vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
I am not disputing the debt of XXXX dollars. I am however making a complaint on the collection reporting to my credit on a weekly basis with sometimes reporting it three or more times a week. Every time they report this debt my credit rating drops. They are treating it as a new debt every time they report. My understanding is that they can report and update on a monthly basis. XXXX  has refused to take this into account when I filed the original dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/2021, on my Paypal account, I received {$210.00} payment for the digital Item I am selling. Since my account is considered new for the first time payment received, I've waited for the 60 days holding period of my balance. I am not able to withdraw my money. Then, after that 60 days, I am still not able to withdraw my money in paypal. I sent the competed proof that transaction was completed and the buyer did not file a complaint for my sold digital Items and would not cause any chargeback to Paypal, but the Paypal permanently limit my account for 180 days. Please note that this time of pandemic a single cent is very important and I badly needed my hard earned money, that I think paypal should not hold it for another 180 days. 

Appreciate your help on this as really need to those money to pay may house rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: VA

Complaint narrative:
I received a collection notice from Synergetic Communications , Inc. stating that I owed {$7000.00} on an old credit card debt. They claim the current owner of the debt is XXXX XXXX XXXX XXXX The original debt was for much less than they are asking for and was paid off in 2008. I called the original lender and was told that it was a fraudulent collection attempt. They don't even do business with this collection agency. This debt is not owed and was never for this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I have a current mortgage application with Bank of America that is still being processed. This is the second application I have had with them this month alone because they cancelled my first one without notice. After discovering it was cancelled and calling everyone that I could they helped by putting in a new loan with an expedite on it. I spoke with the manager of the lending officer who admitted the loan was cancelled the first time due to an oversight by his lending officer. However, he promised that the expedite would get the loan through and we could close as close to the initial date as possible. It is now 3 days away from when we were supposed to be closing on the house and I can't get anyone at the bank to respond to my emails or phone calls. The only time I get a response is if I call them out on ignoring us and the response received is " we aren't ignoring you '' but nothing to actually address our concerns or questions. our appraisal was supposed to be completed on the XXXX of XXXX and we still haven't been told if this has actually taken place or not.

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 2021-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My WellsFargo business credit card was closed last night without sending me a notice at all in advance, I was just surprise when I tried using it. They say it was because of my poor credit history. I never late in this card, paid on time. But they did not even bother to give me notice of their decision to close it. My poor credit history is not because I do not pay, but because of the debt settlement and was being handled. I even have more than enough checking funds to cover the measly {$2500.00} credit they gave me. 

My only issue with them is the unfair treatment I received, because of the perception they think based on my credit score, but not based on my performance in how I pay their issued credit card to me and as a matter of fact I am excellent consumer, never late, nor missed a payment.

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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I called and reported that someone else had opened a checking account and savings account in my name to Wells Fargo and XXXX, com I told them that whoever it was had my address but added on their that it was a apartment wit the number XXXX. I do not live in a apartment nor have I opened up a checking and savings account with Wells Fargo or XXXX. I told them that this is fraud. I received the mail on XXXX XXXX saying to activate my debit card to Well Fargo and I called Wells Fargo on XXXX XXXX. I received the letter from XXXX on XX/XX/2021 and immediately called them and reported to them that this is fraud. I do not know if they had out any charges on either cards yet. But I wabted this stopped immediately.

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 2021-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Why are you disputing RESURGENT/LVNV FUNDING? 
Other reason Use this reason if none of the available dispute reasons describes your situation. To submit your dispute, you must enter an explanation that specifies why you believe the information is inaccurate. 

back button Reason and details Add a Comment Add more detail to your dispute109/210 characters LVNV never surrendered proof off fees and never sent any supporting legal documents with company letter head. 
back buttonReason and details Do you believe this information appearing on your Credit Report may be a result of identity theft? 

