vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I can not believe that there are so many unethical people in XXXX company. Wells Fargo employees will come up with any lie they can to cover up their fraudulent activities. They prey on the accounts with low balances because those customers are more unlikely to have the resources or the time to fight back. Wells Fargo erroneously made an unauthorized payment from my account for {$270.00} when my balance was at {$9.00}. No payment should have been made and my account would still been in good standing. I specifically made certain that I had NO Over Draft protection connected to my checking account. Wells Fargo XXXX XXXX XXXX verified that I had gone into the branch and removed the OD protection from my account. Then she informed me that XXXX XXXX protection was XXXX. She used that word, XXXX. That I had no choice, I had to have OD protection on my accounts. I asked why the teller did not inform me of that and she had no answer. In the letter denying my complaint to CFPB, Wells Fargo states that my account DID NOT come with OD Protection and that I requested it. Will someone at Wells Fargo please stop covering your tracks with whatever lie you think fits at the time. People put money in your institution with trust that you will take care of it. That is your job. It is your job to ensure the safekeeping of your clients money. You duty is to ALL of your clients, even the ones with low balances. If XXXX bank employee does the right and ethical thing, do they lose their job? I was blown away by the sheer lack of customer care, concern or responsibility by any Wells Fargo employee that I spoke with regarding this issue. It was deny deny and lie. My credit is ruined by Wells Fargo because you did the wrong thing with MY money and Charged me for it. You immediately should have removed all of your bank fees including the ones that accrued when you told me my account was frozen and IT WAS NEVER frozen. You ruined my credit with your bank fees that you charged me for your error. You would rather lie and charge fraudulent fees than do the right thing. Charging fraudulent fees and lying about people 's money is financial fraud and every XXXX of those employees that lied to cover up your mistake should be barred from working in any financial field and yet it is a totally acceptable practice at Wells Fargo. At XXXX, when my balance is higher or lower I get a phone call and they tell me how my account should be adjusted so that I avoid unnecessary charges. That is how a bank is supposed to treat ALL of their customers and Wells Fargo, rather than looking out for their customers, is looking for ways to charge additional fees to their customers. Wells Fargo should have to make their money by banking, not by bank fraud. And the fines for fraud do not come close to the revenue from fraud, so they will keep on doing it at the expense of the customers who still trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
Diversified Consultants has fraudently reported a paid collection item in the amount of {$820.00} on my credit bureau reports ( XXXX, XXXX, XXXX ) for which it does not own. The account in question was an XXXX cellular account sold to XXXX for collection of payment. The payment was made on XX/XX/2016 to XXXX thus closing the account for payment in full with no credit reporting PERIOD .The fraudulent actions of Diversified Consultants include violations of the FCRA reporting a shadow debt it did not own and continuing to collect on by reporting to the credit bureaus. I have included for review a copy of the bank statement showing proof of payment to XXXX and letter of validation from XXXX acting on behalf of XXXX.If in fact Diversified Consultants owned the debt, collection and subsequent payment would have ceased or canceled due to transfer of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Capstone Funding Group, Inc.
State: MD

Complaint narrative:
RE : case # XXXX They have not responded to CFPB as of XX/XX/2017 The last I spoke the XXXX XXXX, he told me he could not help me or look at a modification unless, I gave him 3rd party consent to speak with our first mortgage company, I asked him why and he did not give an answer. XXXX is with Capstone funding group trying to foreclose on the 2nd mortgage. There is no legal fact that he needs to have authorization to speak with my first mortgage which is not foreclosing and is not represented by them.

