vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
I have an old account with XXXX in which I owe {$1500.00}. I previously listed a person who I was dating as a reference. I'm no longer with the person and want no contact. I started receiving letters in the mail thanking me for my payments. I assumed it was in error. However, they discussed the amount I owed along with other personal information they had no right discussing with this person. They allowed him to set up recurring payments. This was a direct violation of my rights and I've already contacted my attorney. I have proof from my ex boyfriend and printed documents of the transactions drafted from his bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Someone trying to open account in my name from Wells Fargo If more information needed let me know

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 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avid Acceptance, LLC
State: GA

Complaint narrative:
My account with Avid Acceptance LLC should show a XXXX balance as it was included in a bankruptcy filing. Please have Avid Acceptance correct and remove the incorrect account information.

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 2019-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I submitted a payment for my loan on XXXX. My bank sent out the check. When it wasnt posting to my account I realized I sent to the wrong XXXX XXXX. So I called ally financial and explained the situation. The said to not worry and do not place a stop payment on the check because they still own the XXXX. XXXX and will forward it to the correct place. The payment cleared my bank but when it did it was deposited into someone elses account at a different bank. Since it was cashed I cant put a stop payment on it anymore and I need ally to fill out a form that my bank requested. I have contacted them numerous times to get them to fill it out and they wont answer. Then when I call they say to contact the bank that cashed it ( XXXX XXXX XXXX  ) I tried that and they said ally needs to fill out the form and dispute it since it was addressed to 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 2019-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: MD

Complaint narrative:
I received repeated call from a company that shows on my phone as Conn 's XXXX XXXX. 
They ask to speak with someone who has never lived at my address. I have told them this and they continue to call and harass me daily. The last call was this morning around XXXX XXXX. 

They insisted that I tell them if my number was recently changed and how long I've lived here. I'm pretty sure I don't have to provide them anything, as I don't owe them anything. They stated that the calls will continue since I won't answer these questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2019 I purchased a XXXX on XXXX XXXX website Item ID # XXXX item description XXXX XXXX  XXXX XXXX XXXX XXXX mm Space Gray Case with Black Sport Band XXXX. I immediately cancelled the sale on XXXX XXXX website within 2 minutes of the purchase. The seller never cancelled on their end. About 6 hours later that day I received a text message from Paypal 's fraud department asking if I authorized a transaction for {$340.00}. I responded No. The seller on XXXX XXXX site never cancelled the sale and tried to place the purchase through. The seller was notified that the sale was charged back to them. The seller then immediately began to harass me and sent emails via XXXX, stating that I should have never of submitted for a chargeback and that they would refuse to communicate with me going forward. They then went ahead and mailed me a package. A package that I have till this day for evidence purposes. It contained a broken XXXX TV remote and a charging cube. I immediately opened an investigation with Paypal and explained what had happened they told me not to worry they will handle it. I also contacted XXXX to explain to them what had happened. They both went ahead and opened investigations. After a few weeks went by I was notified by both XXXX and Paypal that they were ruling in the sellers favor. I asked how in the world could they rule in the sellers favor when there was clear fraud and extortion that had been committed by this seller on their websites. I then proceeded to place negative feedback about this seller on XXXX XXXX website. Within a day or two they had removed my feedback as to avoid any traces of my discontent. I made them aware that there was another negative feedback left by another consumer regarding the same seller regarding the same exact item that was there days before mine was placed. They then within the next day removed that negative feedback. If this is not a coverup then I don't know what is. I ask is the Federal Government going to allow consumers to be defrauded? Myself and so many other are being defrauded by these major corporations and they are protecting sellers that feed them enormous amounts of business so they can also extort on the side? I beg that you open an immediate investigation into this matter and that my {$340.00} be refunded to me immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/2019, I disputed a charge with American Express from XXXX for {$920.00}. Today, XX/XX/2019, That charge is still showing on my balance. My contract terms and conditions with American Express clearly says that any disputed charges will be temporarily credited until after that investigation is completed. I brought this up to a representative through Chat, and they confirmed this dispute is being handled differently, I informed American Express they were in violation of our contract therefore breaching our contract and they were also in violation of federal Law which clearly states how disputed charges are to be handled. They did not care! I had a recent dispute for {$69.00}, for this dispute I received a temporary credit until the investigation is completed. 
The XXXX charge was paid by other means also the {$920.00} charge is more my contract with XXXX. I paid XXXX {$790.00}, when the car was dropped off. For some reason XXXX charged me again a higher amount. 

