vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Coastal Credit, LLC
State: TX

Complaint narrative:
IN XX/XX/XXXX PURCHASED A VEHICLE WITH XXXX XX/XX/XXXX. I PURCHASED THE BEFORE I WENT ON XXXX WITH THE XXXX XXXX. WHILE XXXX WITH THE XXXX THE VEHICLE WAS REPOSED. I MADE SEVERAL ATTEMPTS TO MAKE ARRANGEMENTS WITH THE COMPANY WHEN I RETURNED FROM XXXX TO NO AVAIL. THE COMPANY REFUSED TO ACCEPT THE LAWS IN PLACE REGARDING XXXX XXXX PERSONNEL. THE VEHICLE WAS REPOSED IN XXXX AND THE COMPANY DID NOT SEND A LETTER OF ACCELERATION OR A PAYOFF AMOUNT. THE COMPANY ALSO NEGLECTED TO REPORT TO THE CREDIT BUREAU FOR A PERIOD OF 3 YEARS. IN XX/XX/XXXX THEY REPORTED THE REPO AS A NEW ACCOUNT DELINQUENCY, WICH HINDERED MY ABILITY TO REBUILD AS THE FCRA ALLOWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 at XXXX PDT, I went to the Chase Bank on XXXX XXXX XXXX , in XXXX , CA to withdraw cash from my checking account in which I had a balance of {$4000.00}.

When I arrived, there was only one ( 1 ) clerk, and at least 6 ATM machines inside of the branch. The clerk was busy waiting on another customer, so I decided to use the ATM machine inside of the branch at terminal XXXX which printed on the receipt. 

I input my debit card into the ATM machine and indicated that I wanted to withdraw {$2000.00} in a series of {$100.00} bills. 

The ATM machine informed me on the screen that it was getting ready to dispense my cash, proceeded to make several noises and sounds as if it was dispensing my cash, but the cash never came out of the machine. ( I was shocked and baffled ). 

The ATM machine, then printed out a receipt telling me that there was an error with the machine and that the transaction " could not '' not be completed to contact customer service. 

I approached the clerk, told her what had just happened. She proceeded to ask me for my debit card. 

I told her that I wanted to withdraw {$2000.00} from my checking account and she then informs me that there was not enough money in my account, and printed a receipt that showed that I only had {$1600.00} in my account. ( Again, I was shocked and baffled, because she was disregarding what I had just explained to her ). 

The clerk then told me that the {$2000.00} from the ATM had been deducted from my account balance of which I had already informed her of that. 

She then told me that I would have to wait until another clerk in private offices would be able to assist me and that there were three ( 3 ) customers ahead of me, and that their system was down.

I waited at least 40 minutes and while waiting called Chase Bank customer service to file a claim and then left the bank. 

Several days afterward and to no avail Chase informed me that they would take 10 days to investigate my claim and that my account could not be credited a temporary credit until after 10 days. 

The following week, l received a temporary credit of {$2000.00} back to my account only for it to be reversed a few days later because Chase told me that they had investigated and found no fault with their ATM machine. 

That's a XXXX XXXX XXXXXXXX! They have robbed me and longtime customer.

In addition, I had a balance of {$570.00} in my account in which Chase " did not '' let me withdraw and placed a hold on my account which has now made my account " negative '' in the amount of {$1400.00}. 

Lastly, Chase closed out my checking account, and voided my debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
Contacted debt collection compant wouldnt give me any valid information. Only that theyre collectIng on behalf of XXXX  but couldnt validate debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I went online and on the phone entered the proper pin and social security number and Experian still requires me to send them more info through the mail and then wait a week before they will unfreeze my credit. Unlike the other two credit services they do not give the option to speak to a human.

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 2019-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth Financial sent a letter stated i owe {$820.00} i have a letter from commonwealth from XX/XX/2018 stated this is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I called my bank on today what is Suntrust and I was calling about my check cards theyre trying to tell me that the information that they have a new system doesnt match the billing ZIP Code and I said what half that possible when you all send me my statements to the same address every single month. So I just love how Suntrust took it upon yourself to change it in the system the address I have for one card should be the same address for the other car but somehow mysteriously the addresses got changed Im not understanding hot as possible it is been the same address when I open up the account three years ago

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 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a bunch of inquiries I've never authorized. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX 3. XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX 4.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 6. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, RI XXXX 7. XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX All of these are on Experian, XXXX, and XXXX and I didn't authorize them.

