dont know if this is a really company or scam. I need a correct number and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Around XX/XX/2007 my wife XXXX XXXX and I applied for a home mortgage from Wells Fargo Bank. Wells Fargo Bank in order for us to receive the loan with them required my wife and I to take a line of credit also.

Wells Fargo told my wife XXXX XXXX that in order to get the loan, the first loan on the house they were funding us for ( XXXX XXXX XXXX XXXX XXXX Ca ) we must take the line of creidit which will be like a second loan on the house.

Our mortgage with Wells Fargo would be conditioned, would only be granted if we took the line of credit - Were they ( Wells Fargo ) desirous of us using the line of credit and ultimately having to pay them interest fees on the line of credit?

I hypothesize so. Entrapment.

The issue is our home loan would only be granted if we agreed to their demand we take a line of credit.

The salesperson exploited my wife XXXX.

Evil. Evil. Give the customer the line of credit and hope they do not pay the full amount and charge them interest. Buyer beware indeed!!!!

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 2018-05-22 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK
State: NY

Complaint narrative:
This is the second complaint that I have made to the CFPB about Discover Student Loans and their refusal to work with my hardship. FOUR times in just the past month was I given the incorrect information on my account stating that I was past due when indeed I was not. I have tired tirelessly to reduce my monthly payment ... NOT DELAY OR CANCEL, but have gotten no help from discover. Therefore, I have decided to contact a NYS lawyer in hopes of filing a class action lawsuit against Discovers unfair collection process and lack of clear/consistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
We have been hooked into a mortgage scam. Wells Fargo Home Mortgage holds our mortgage. We have had a financial setback that has us working with their specialists. During this process they have allowed ALL of our personal financial information to be released to a scammer. We were contacted by a " XXXX XXXX  '' calling on a Wells Fargo number ( XXXX ) who told us that they were with underwriting and that we had been accepted for modification however we needed to immediately replenish our escrow account with a very specific {$1300.00}. They wanted it sent either by XXXX XXXX or XXXX immediately to a " XXXX XXXX XXXX '' supposedly a Wells Fargo attorney in XXXX. I also had to call back XXXX at XXXX. Some red flags were going up so I grilled him -- he had ALL of our personal information -- my wife 's full name, our social security numbers, loan amounts, addresses, etc. When I questioned why I was calling XXXX to send money to XXXX, he asked if I wanted him to call back on the Wells Fargo XXXX  number -- I said yes and he did.

Wells Fargo has negligently allowed all of our personal data to be acquired by these scammers. None of what they were saying was true.

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 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion Report # XXXX - XXXX As TransUnion stated XXXX XXXX XXXX XXXX XXXX- XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX Transunion stated Company obtained information from my credit file in connection with account review or other business solutions stated by TransUnion Except insurance companies have access. I did or do not owe any of these companies and these companies was put on in error in which they should not have been or showing in any kind of way after they was removed/deleted by no money owed in any way. My next issue with how transUnion likes to word things that does not apply tom the complaint as if I don't understand my rights. Transunion does not justify the companies listed nor can they furnish any documents or Papers stating or showing I owe or owed any of these companies in which was in error and Transunion has no right to leave them on my credit file. I'm not trying to hear only I can see it or an Insurance company can view it. My consumer rights have been violated by transunion. Futher more the companies need to be Deleted/removed.

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 2018-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Over Billing and Extracting False and Excessive Fees, Breach in Billing Practices : XX/XX/XXXX Return of Check Fee {$22.00} XX/XX/XXXX Return of Check Fee {$22.00} XX/XX/XXXX Return of Check Fee {$22.00} I NEVER made payments with a CHECK only online. The system kept refusing to allow auto payments even though the payment showed as accepted then days later the payment was refused and my account was charged {$22.00} Return of check when the payment was an online payment. There was no explanation for the payment to not go through because my bank account had more than enough money in it to pay the payment.

I have ALWAYS made my payments AHEAD of due date and paid " 3 '' times the minimum amount due!