American Express is recklessly and deliberately breaking out contract and the law, meaning they literally do not XXXX XXXX XXXX! 
also they will be reporting the wrong amount to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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 — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Collection agency didnt validate debt they bought. Several letters I sent to PRA with request to validate XXXX XXXX balance allegedly owned with no valid response from collectors. However, I have provided collector with check copy which show paid off balance for the debt they were trying to collect second time. Despite all my efforts to proof the debt was paid off, PRA sent note to XXXX with attempt to collect debt which was paid off 4 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA

Complaint narrative:
On XX/XX/2019, my car was totalled. I informed the loan company that the insurance company will be sending them a lump sum payment of over 16,000. I told them to not.take the payment set up for the XXXX. The tepresentarive was nasty about it because I did not have a date when that payment would be sent from the insurance company. I told her I was injured and not able to work and tbe payment will not be in the account. Today, XX/XX/2019, the payment was submitted and it bounced my account. I have to reverse this payment and my account is XXXX in the hole. I told them.2 weeks ago not to.take.the payment. I cancelled that transaction.

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 2019-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Returned for my XXXX at age XXXX and had to borrow money to attend and living expenses. Had around $ 55K in loans when I began XXXX  in XXXX. Got {$17000.00} forgiven after 5 years XXXX XXXX in XXXX XXXX system. At one time the monthly payment was {$680.00} per month. Renegotiated with Navient a payment of around {$300.00} per month since XXXX and been paying on this loan for 12 years ( to other lenders ). Somehow the payment has increased over the past 4 years from {$290.00} to {$310.00}? Still owe over $ 15K and have been denied any Public Service Loan forgiveness twice in the past year. At the current rate and payment of $ XXXX/mo, I still have nearly 5 years of payments. HELP ME PLEASE! I have paid the balance of the original loan and thousands in interest over the years. I should qualify for some type of forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2019 Wells Fargo Bank issued two wire transfers from our checking account at XXXX XXXX XXXX XXXX XXXX XXXX, {$500.00} per transaction, for a total of {$1000.00} without our permission. We do not bank with Wells Fargo and have not had any type of active account with Wells Fargo for approximately two or more years. 

We discovered the illegal withdrawal of funds from our account on Sunday, XX/XX/2019 and contacted a local branch of Wells Fargo by phone on Monday. Wells Fargo Banking personnel had two responses to our claim : 1 ) How did they ( Wells Fargo Bank ) take money out of our account when we don't bank with them or have and type of account with them? 2 ) There was nothing they can do about the illegal transfer, and we had to contact our bank, XXXX XXXX XXXX XXXX XXXX, and make them find a solution to the problem. 

Both responses by Wells Fargo personnel were reprehensible! First Wells Fargo Bank steals XXXX from us and then tell us there was nothing they could do about it, and we should go find someone else to deal with it. 

Fortunately for us we found out about the stolen funds in time for our bank, XXXX   XXXX XXXX XXXX XXXX, to rectify the problem before any checks we wrote bounced due to insufficient funds. Due to the efforts of our wonderful personnel at the credit union, they were able to retrieve the {$1000.00} from Wells Fargo before we were hit with penalties for insufficient funds. 

I am upset that Wells Fargo Bank did absolutely nothing to rectify the problem. Was this truly a mistake by Wells Fargo our did they purposely try to steal our money for whatever reason? How many other people have experienced similar thefts by Wells Fargo Bank. I hope a government agency fines Wells Fargo for their illegal act or at the very least penalizes them for their incompetent act of taking money out of our personal account without proper cause or permission.

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 2019-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've mailed in by certified mail a COPYRIGHT CLAIM AFFIDAVIT to which XXXX XXXX   has not responded and EXPERIAN continues to report on my credit profile in DIRECT VIOLATION OF THE DODD FRANK ACT, FCRA, FDCPA and several other consumer protection laws.

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 2019-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: OK

Complaint narrative:
My Minor nephew signed me up for a XXXX XXXX membership without my approval or knowledge. Once I found out I called to cancel, but they ( XXXX XXXX ) said they could not because it was a years term. I explained I did not authorize the membership, I did not make the sign up, I did not ever activate the membership nor ever use it! They did not care. 