back buttonChange Dispute Reason If you believe that this information appears on your Credit Report as a result of identity theft, contact us by phone immediately. 
Report # : XXXX XXXX Mon - Fri : XXXX - XXXX back button Reason and details back buttonReason and details General Account Info Report Number : XXXX Date Generated : XXXX XXXX, XXXX Account NameRESURGENT/LVNV FUNDING Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1300.00} past due as of XXXX XXXX. 
Status UpdatedXX/XX/XXXX Balance {$1300.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$1300.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
I went to a seminar and thought I purchased a time share, I later realized what I had was a membership, not real estate. Even though the contract says membership, I was confused because of what the sales rep said, escrow is ownership. I went back to the office of XXXX ( XXXX XXXX XXXX XXXX ) in XXXX, CA. and saw one of the salesman who signed me up in the parking lot. I explained to him that I was confused with all the high pressure tag teaming, switching to managers and everybody shouting when new people signed up. He told me its basically impossible to get out of the loan and I should look into using the service. After, trying to book reservations on more than one occasion, I gave up. They said there would be no problem booking or getting reservations, that was not true. They promised FREE trip incentives that are impossible to book AND end up costing money if it is even available. They lied about the incentives to sweeten their deception. I have never used their services and I put my savings of {$1200.00} down. I was then and still am on social security XXXX so I dont have money to throw away to a company who was not truthful. XXXX XXXX XXXX XXXX has put {$7200.00} on my credit and now Monterey Financial Services is trying to collect. I called XXXX XXXX at Monterrey to get the agreement so I could later explain my complaint but he went straight in saying they are going to take legal action against me. The tactics they used were deceptive and misleading. Please help me resolve this issue as I a trying to get permanent housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Formal Complaint : Branch XXXX XXXX XXXX, XXXX XXXX, CA XXXX My wife and I went to the same Bank of the West branch office to open an account with the only purpose of receiving a Welcome bonus of {$250.00} each of us. Total of {$500.00} My wife opened an account in XX/XX/2020 using the code XXXX using a mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA Myself opened an account in XX/XX/2020 using the code XXXX using a mailing address of XXXX XXXX XXXX, XXXX XXXX, XXXX CA We have a proof of address letter from the Bank of the West. 
Now, I did not receive my Welcome Bonus. 
From the very beginning Manager XXXX, and XXXX knew this situation. That is why they let me open an account using a Welcome Bonus Code ( as stated the letter I provide ). 

I look forward to hearing from you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30 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:
There are 13 Accounts on my credit report that do not belong to me I have disputed this with the bureaus and furnishers and I am getting nothing back. I am spending so much time on these accounts and they dont even belong to me I am trying to see why nothing is being done for this. 

XXXX/XXXX  - XXXX - Amt {$1600.00} XXXX  XXXX XXXX - XXXX  - Amt {$4300.00} XXXX  XXXX XXXX - XXXX  - Amt {$5800.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$4200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2400.00} XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} XXXX XXXX - Acct # XXXX Amt {$26000.00} XXXX XXXX  XXXX/XXXX  - Acct # XXXX Amt {$590.00} XXXX XXXX XXXX - Acct # XXXX Amt {$870.00} XXXX XXXX XXXX - Acct # XXXX Amt {$3000.00} XXXX XXXX XXXX - Acct # XXXX Amt {$700.00} XXXX - ACCT # XXXX Amt {$3000.00} XXXX XXXX XXXX - ACCT # XXXX AMT {$10000.00}

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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have made a similar complaint another time. In XXXX of XXXX, someone stole my identity. They have opened an account through XXXX  that luckily I was able to close. I'm getting random calls about me applying for loans up to $ XXXX ... i went ahead and closed my bank ( citibank ) permanently all my accounts and they told me multiple times they were going to make it so I can't sign up for a account there at all. Although, I gave them the benefit of the doubt for the 4th time to do their part, I'm once again dissapointed. I got a letter from them today stating on XX/XX/XXXX, my account was overdrawn and now an account is open that i know nothin about and i refuse to pay money for something im not using. Can you please help me? When i called to talk to them they refused to help me at all ... when I told them they obviously don't care and aren't following through with what they told me multiple times. I told them they obviously aren't checking ID because if they did, he wouldn't have been able to open 3 accounts in 4 months. I don't know what else to do if the bank who is not doing their job refuses to help 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 2021-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: NC

Complaint narrative:
This company fraudulently put a medical Debt on my credit report that is not owed. The physician they have I havent even been to. I disputed it with XXXX  and asked for written validation of debt and none was provided and it is still on my credit report. I also have sent this company a certified letter to dispute debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
TCF Bank has charged me fraudulent NSF fees on my account. They claim that these fees were warranted because the account had insufficient funds. This is not true. The following transpired. 

On XX/XX/2021 there was a POSITIVE balance of : {$520.00} I then used my TCF Debit card ( 3 ) times that day for the following : {$29.00} Bal = {$490.00} {$12.00} Bal = {$480.00} {$8.00} Bal = {$470.00} Then, THE SAME DAY, XX/XX/2021 TCF claimed that there were not enough funds in the account and charged me ( 3 ) {$37.00} NSF Fees. Which resulted in a positive balance of {$360.00} I called TCF customer service, and they were no help. They did refund me {$56.00} of the NSF fees. However, NONE of those fees should have been charged. I then complained to the XXXX, and TCF claims that the fees are accurate. The fees ARE NOT accurate, because there were in fact funds in the account to cover those ( 3 ) transactions. TCF just settled with the government for their illegal fee charging. But it seems that they have not stopped doing it. 