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 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo repairing my credit history and coming with a far better compensation than the {$50.00} shady check, that if we were to cash it, would immediately mean we have agreed that this issue was resolved to our satisfaction, when in reality, is the exact opposite.

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 2019-06-11 00:00:00
Product: Debt collection — Credit card 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America ( MBNA ) was the 3rd party that compromised my Huntington National Bank Visa credit card account on XX/XX/XXXX and FIA Card Services may have initiated that breach. Bank of America acted fraudulently when it created a fictitious account on XX/XX/XXXX without a Credit Card Agreement to allow FIA to recklessly transfer a credit card account originated by Huntington in XX/XX/XXXX. XXXX XXXX XXXX attorney for Bank of America filed a false claim in XXXX XXXX XXXX  Court on XX/XX/XXXX pursuing {$4800.00} more. Bank of America was already unduly enriched by demanding and receiving payments from me from XX/XX/XXXX - XX/XX/XXXX on an account not legitimately owned by them. Bank of America/FIA Card Services and attorney XXXX XXXX XXXX XXXX are violating the OCC Consent Order # XXXX dated XX/XX/XXXX. Bank of America is corrupting the banking system with what appears to be racketeering and XXXX XXXX XXXX is perverting the justice system by getting a Judgment for them on a fictitious account with no account agreement. Bank of America did not and can not produce the credit card account agreement they referenced in their response to my original complaint # XXXX referred to the CFPB by the OCC via my Case # XXXX on XX/XX/XXXX. The correspondence received on XX/XX/XXXX from Bank of America in response to my initial complaint is unacceptable and erroneously dated XX/XX/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 2019-06-11 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: VW Credit
State: TX

Complaint narrative:
sent the ftc violaton they are taking more than 30-45 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I took a loan out with Cash Net USA for the amount of XXXX I have been paying on this loan for over a year now so far I have paid more than my loan because of the interest rate. I am seeking counseling because I am at the point where I just want to XXXX XXXX because this is just to much of a hardship for me, I am a single mother of XXXX my youngest was just diagnosed with a XXXX XXXX  and with those medical bills and with paying for daycare and other utilities that I need in order for my children to survive. It's really taking a toll on me, I tried contacting CashNet back in XXXX to try to set up payment arrangement and the representative was very rude and all she said was " well I am sorry you are going through a hardship, but you took out a loan and that loan has to be paid no matter your situation '' They are shark loans, take advantage of people in need. I am hoping I can have something resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
XXXX XXXX sent a letter stated i owe {$820.00} i have a letter from XXXX from XX/XX/2018 stated this is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
After being told that my number was being taken out of the system at XXXX on XX/XX/2019 I got another phone call that no one talked on the message for minutes and I was told last week that I would not be getting any more calls after being hit by a drunk driver and this is the way Bayview operates. They continue with the harssment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Below was the response from Chase from my first complaint which did not answer my two main questions : 1. Why is the account being reviewed? and 2. When ( date specific ) will the held funds be returned? 

My Feedback to that response is below We regret any misinformation given to you and appreciate you taking the time to tell us about your experience with us. Your feedback is important to us. We aim to give exceptional service and are sorry if we did not meet this goal. The agreement between us was that Either you or we may close your account ( other than a CD ) at any time for any reason or no reason without prior notice. You can find this on page 12 of the Deposit Account Agreement.  You were provided a copy of the agreement when you opened your accounts or you may view the current agreement on chase.com. We are not required to give you a reason for our decision to close the accounts. Enclosed are copies of the account closures letters we mailed you for your reference. Once our internal review is complete, we can request for the funds to be sent to you overnight. We apologize for the inconvenience. 
Attachments XXXX XXXX XXXX ( 18.2 KB ) XXXX XXXX ( 73.2 KB ) Feedback provided Status Feedback provided on XX/XX/2019 Your feedback The companys response addressed all of my issues No ADDITIONAL COMMENTS When will the internal review be complete - there is no timeline given as to how long the funds can be held? 

I understand the companys response to my complaint No ADDITIONAL COMMENTS I did not ask why my account was closed I asked for my funds to be returned and why the funds are being held for review in the first place. I've given crystal clear explanations about questions related to account activity to bankers at the branch who understand the transactions and they have relayed this information internally. Why is the money not being returned?! If not now, When?! these are my questions yet the only answer I received is that we don't have to tell you why we closed the account ( I already know ) and that the account is being reviewed internally ( again, I already know ). I want to know the following : 1. Why are the funds being held. 2. When ( date specific ) will they be returned. 