Bank Statement XX/XX/XXXX - XX/XX/XXXX Charged {$250.00} for purchases that weren't purchases they were payments!

I called and spoke to 3 customer service representatives one of which was a manager and they all stated it is Citibank 's policy to charge a fee for setting of auto payments. I emailed the CEO XXXX XXXX in the month of XX/XX/XXXX and neither he nor any of his staff Ever responded.

.

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 2018-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
In XX/XX/2013 I was seen at XXXX XXXX  hospital ER in XXXX, Oregon one evening because I had a XXXX XXXX and couldnt XXXX XXXX XXXX. I was given XXXX XXXX and XXXX XXXX. I was diagnosed with an XXXX XXXX XXXX  and discharged that same day. My insuranced denied my claim stating I should have been seen by my primary care instead of ER but my symptoms were not extreme until after clinic hours. XXXX then billed me and contacted me by phone saying I had a bill and needed to make arrangements to pay. I explained that we were a family of XXXX without the ability to pay even with payments at that time. I did then ignore several phone calls made after the first 2 because they were just calling to collect what I didnt have. The claim was sent to collections after a few months and Im now being sued in small claims court by Ray Klein Inc dba XXXX XXXX XXXX! I contacted them to arrange a pay off to put on my already stretch credit card if they are will to settle on an amount and they will not budge a cent. I can arrange payments of {$100.00} but they said they will still pursue a judgement but not enforce unless I dont pay but a judgement will still ruin my credit. I have 1 week left to either pay off, request a hearing in small claims or except judgement .... I think a non profit hospital should have given me a break, they said they had tried so many times to contact me and I told them I spoke with them at the beginning but all they could offer was payments I couldnt afford at the Time. Ugh frustrating, I know nothing can be done with my case at this point but still writing this in hopes it wont happen to anyone else

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
I received a collection notice for the astronomical amount of {$3200.00} in insurance case where I was the victim from XXXX XXXX insurance and ANFI. I have filed a complaint with the state insurance office who regulates XXXX XXXX insurance and have a bill from XXXX XXXX and the car company thats says I owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
around XX/XX/2017, Bank of America closed my checking account and forfeited my account claiming that the money was not mine. Talked to the bank several times and they have declined to tell me what happened, with no cooperation form the 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
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
not mine no knowledge of i filed with the ftc about my id theft long time ago

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have contacted XXXX, Equifax, and XXXX several times via phone and online many occasion in regards to inquires that I did not authorize or was not familiar with. It makes it look like I have been begging for Credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have i inquires from places I didnt inquire Credit from. I have disputed and reached out to the bureaus several times and they say the same thing over, and over and sometimes they even hang up. The following inquires where not authorized are the following : XXXX XXXX XXXX, XXXX XXXX,XXXX XXXX/ XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have contacted XXXX, XXXX, and Experian several times via phone and online many occasion in regards to inquires that I did not authorize or was not familiar with. It makes it look like I have been begging for Credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have i inquires from places I didnt inquire Credit from. I have disputed and reached out to the bureaus several times and they say the same thing over, and over and sometimes they even hang up. The following inquires where not authorized are the following : XXXX XXXX XXXX, XXXX XXXX,XXXX XXXX/ XXXX XXXX  XXXX , XXXX XXXX  XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
I received a collection notice for the astronomical amount of {$3200.00} in insurance case where I was the victim from XXXX XXXX XXXX and XXXX. I have filed a complaint with the state insurance office who regulates XXXX XXXX XXXX  and have a bill from State Farm and the car company thats says I owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
MY name is XXXX XXXX I recently received a call from a blocked number from a female claiming that she is trying to deliver a package to My son XXXX XXXX. My phone number is XXXX. 
The female said the package needed a signature for delivery. 
I wrote the information down and sent a text to my XXXX XXXX XXXX. See attached. 
My son received the information and called them it turned out it was not a delivery service it was XXXX XXXX XXXX. They were trying to collect on a Wells Fargo account that is out of Statute! They also told my son that because he asked for a statemnt back in 2012 that it reactived the account and started the statute of limitations all over again

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