I have attached documents which clearly show that there was enough money in the account at the time to cover these debits. Even if there was a " pending '' transaction, that transaction would not have posted, and therefore no NSF fee should have been incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are 13 Accounts on my credit report that do not belong to me I have disputed this with the bureaus and furnishers and I am getting nothing back. I am spending so much time on these accounts and they dont even belong to me I am trying to see why nothing is being done for this. 

XXXX/XXXX  - XXXX - Amt {$1600.00} XXXX  XXXX XXXX - XXXX  - Amt {$4300.00} XXXX  XXXX XXXX - XXXX  - Amt {$5800.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$4200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2400.00} XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} XXXX XXXX - Acct # XXXX Amt {$26000.00} XXXX XXXX  XXXX/XXXX  - Acct # XXXX Amt {$590.00} XXXX XXXX XXXX - Acct # XXXX Amt {$870.00} XXXX XXXX XXXX - Acct # XXXX Amt {$3000.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$700.00} XXXX - ACCT # XXXX Amt {$3000.00} XXXX XXXX XXXX  - ACCT # XXXX AMT {$10000.00}

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 2021-04-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 13 Accounts on my credit report that do not belong to me I have disputed this with the bureaus and furnishers and I am getting nothing back. I am spending so much time on these accounts and they dont even belong to me I am trying to see why nothing is being done for this. 

XXXX/XXXX  - XXXX - Amt {$1600.00} XXXX  XXXX XXXX - XXXX  - Amt {$4300.00} XXXX  XXXX XXXX - XXXX  - Amt {$5800.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2400.00} XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} XXXX  XXXX  - Acct # XXXX Amt {$26000.00} XXXX XXXX  XXXX/XXXX  - Acct # XXXX Amt {$590.00} XXXX XXXX XXXX - Acct # XXXX Amt {$870.00} XXXX XXXX XXXX - Acct # XXXX Amt {$3000.00} XXXX XXXX XXXX - Acct # XXXX Amt {$700.00} XXXX - ACCT # XXXX Amt {$3000.00} XXXX XXXX XXXX - ACCT # XXXX AMT {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Without my consent- my investor XXXX XXXX via Wells Fargo-enrolled me in a trial mortgage modification -adjusting the amount of funds applied to my mortgage. Instead of XXXX a month they changed my payment to XXXX  a month without my consent. I have no idea why they did this and what happened to my credit or the funds during the last four months. I pay my mortgage every month on time /I have no issue I did not need any assistance/ I did not ask for anything : and unsolicited and without my consent they did this. I never contacted them to request anything.

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 2021-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a checking account with Bank of America for 20 years. On this date, I had a bank balance of {$260.00}. 3 items were presented for payment, Item 1 was for XXXX, Item 2 was for {$75.00} and item 3 was for {$170.00}. Bank of America processed the {$270.00} item first which overdrew my account and then processed the {$170.00} and then the {$75.00} items which also created an overdrawn bank account. So, Bank of America charged me {$35.00} for each overdraft item or a total of {$100.00}. If they had processed the {$270.00} item last, then my account would have only been overdrawn once ( $ XXXX {$75.00} leaving {$180.00} and then processing the {$170.00} item leaving a balance of {$11.00} and finally processing the {$270.00} item which would overdraw my account ) This scenario would only cause 1 overdraft fee of {$35.00}. When I contacted the bank, they told me that the bank policy is that they process payments high to low. I said they should process low to high. The person told me she could not reverse the charges and when I asked to speak with a manager I was denied that option.

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 2021-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I purchased my home in 1999 for approximately {$120000.00} ( + rehabilitation amount ). 
My mortgage was transferred several times. After 22 years of paying my mortgage, Mr. Cooper is reporting my remaining mortgage to be in excess of {$120000.00}. That amount is incorrect!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: OR

Complaint narrative:
I received a letter in the mail ( date XX/XX/2021 ) from American Coradius International LLC ( ACI ), saying that I owed a debt to XXXX and they are collecting on that debt. 

I do not owe any money to XXXX. I do not know if my identity was stolen or fraud or what, but this is incorrect. After researching ACI a little more, apparently they use these same tactics on/with many others. 

I would like it stopped without having to contact them and reveal any more of my personal information to them, as is being requested in the letter I received. I do not trust that this is not a scam and do not wish to contact them in person by phone, email, website or any other way that would give them more information about me than they have already managed to get.

Company response to consumer: Closed with explanation