The company did what they said they would do with my complaint No ADDITIONAL COMMENTS I want answers to my questions! I do not wish to involve my attorney but unless I can get real answers, what choice do I have?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GFS II, LLC
State: TN

Complaint narrative:
Loan was never validated and I don't owe that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This alleged debt this company says I owe has already been paid. It was paid in the form of ACH payment. Not only do I have the receipt shown payment was RECEIVED, but my receipt also shows payment was APPROVED. I took care of this debt on XX/XX/XXXX. I sent all 3 credit agencies proof that this debt was not only received but also APPROVED! This proof was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The amount that was approved as paid was {$990.00}. I have my receipt saying to print this page for my records. My receipt shows the amount paid, invoice number, Ref number, and Auth Code. There has not been any correspondence between XX/XX/XXXX until present that stated payment was not approved or came back. I would like this removed from my credit report immediately. The company 's name is Kimball Tirey & St John and I forwarded my proof to all 3 credit bureaus. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a bunch of inquiries I've never authorized. 
1. XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX 3. XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 6. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, RI XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX All of these are on XXXX, XXXX, and Transunion and I didn't authorize them.

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 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a bunch of inquiries I've never authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 3. XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 6. XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX All of these are on XXXX, Equifax, and XXXX and I didn't authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Since XX/XX/2012, Asset Acceptance LLC has try to collect a debt that I don't recognize. I thought that this issue was closed. Now I am receiving correspondence that this collecting agency wants to garnish my wages putting a judgment in the courts. I was not aware that this issue was still open because the company keeps sending garnishments to companies at places that I never work for or companies that I stop working for a long time ago. I want to put a formal claim on this company. I have call trying to get documentation that proof that this debt belongs to me and they have continue to harass me and refuse to send me any documentation that connects me with the debt. The case they file with the XXXX County courts is another form of harassment. This company should be out of business and not allowed to disrupt peoples lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Credit & Collection Corporation
State: MD

Complaint narrative:
Company sent a letter stating I owe XXXX however after calling XXXX I do not have an open account nor was I ever sent to collections. Tried contacting the company and it goes straight to VM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was scammed by a person impersonating a member of the band XXXX. They sent me very convincing material that let me to believe I had been invited to a meet and greet. I suffer from XXXX XXXX and XXXX so in light of being a relatively smart person, I took the bait. They were incredibly convincing. I had two wire money to two different accounts at Wells Fargo. I was also given a 3rd account at Wells Fargo and I also had to send money to a XXXX bank. My bank has gone to Wells Fargo to try to retrieve the wires but of course the accounts are closed. I didn't have much hope for the money being retrieved but I would like to hold Wells Fargo accountable for having multiple ( potentially hundreds, thousands ) of personal bank accounts that are only open to conduct scams and fraud. I had to wire money in the amount of {$3000.00} to a Wells Fargo account on XX/XX/XXXX to a Wells Fargo in XXXX XXXX. On XX/XX/XXXX they had me send {$1300.00} to a Wells Fargo in XXXX XXXX. I have spoken to Wells Fargo. They are very pleasant but openly admit that they are aware they have multiple fraudulent account holders. How can they be aware of this and not do anything about it. My bank manager said in some cases you can just open an account on line. If there are accounts being open and closed with large wires coming into them there should clearly be a red flag that these accounts are conducting internet fraud. I was first approached on XXXX by a person with the XXXX handle XXXX his email which has an IP address in CA is XXXX. I was also sent a meet and greet invitation by " his assistant '' her name was XXXX XXXX and her email was XXXX both of them had the IP address XXXX I was later approached by a fake XXXX singer claiming to be XXXX and he knew all about the meet and greet and couldn't wait etc. his XXXX handle XXXX email XXXX ip address XXXX. I have reported this to my own bank. They have told me that they can no longer help me. I have filed a complaint with two local police departments. The FBI, The attorney general in CA as well as the XXXX. Wells Fargo has sent me correspondence and I know that they have {$5000.00} they are a huge bank. I don't want this to happen to anyone else. This was one of the worst experiences of my entire life. If I can help just one person, I hope I can prevent this from happening for them.

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