vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/18 I contact my XXXX XXXX account customer service dept because during the week prior I had transferred funds from my investment account into the cash account but those funds were not there. Rep instructed me to pay out of pocket and go home, get a confirmation number off my computer and call him back with it. Confirmation number didn't exist and was no where in my email or on anything I could access. 

XX/XX/18 Contact XXXX customer service again, funds still not available. Rep was very dismissive. Said he wasnt sure what my problem had been but he was able to complete the transfer. I should see it in 3-5 business days. 

XX/XX/18 Money still not there. I call again, and the rep ( XXXX I believe ) explains he's not seen this happen before but there is a pending transfer and he can't tell why it hasn't been completed. He takes my phone number and says he'll call me back when it is straightened out. 

XX/XX/18 XXXX finally calls back. I miss the call, call back and speak to another rep. She says it's been resolved and should be able to make the transfer online now. I'm concerned because I was told this before and it didn't work. I wasn't near my laptop and couldnt verify. Also irritated that I'm still waiting for my money and ask to speak to her supervisor. XXXX assures me it has been corrected and says she'll email the brokerage side and see if they can rush the transfer for me. I ask to be copied on the email and she refuses to do that. She tells me she will call me back with an answer later. She does call back, but leaves no explanation on my voicemail and I'm at work ( which I told her I would be and she should leave a message. ) Says she'll be gone in another 1/2 hour so I dont have time to return the call. I finally get to my laptop and try to make the transfer myself AGAIN and the online interface tells me it has not been scheduled. 

There are consequences for people like me when I don't have access to my money. I've been more than patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
I had a money market account with First Citizens Bank for over 14 years. This year I decided to move my money to an online account that paid a MUCH higher interest rate.

First Citizens was paying 0.05 %. The online bank was paying 1.85 %. I transfered money from First Citizens to XXXX XXXX in three separate transactions between XX/XX/XXXX and XX/XX/XXXX. XXXX had charged me {$3.00} per image fee so I left {$570.00} in the XXXX account to make sure I didn't close it owing them any money.

I opened my XX/XX/XXXX/XX/XX/XXXX bank statement. On an average balance of over {$31000.00}, they paid me {$1.00} interest. THEN they subtracted {$3.00} for what they called an image fee AND another {$10.00} service fee because my balance was now {$570.00}. This was the straw that broke the camel 's back and I went online and was told could close the account online. This was after bank hours either XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I was told to expect a check in about a week. On or about XX/XX/XXXX I called XXXX XXXX   and was told by a male employee ( did not get his name - was a very short XXXX  syllable name ) who said the account had been closed and to expect a check soon. I waited about a week and called the bank back. I was told this person no longer handled matters like this. I asked to speak to a bank manager who was no help. I looked online and found the home office - which I called. Again I was told the account had been closed and that the check was on its way. Again - no check. I called the home office again and spoke to XXXX  who said the account was just closed on XX/XX/XXXX and the check was mailed on XX/XX/XXXX and that I need to give it 7 to 10 business days to get here. XXXX said the information she gave me came from XXXX. A few days later - not being so trusting anymore - I called the home office again and spoke to XXXX who also said the account was closed on XX/XX/XXXX. Now at last, I was getting the same story twice in a row.

Now - I get my XX/XX/XXXX/XX/XX/XXXX statement. My account is now closed. It was closed before XX/XX/XXXX. There is a copy of a check made out to me in the amount of {$570.00} included in this statement. The date on this check is XX/XX/XXXX But how can this be? I was told the account wasn't closed until XX/XX/XXXX That was 45 days ago. I need your help - someone is giving me the run-around or so it would seem. Thank you for your help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Several months ago, I was deluged with phone calls from a company called XXXX as seen on my caller ID. They called both my land line and cell phone. On some occasions, the number had no identifier or was caller unknown. I did not answer these calls but went to a website that identified XXXX  as as debt collection agency. I knew I had no outstanding debts that had been turned over to a collection agency and have excellent credit. I put a credit freeze on my accounts after the XXXX debacle a year ago. On the website it showed a place where you could enter a phone number so as not to receive any further phone calls so I entered both my numbers. The site said I would receive further notifications by mail. On Friday, XX/XX/2018, I received an invoice from XXXX  representing XXXX XXXX XXXX XXXX XXXX for {$74000.00} in unpaid loans. I believe this is a scam as I have no unpaid college loans. Online resources stated that XXXX XXXX XXXX XXXX XXXX has had several class action lawsuits for falsely billing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: IN

Complaint narrative:
Identify theft report including a police report was sent to this company. This company refuses to correct the record causing i great financial harm. This company has continued to engage in Fraudulent reporting for almost a year. I have send numerous letters to this company yet they refuse to correct the record nor supply ANY shred of evidence of how they determined any of the accounts are valid.

