vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX I received a called saying they were going to served me, sees my accounts and sent me to court because I owed them money. At 1st I asked where he was calling, the acct # of my supposedly debt, the court case # etc.he didn't want to give me any info. 
Well we struggle for 30 kin until he finally told me the info. His name is XXXX XXXX, the number he used to called me is XXXX. He said his office is a para Legal name XXXX XXXX. He said in XXXX i closed an acct with XXXX  Bank and I never paid XXXX + another XXXX or more for court and attorneys fees. A lie since i never closed any account that I don't put in XXXX and to closed it you go to the bank. Anyway that account never existed. I don't have an account in that bank and that bank is closed long ago. He said the acct # XXXX # XXXX the case # XXXX. He threaten me to take me to court, froze my assets, called my HR department, froze all my bank accts until i pay. I told him i was going to called the police, which I did. I explain the situation, they told me its a scam and to anyway report it here and call my bank which is, by the way, Wells Fargo. They told me that acct number doesn't exist and no to worry. But I am worry. I work from bed, for myself. And I am surviving. I don't need this harassment. I have a XXXX XXXX. Can someone please tell me what else to do? 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 2018-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Portfolio # : XXXX MCM Account # : XXXX Document Types : chrgoff I sent a debt validation letter to XXXX XXXX on an account that was erroneous in nature. I have disputed this with all 3 credit bureaus. XXXX XXXX simply sent me a bill as validation of a debt. As the FCRA state clearly and case law validates, any company seeking to collect on an account must establish that the account is accurate and true in nature. A bill can not verify an account. They are refusing to remove this account from all three credit reporting bureaus in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 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 — Was not notified of investigation status or results
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
In XX/XX/2018, I submitted a dispute to Waypoint Resource Group regarding a derogatory entry they placed on my credit reports in XX/XX/2018, without providing me any dunning letter or notification that they were attempting to collect a debt. This entry is erroneous, inaccurate and should not be reflected on any of my reports. 

I have never did business with this company, nor have I signed any contracts with them. I am appalled to say the least that they would report that I had a term of 1 month with them being that I have never heard of them. Also, among the 2 bureaus they are reporting 2 different open dates. The Fair Credit Reporting Act states that any entry reflected on my credit reports should be 100 % accurate, verifiable and timely. This account is not. 

Certified and return receipt tracking ( see attached ), reflects that Waypoint received my letter of dispute ( see attached ) on XXXX. To date ( XXXX ), I have not received any correspondence from this company, yet as of XXXX ( when I retrieved a new credit report ), they are still reporting this erroneous entry. 

See attached letter dated XX/XX/2018, whereby, I explicitly stated to this company that I was disputing the validity of the alleged debt and I also sought validation. To no avail, as the company has not responded. 

Being that Waypoint Resource Group has blatantly refused to respond and provide documentation to validate the debt they are alleging is owed is grounds for IMMEDIATE DELETION OF THIS ACCOUNT ENTRY FROM MY CREDIT REPORTS! 

THIS COMPANY HAS HAD OVER 45 DAYS TO RESPOND AND HAS NOT! DELETE THIS ENTRY IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2018, I used my Bank of America Arizona XXXX card to pay for my car repairs to XXXX XXXX-they did not fix my car 's overheating problem that day on XX/XX/2018 or at any other time. XXXX XXXX charged me {$100.00}. After I paid $ XXXX and drove down the street, my car still over heated to the max. I drove back immediately to XXXX XXXX and complained to the owner that he did not fix the overheating in my car that I paid {$100.00} for on my Bank of America pre paid card for XXXX in Arizona. -and need to refund me now. Owner did not. This is consumer fraud by both XXXX XXXX XXXX and Bank of America. 
I filed a dispute with Bank of America right away. I got one opinion letter and a second from the car dealer upon trade in that my car was overheating XX/XX/2018 and faxed both to Bank of America disputes. 
All Bank of America disputes wanted was a second opinion letter. I faxed that letter and they received it. Bank of America said I had to wait 45 days.

Today, Bank of America on the phone told me, I have to have a letter from XXXX XXXX that my car was inspected. I would be charged again. Bank of America 's denial is an abuse of decretion, capricious and arbitrary.. Bank of America did not tell me that in the beginning. I traded my car in for it was inoperable and not safe. 
They are insured. I want my {$100.00} credited to my XXXX XXXX card now.