Company response to consumer: Untimely response
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
I was contacted my a member of Richard Sokoloff 's office who threatened to sue me regarding XXXX outstanding debts ( less than a year old, less than {$300.00} each ). I was not notified via written mail details of the debts they were collecting to attempt, or over the phone. Due to the fact I was caught off guard by her phone call and scare tactics, I provided my credit card information to her over the phone. After researching the XXXX name, Richard Sokoloff, I realized that there are many outstanding complaints on him and that he was in fact censured and has been been disciplined by a state licensing authority. This office needs to be shut down, before more consumers are hurt and taken advantage of.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Opened a credit card account with Barclays Gold Card account. I am in the military and the original terms of the credit card included 0 % interest and waived annual account fee for the duration of my XXXX XXXX service. These terms were confirmed to me over the phone. The original XXXX term letter outlined waived transaction fees and 0 % APR for the duration of my service. The letter did not explicitly mention a waived account fee. I did not notice this since it was explained to me by a phone representative that the fee was waived for the duration of my XXXX XXXX service. 

Two weeks ago, I received a notice that the annual fee was no longer waived because it was discovered that I was XXXX XXXX prior to the opening of the account. This is false as Barclays knew my XXXX XXXX start date proceeded the account origination date as evidenced by the attached letters. 

The annual fee is {$990.00} which amounts to an insane APR of over 25 % even if I were to carry a balance of {$10000.00} for an entire year. 

I feel that the initial offer was duplicitous. I would have never opened this account if it were explained that the account fee waiver was temporary. Barclays advertised it as a permanent waiver and even confirmed this over the phone ; however, their term did not confirm this fact in writing nor did it state that the annual fee waiver was temporary. I made multiple purchases with this card under the impression that I would not be subjected to interest or annual fees - Barclays violated the good faith of this deal, and I 'm my opinion, committed promissory estoppel in doing so because my credit will be affected by closing the account in order to avoid huge fees.

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 2017-03-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Senex Services Corp.
State: NJ

Complaint narrative:
the collection agency calls me and just are nasty. they using profanity and threaten me stating I better pay my bill. I asked for a supervisor and instead they hang up on me. I know that for the time they are saying I owe I had health insurance. so I do n't know why I owe them money.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Streamline Recovery Inc
State: TX

Complaint narrative:
the original creditor stream elc account was and is part of a chapter XXXX bankruptcy they have sold the account to another Leander for the 3rd time XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I contacted XXXX today, XX/XX/2011, after repeated phone calls to myself ( sometimes multiple calls per day ) as well as to family members -- in order to request their address so I could send a registered-mail written request to cease & desist phone contact as well as to request a written notice of the debt. 

I was abruptly interrupted & asked if I was going to pay this debt. I responded that I was not going to have that conversation at this time & repeated my request. I was again interrupted & the agent began shouting at me, disregarding my request & asking me if I was going to pay the debt & why I was n't. I requested their address a third time & stated that I would be contacting the FTC, at which time the agent said she was transferring me to a manager. At this point I hung up & called FTC. 

The agent did tell me that the debt was in the amount of {$6800.00} / Chase Bank, which according to stale debt/time-barred legalities, exceeds the statute of limitations as this account was closed & has not been paid on for at least seven-years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The transactions for my account are being juggles around/change in order for overdraft fees can be applied to my account. I have attempted and made several request for the bank to process my transactions as they appear on my account. The bank is telling me that even though a transaction is pending it can be charged applicable overdraft fees ; however, the fees can not be charged if the transaction is pending.????? This as result is several unknown and unexpected fees. In fact, it appears as if the funds are being set aside for such charges to occur. I have been asked to hold all attachment until results of this complaint are received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Greenback Recovery Group, LLC
State: AZ