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 2018-09-10 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XX/XX/2018 I received a call from an English speaking woman from Sears Mastercard fraud unit. She stated that suspicious activity was noticed and asked did I make charges in the amount of {$850.00} in Massachusetts at a XXXX XXXX XXXX XXXX and at a donut shop. I told her I live in XXXX XXXX and have never been to Massachusetts and never made the charges to my account. She said she would remove the charges and reissue me a new credit card and my account would not be charged. Today, XX/XX/XXXX I received a letter stating they had received a receipt and that they were rebilling my account and closing out their case. I signed the letter stating I did not make the charges and faxed back to them. I have talked to them several time on phone and I do not get anyone who speak good English. I did not make the charges and the receipt the store sent does not have my signature or name or anything just the last four digits of the card. Sears Fraud Unit is giving me the run around and I do not feel they have investigated. They have just rebilled me. What do I do next. I do not think they are doing this legally and I always pay my bills on time. I have always paid my Sears out in one or two months. If I had made a purchase I would have paid for it. It looks like someone purchased 3 gift cards and how can someone use a credit number and no card at a donut shop. They have been very rude on the phone and there is a great communication problem. I believe a new company must be taking over Sears accounts because this has not happened to me before. Do I contact Attorney General, get a lawyer and start a class action suit? I do not believe they are going by the law. It seems Sears is closing and they must be selling all their accounts to a foreign company. They do not understand English and many have been inpatient and rude and they don't seem to know what is going on.

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 2018-09-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I opened a automatically renewable CD account with XXXX XXXX, My initial deposit was {$5000.00}. I was told by ms. XXXX XXXX ( financial specialist ) that my CD would auto renew at each maturity date, and there would be no need for me to do any mantainence, So i made the deposit and left it there, because it was for my grandsons college fund. XXXX merged with Wells Fargo in XX/XX/XXXX, and i just assumed my account would be transfered over with no problem. 
On XX/XX/XXXX I went to Wells Fargo with my receipt of deposit and all the paperwork that was given to me at the time of deposit, only to be told that they had no record of my account, there was no record of deposit or withdrawal, so they said that they would investigate, and after about 4 weeks of contacting the bank for updates they finally told me that the account was purged from their system, so they said that the account must have been closed out, I asked them by whom, and they said that they have no idea, I know I didn't close the account. so I feel they owe me a better explanation as to what happened to my 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 2018-09-10 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: IN

Complaint narrative:
Identify theft report including a police report was sent to this company. This company refuses to correct the record causing i great financial harm. This company has continued to engage in Fraudulent reporting for almost a year. I have send numerous letters to this company yet they refuse to correct the record nor supply ANY shred of evidence of how they determined any of the accounts are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: TX

Complaint narrative:
This company is calling my work and I wish them only to contact me via personal cell phone or mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I called Mr. Cooper and spoke to a representative in the collection/loss mitigation department and made payment arrangements to pay my past due. He told me to pay 2 pays and rest would be divided into 4 payments, I asked him how I should pay, he said to wait until I get a letter of confirmation of the arrangement and go online and make payment, he said wait around 10 days. So I waited, and didn't receive anything in the mail, so I tried to make a payment online but it would not take it. I called on XX/XX/XXXX, Mr. Cooper office was closed, then I called on XXXX and was told I didn't have a payment plan and that my house is in foreclosure, the plan was not approved and it was denied, I asked to speak with a supervisor, so someone by the name of XXXX XXXX at the Loss Mitigation department manager called me, I explained the situation, also advise him I didn't get a call nor a letter stating that my payment plan was not approved, he agreed with what I said and said he will review the file and get back to me and even maybe he can put the plan back on the system and let me do it that way. He gave me his number and said he will call me back in 24 hours. Well a day passed and I didn't get a call and I called him and left detailed message, still didn't get call back, called again the next day, I left 3 message so far and no one has returned my call nor I have received anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
On XX/XX/2018 I received a promotional offer from XXXX XXXX XXXX whereby if I deposited {$10000.00} into my checking account I would receive a {$100.00} bonus on XX/XX/XXXX. 
I followed the instructions and deposited the {$10000.00} in my account, which remained there for over 90 days. 

I have yet to receive the {$100.00} from Charles Schwab despite numerous calls and requests. This is unacceptable as I could have earned more money putting these funds elsewhere, XXXX XXXX XXXX   can not simply go back on the terms of their agreement and fail to provide the promised bonus.