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 2018-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
I have a mortgage which was sold to sls. It was previously with XXXX XXXX XXXX as part of the XXXX deal. I have never had an escrow account as part of or terms of my mortgage. A year after it was sold to sls I received a letter telling me I was behind in my tax payments. I was not behind in tax or insurance. I am XXXX and am part of a tax freeze and reduction plan by the city of XXXX. I called and let them know that and I had a representative from the city send them a letter letting them know I was in the plan in good standing and not behind. The City even sent them the money they sent to pay my tax back to them. This has gone back and forward on the phone since XXXX. I have been asked to pay lump sums and then way more than I can afford each month. Finally i was told in XXXX that my loan to value was over 80 % sitting at a whopping 81 % and this is the new reason I am in an escrow account. I can't afford the extra payments each month that vary never the same. I would like my mortgage put back the way it was previous to the transfer. I think that it is a shame that they use 1 % ltv as a reason to keep me in an escrow account where there were no deliquencies. I have never been deliquent on my mortgage.

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 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Sunrise Credit Service is collecting for XXXX. When I first heard from them I asked them for information about whatever bill they were collecting for because I wasn't aware of any balance due. I asked them again and again for validation of the debt but their only focus was to collect the bill they claimed I owed. They hounded me and I caved in and paid when they said they wouldn't put it on my credit report if I paid it immediately. They put it on my credit report anyway and never would validate or clarify the debt.

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 2018-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Trying to help elderly father ( went through XXXX XXXX, had multiple XXXX, & early stages of XXXX ) get a handle on his finances ; doing so from Ohio. Approximately 1 year ago I was in Wisconsin and visited the bank so I could gain access to his accounts online from Ohio. At that time I was added as a signee to my father 's account as well as opening another checking account in my name. My father 's account has an over-draft line attached to his checking account. 

Approximately 4-6 months ago I noticed my father over-drafting his checking resulting in additional fees and increasing his over-draft line to the limit, which I was attempting to pay down. I called the bank representatives not less than 6-8 times trying to resolve the issue ; asking that the checking account decline any charges once dad 's account hit XXXX. Doing this would have allowed me to slowly pay down his over-draft line over time and help dad get a better hold on his spending. 

Fast forward to the end of XXXX ... my father over-drafted 5 transactions from to a Wisconsin business. Since the business tried to re-deposit the transactions multiple times it has caused bank over-draft fees of {$610.00}. The bank refunded {$77.00} ( {$7.00} per day over-drafted ) in fees. When I called and spoke to the manager asking for additional help ( since I had reached out months earlier looking for solutions only to be turned away ) her response to me was that's all she could do. As a follow-up I called the district manager to seek additional help. He told me that he would review with bank manager and get back to me the next day. 3 days later after not hearing back, I again called him back and left message. A few hours the same day I received a call back from the bank manager stating there is nothing further they can do to help, stating ; " if the bank refunded all the over-draft fees they would be out of business ''. 

Then on Saturday XX/XX/18 I received an over-night ( Sat delivery ) that the bank has closed the accounts ( accepting credits only ) and wants the over-draft protection line ( {$1000.00} balance ) paid off in 1 week 's time or they will send to collections. 

I'm trying to find out if I'm liable at all for the overdraft protection line since I'm a " signee '' on my father 's account. I would not think I'd be liable for those dollars. We're willing to work on paying the account off over time, but seeking help with some of the additional fees that were slapped on my father. He is on a fixed income of $ XXXX  monthly which obviously doesn't go very far.