Complaint narrative:
This complaint concerns the actions of Greenback Recovery Group in an attempt to collect a debt. On XXXX/XXXX/16 I received a voice mail message from XXXX XXXX at GR Group. She identified herself as a " Senior Arbitrator '' in the legal division, and stated that she had received documents identifying me as the " primary Respondent ''. She proceeded to state that I had written " bad checks from a XXXX Bank checking account attached to a social security number ending in xxxx ''. She then threatened to " pursue charges under the Federal Bank Fraud Statute for XXXX XXXX, Arizona ''. On XXXX/XXXX/2016, I received another voicemail message from Greenback Recovery Group. This time, XXXX XXXX claimed that " this matter has been approved for suit for A XXXX XXXX filing to bring you up on XXXX separate charges for Theft by Deception, Breach of Contract, and Writing Bad Checks out of your XXXX XXXX Bank account ending attached to your social security number ending in XXXX, and I do have the full social ''. She stated she represented an unnamed attorney network. At no time during either of the messages on XXXX/XXXX/16 and XXXX/XXXX/16 did she identify herself as a debt collector. Additionally, I had not received any kind of written correspondence from the GR Group. I contacted my attorney, XXXX XXXX. They then provided me with a demand letter that failed to identify the current creditor. I have attached a copy of this letter, and I have XXXX voice mail messages saved. Not only have I been the victim of illegal collection practices under the FDCPA, but I believe GR Group has violated the Arizona XXXX. XXXX XXXX XXXX ( XXXX ), a person commits theft by extortion by knowingly obtaining or seeking to obtain property or services by means of a threat to accuse anyone of a crime or bring criminal charges against anyone. The use of the threat language to " bring charges '' for theft by deception, writing bad checks and violations of the Federal Bank Fraud Statute is a clear attempt to get me to pay on a claim for breach of contract, by putting me in fear of criminal prosecution. I have been very distraught over these threats. I believe my attorney is in contact with the XXXX office regarding GR Group 's violation of XXXX XXXX. The communications with Greenback Recovery group have been very threatening, and much of the language used, such as " Senior Arbitrator for the legal division '' and " approved for Suit '' seem intended to convey that the collection agency is a Law Firm. 

My attorney, XXXX XXXX, can be contacted at XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America charged an annual fee of {$79.00}. Although they were charging this fee for the first time ( they do n't charge it the first year to get people to sign up ) they would n't refund the fee even if the account was cancelled. They claim to have sent a notification email, however they made the subject of that email " Your Credit Card Legal Notices Are Now Available '' no mention of a fee. In fact, to see the details about the fee you 'd have to click on a link inside that email and be redirected to their website. Although the fee is for the coming year, 95 % of which is still unused, they refused to waive the fee, or even prorate it saying that once it 's charged they wo n't refund it. This is clearly predatory behavior aimed at bilking unsuspecting customers the vast majority of whom would n't even open an email with the subject line above.

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 2017-04-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
I pulled a copy of my credit reports and saw the Central Financial Control reported XXXX collections that does n't belong to me. I called to ask for validation of the debt in XX/XX/2017 and they got rude and refused to send it. I sent a certified letter to the company on XXXX XX/XX/2017 requesting validity of the debt and to cease and desist all credit reporting until the debt is validated. The company is still reporting the collection on my credit report and has not responded to my letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is my second complaint towards Bank of America because still to this day they still have not removed the Fraud Alert from XXXX. So basically to sum things up I was scammed in XX/XX/2015 and we all know being scammed is the worst feeling in the world and top it all off I lost out on a car and my bank account and to make it all worse Bank of America place a fraud alert on my social in XXXX. I just feel like they should have been a little bit more understanding towards the situation. I never withdrawed any money from the account so they didnt take a lost. After submitting this complaint I am going to follow up with a email to the CEO of Bank Of America, because not only can I not get another account with them but they black balled me so cant get an account with any other financial institution for the next 5 years I promise to never do business with them ever again I will never recommend their products or services to anyone as well. And to add Injury to insult they lied in the report that they submitted which I will upload which says that I withdrawed money from the account after the bogus check was deposited thats a lie im sure they have surveillance of each and everytime I entered the bank. They have to prove that without a doubt that I withdrawed this 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 non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My loans are with Navient. In XX/XX/XXXX I was " approved '' for a forbearance that I did not even apply for. The next month my payments went up by over 100 % and was told I had to pay it or be in default. Then they told me I had to reapply for the Income Based Repayment Plan ( which they never communicated with me in the first place ). I have now completed all the paper work for this plan. My primary concern is the forbearance that was given without my consent. I am not going to guess at their motives, but that seems to be something that would need my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax contains XXXX accounts with XXXX on my credit report that contains no data reported form XX/XX/XXXX thru XX/XX/XXXX. These accounts are labeled derogatory and or delinquent. I filed ChapterXXXX XX/XX/XXXX which included these XXXX accounts with account numbers XXXX ... and XXXX .... First, there should be payments provided from XX/XX/XXXX thru XX/XX/XXXX. These accounts are closed with {$0.00} balances. The Fair Credit Report States credit bureaus ca n't have negative accounts on a credit report for longer than 7 years. It Does Not State the accounts Must remain on the credit report for exactly and no later than 7 years. So basically, it 's up to Equifax here on how long these accounts will remain on my credit report. These accounts were originally opened in XX/XX/XXXX. I realize the accounts were updated XX/XX/XXXX. However, I had XXXX accounts with XXXX XXXX XXXX that were open I believe in XX/XX/XXXX and XX/XX/XXXX. These accounts were included in the Chapter XXXX XX/XX/XXXX. Well, I believe some time in XX/XX/XXXX, these XXXX accounts were removed from from credit reports. I never challenged the accounts. Equifax took it on their own to delete these accounts after only 4 years. The XXXX accounts have negatively affected my credit report for almost 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANCO POPULAR DE PUERTO RICO
State: UT