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 2018-09-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have graduated XX/XX/2017, I have been making my loan payments on time every month and have tried several times to lower my interest rate on my colleg loan or consolidate/refinance the loans so my payment will actually help lower my loans. I have been turned down every time due to the fact that my debt to income ratio is too low. How am I supposed to get these loans lowered when my monthly payment that I can afford is only going to the interest? My private student loan have now reached over {$120000.00} and I am only making {$15.00} an hour until I can get more experience in my field. My interest rates on my Discover private loans range from 5.615 % to 9 %. and XXXX XXXX is 6-9 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MSW Capital, LLC
State: VA

Complaint narrative:
XXXX signed up with XXXX XXXX changed mind on using they're services and spoke to loan company which informed me to notify school. Sent email and spoke to XXXX XXXX my program advisor. Never received bill or seen anything on credit stating that I owed assumed everything was handled as needed. Five years later receive a summons from lawyer XXXX XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX representing MSW LLC on XX/XX/XXXX. My paper work shows that XXXX XXXX sold loan to XXXX XXXX on XX/XX/XXXX then XXXX sold loan to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX file Chapter XXXX on XX/XX/XXXX per XXXX  and is no longer in business. XXXX  Attorney General also filed a suit against XXXX XXXX. Statue of limitations has ran out in XXXX  where debt was establish. My work, job etc. are all affiliated with XXXX but MSW LLC has filed in XXXX haven't lived there over 12 years. I have seek legal advise to have case dismissed due to lack of jurisdiction but the lawyer has been trying to submit debt without having me appear in court. Last document was sent to me by lawyer on XX/XX/XXXX stated order for judgement. Upon consideration of the Plaintiff 's Motion for Judgement, together with good cause shown and upon the failure of the defendant to properly answer Plaintiff 's Interrogatories in this proceeding, it is therefore, this __ day of XXXX XXXX, by the District Court for XXXX County ordered, that the Plaintiff 's motion for judgement be and is hereby Granted and it is further ordered that judgment be and is herby entered in favor of the Plaintiff and against defendant in the principal amount of XXXX, plus pre-judgment interest in the amount of XXXX plus court costs and post-judgement interest at the legal rate. No signature of Judge on bottom or dates in space. Court date XX/XX/XXXX at 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 explanation
Consumer complaint received 2018-09-10 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: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
XX/XX/XXXX and its also reporting as opened on XX/XX/XXXX first inaccuracy this account is paid and closed at a XXXX XXXX credit report says its deposit related while the other two says installment. the amount is {$250.00} again with a XXXX balance and closed i called the company but they refuse to remove the account or report as positive

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 2018-09-10 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: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have tried disputing with XXXX there is a mortgage loan of $ XXXX on my credit for a property in XXXX XXXX XXXX, California. I also called the mortgage company MR COOPER and notified them of probable fraud, I sent my an email with my license and social security card to prove my identity. I do not have a mortgage at all. And the mortgage company ignored me and proceeded to not help me at all. I cant even rent a home or buy because of this negligence to verify this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On Sunday, XX/XX/XXXX, Transunion XXXX XXXX XXXX, at the behest of XXXX XXXX XXXX, and in turn screening on behalf XXXX XXXX XXXX, fraudulently claimed to have run a background, credit, and civil judgment check on myself ( XXXX XXXX XXXX ) and my roommate ( XXXX XXXX XXXX ). This background check could not possibly have actually been made, because the result they obtained, and published to me, included a civil judgment against mefor {$5000.00} by XXXX XXXX XXXX XXXX which no longer exists. Any search of XXXX XXXX Illinois court records would subsequent to XX/XX/XXXX would have fail to show this case. In an XXXX action, XXXX XXXX XXXX XXXX ordered that XXXX judgment vacated and the record sealed, which was reflected in the record shortly thereafter. My examinations of the records as of XX/XX/XXXX confirmed this, as did XXXX, a clerk in the Circuit Court records office in an in-person visit that day. The Cook County Clerk can confirm this to you, as well. Logically, therefore, the only way that Transunion, and thus XXXX, and in turn XXXX, could have displayed such a judgment is to have re-copied a report run some time previously. The credit check charge was {$130.00}, plus a {$400.00} administrative fee which I was told would be refunded " immediately '', but now am told may take up to a month. This fraudulently-represented non-report has been costing me more than {$240.00} per day in time lost from work combined with continuing temporary housing expense. They have defamed my character. Several properties would like to rent to me now, based on no criminal history and adequate credit scores, but can not until such time as this situation is rectified. Both XXXX and Transunion and XXXX have the documents from me proving that this {$5000.00} settlement no longer exists, but do not as yet have an end date to remedy this. But meanwhile, I am technically homeless, my XXXX XXXX job made difficult, and XXXX 's fragile health is threatened.

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 2018-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
Called today with the name of XXXX XXXX at XXXX at XXXX XXXX I answered they hung up I called them back and the XXXX lady started trying to get me to give my personnel info to her before i could find out who she was and who she reprrnted. She finally said halstd financial in XXXX Il. then I asked in what is in reference too and she stated it was a bout a XXXX credit card and wanted me to pay in full today. I told her to send me somethng in writin gto valid the debt and she hung up on me

Company response to consumer: Closed with explanation