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 2018-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/18 I took {$100.00} out of my US Bank account using my card ending in XXXX. When I arrived home I did not have the money in my pocket. I do not wear baggy/loose clothing and am very conscious of my possessions. I rarely loose anything. I thought for sure the machine sucked the money back in and that I would see an account credit. When I did not see an account credit after several days, on XX/XX/18 I went to the branch on where the ATM is located in a sheltered ( card required to enter ) entryway into the bank. The woman at the bank processed a dispute of the transaction and assured me they would investigate by looking at the ATM report and cameras, and provide me with the findings. The ATM is owned by a company separate from the bank. I received a letter dated XX/XX/18 saying that the claim was denied because " no errors occurred with your transaction ''. On XX/XX/XXXX another letter mailed to me saying I had duplicate disputes and my dispute was being withdrawn. After some infuriating calls with US Bank where I was bounced back and forth between customer service and the fraud dept. I filed a claim with the CFPB on XX/XX/XXXX. The claim was dismissed on the basis that the Bank still had time to investigate. I near the end of XXXX I received a very cryptic letter from US Bank stating that the " documents I requested are enclosed ''. What I received was an inscrutable ATM terminal log report laced with jargon. There were no findings of fact, there was no interpretation of the report, no mention of camera footage being reviewed, no indication that the ATM machine does or does not suck money back in. The elements of a normal determination were not present and I have no confidence in their " investigation ''. Surely this kind of absurdity is a violation of law or regulation. I want an answer of what happened to that money.

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 2018-08-20 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
This company is filing a delinquency report on my credit files in all three bureaus. - XXXX XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX This is in no way truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
XXXX initiated funds transfer upon account closure ( acct # XXXX ) to Barclays saving account # XXXX on XX/XX/2018. However, this account was closed on XX/XX/2018. Hence, as per Barclays, the incoming funds were rejected and sent back on XX/XX/2018 using tracing # XXXX via XXXX  XXXX XXXX, who acts as a clearing bank for XXXX 's bill pay service. 
Barclay 's proof of transmittal does not contain the account number where the funds were transferred to. Hence, XXXX XXXX XXXX is unable to locate the funds. 

XXXX  XXXX XXXX wants to know additional info or the account number where the funds were transferred to in order to locate the funds. XXXX wants Barclays to issue a recall notice to XXXX  XXXX XXXX so that funds get sent back to the issuer. 

Case # XXXX is open with Barclays for the past 6 months.

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 2018-08-20 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: CA

Complaint narrative:
Experian is reporting a fraudulent and negative account on my credit file that doesn't belong to me I have sent them all the documentation and police reports to have this removed and they have failed to correct this matter. it has been over thirty dys and they never informed me of the investigation results and as far as I know never researched it. I have submitted numerous written disputes via mail, online and via phone. I told this will be resolved and never has been after numerous months of working on this with them, they are the only credit agencu with this incorrect information appearing

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 2018-08-20 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: AR

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report immediately. Thank you. 

XXXX Account Number : XXXX XXXX Account Number : 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 2018-08-20 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XX/XX/18- XXXX XXXX in XXXX , OH charged my card for my stay. This charge was held in pending status for 5 days so I called the credit card company on XX/XX/18, XXXX XXXX, and asked why it wasn't posting to my account. I need the charge to post to my account so I can submit it to my company for reimbursement. The credit card company- Synchrony- told me that the expiration date was not correct on the charge the hotel made. Mind you, 1 ) the hotel got an approval code for the charge 2 ) I've been using this card with the old expiration date for at least two months and they never stopped the payment from processing before ( the new card has the same account and a new expiration date only- I didn't realize the hotel did not have the updated information because they charges kept going through ). They told me, and I quote, " this charge will never post. '' I was advised to contact the hotel and tell them to reverse the charge and resubmit it with the correct expiration date- which I did. The hotel immediately processed a credit ( on XX/XX/18 ) and submitted and a new charge. Immediately after that, Synchrony posted the original charge so now I have two on my account! I've sent three emails to Synchrony- the first one has the attached credit and new charge documentation from the hotel with it. Instead of realizing their own mistake, they are treating this as a disputed charge and holding my credit hostage for up to two billing cycles! I did what they asked, they did what they said they would not do ( post a charge that they said they could not accept ), and now my account is a mess and I can not use it. This is the card I use for travel with my company. I have to start using another card because this one is now maxed out due to their error.

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 2018-08-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
I wrote Moneygram in XXXX, MN. on XX/XX/2018. This concerned check No. XXXX, which was from a closed account at XXXX XXXX XXXX. In various e-mails with Moneygram, an e-mail from the Auditor, Resolution Assurance Dept. of Moneygram International on XX/XX/2018 advised they were working on obtaining a new check for me. However, I have e-mailed several times since, and have not had a reply or check delivered. 
This was their case # XXXX. 
Please see if you can have Moneygram issue me a new check. Thank you.

Company response to consumer: Closed with explanation