Complaint narrative:
I received a notice in the mail asking me to set up a pin for a credit card I did n't apply for or receive. I called and it was a very short message saying that I can validate the pin or request a new one. I ignored it. A few days later I received a credit card in the mail from Popular bank from XXXX XXXX. It was their XXXX Visa card. It had a limit of {$15000.00}. If someone was simply trying to steal my ID they would n't have sent the card to me so I then questioned whether Popular Bank was behind this or someone at their bank was doing this in the hope that I would validate the card and then use it. I called the bank on XX/XX/XXXX and they were evasive, they transferred me to their fraud department who said they would get back with me. Today is the XX/XX/XXXX, I have not heard anything so I called again. The customer care department wanted me to give them a lot of additional personal information, which I refused to do ( Birth date, full SS number, etc. ) I was transferred to the fraud department who claim the account has been canceled and I have n't received any response from them due to the large number of issues with which they are dealing. They said it would be 30 days. I really think something is going on with this bank that deserves your attention.

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 2017-01-20 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: MNE Services, Inc
State: IL

Complaint narrative:
I have been receiving harassing phone call reguarding filing a law suite against me for a PAYDAY LOAN. EVERY YEAR AROUND THIS TIME I START TO GET PHONE CALL THAT EVENTUALLY STOP. THIS YEAR THE PHONE CALL HAVE STARTED AGAIN AND HAS ESCULATED TO CALLING MY JOB WHICH I ASKED THEM TO NOT CALL MY JOB AND REMOVE MY NUMBER FROM THEIR REGISTER. I received a phone call at home from Compliant management solutions ref # XXXX at XXXX they caught me off guard and I gave them my debit card number to pay {$50.00} and they want to set up payment for XXXX/mo for 6 months. I went to the bank XXXX/XXXX/XXXX and cancelled that bank card because I realized that they were trying to scam me and I never took out a payday loan but once in XXXX for {$300.00} that I paid {$550.00} on XXXX XXXX XXXX to the attention of XXXX XXXX and XXXX XXXX who stated he was an attorney at XXXX after I had already paid the loan back through direct debit from my account. Since then I keep getting these same phone calls every year. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Jonathan C. Frank & Associates, LLC
State: UT

Complaint narrative:
Jonathan C. Frank & Associates identifies themselves as a law firm when they are just a debt collection company attempting to collect a past debt that was written off by the bank not only that they have called other members of my family stating they are a law firm with a case against me FRAUD this is a debt collection agency

Company response to consumer: Closed with explanation