I started receiving collection calls over and over from XXXX XXXX and I explained the same thing, they didn't care. 

NOW, all the sudden, WITHOUT written notice, I noticed today I have a collection account on my credit report showing I have a collection from Midwest Recovery. 

I received a call from MWR and told them I did not authorize this account, and I was told I would be removed, this was 2 days ago, now there is a collection ... THE ONLY NEGATIVE ITEM ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX the bank charged me an overdraft fee for an account that had a positive balance. This in turn caused another transaction to overdraw the account by the value of the fee ( {$36.00} ) and XXXX cents on XX/XX/XXXX. I have overdraft protection with the bank and more than 34 cents in my savings account but less than 36 dollars at the time. Without the first fee I would not have been levied the second. On the XXXX I contacted the bank to resolve this and they dropped the first fee but did not, however, drop the second. I wouldn't nickle and dime this sort of thing if every nickle and dime didn't matter.

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 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2019, a payment check in the amount of {$1500.00} was cashed by someone within the Barclays Bank organization, however, the payment was never credited to our account. The company was contacted about this payment and a conditional credit was placed on our account while the payment was to be tracked down. The bank requested copies of the front & back of the cashed check knowing that such copies do not exist since payments are processed digitally in Barclays ' system, meaning it is impossible to provide what they were requesting. What we were able clearly show and provide was the transaction ID from the check being cashed by Barclays Bank. Even after Barclays was contacted directly by a representative of our financial institution and told that what they are doing is essentially breaking the law, even after having submitted the transaction information showing the payment was received, and now, nearly 4 months after the original payment check was cashed, we are still being ignored by Barclays Bank with no communication about the status of the situation after 6 weeks from the date we re-submitted a letter and all pertinent information to them ( faxed on XX/XX/2019 ). Additionally, we have submitted 2 complaints to the XXXX XXXX XXXX regarding this situation. We have every bit of information necessary to prove they received this payment and it is beyond absurd that they have been able to get away with this. We were given a case ID number by Barclays, but that has been of no help, either.

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 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Fraudulent account was opening in my name. Im trying to get help, I need this problem resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
On XX/XX/2019 we submitted a {$1000.00} payment online to Kia Motor Finance to be applied directly to the principal of our car loan. As per the policy of the Kia finance company, we waited several business days to allow the withdrawal to clear the bank and called Kia Motor Finance on XX/XX/2019 to request for the payment to be applied to principal. Kia Motor Finance could not confirm the receipt of the payment. We waited several more business days and called Kia again on XX/XX/2019 and XX/XX/2019, both times without resolution of the issue. On XX/XX/2019, the Kia representative confirmed Kia had received our {$1000.00} payment and he could not understand why it was not reflected in our payment history. He promised to follow-up with the payment processing department to request for them to manually fix the payment. 

On XX/XX/2019 we submitted another payment online of {$3000.00} which was reflected correctly on the Kia website. On XX/XX/2019 I called to request for this {$3000.00} to be applied toward principal and this was performed. I was told this should be completed in 2-3 business days. 

During the XX/XX/2019 phone call I again inquired about the {$1000.00} payment which has still not been reflected on our loan amount. The representative confirmed the same thing as on XX/XX/2019 and said she would send an email to the payment processing center which would take another 3-5 business days to resolve. I pressed her to have this issue resolved today as Kia Motor Finance has been holding {$1000.00} of our money for 23 days without applying it toward our car payment ( which, incidentally, continues to accrue interest on a higher amount since our payment was not applied ). The representative refused to address this issue today, again saying it would take another 3-5 business days despite all of our efforts to already resolve this.

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 2019-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I've mailed in by certified mail a COPYRIGHT CLAIM AFFIDAVIT to which PNC BANK has not responded and XXXX continues to report on my credit profile in DIRECT VIOLATION OF THE DODD FRANK ACT, FCRA, FDCPA and several other consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Notified Credit Collection Services ( CCS ) on XX/XX/19 and again on XX/XX/19 that a debt they were claiming owed was incorrect from their client XXXX XXXX XXXX. CCS was claiming a debt of {$1300.00}, that their client XXXX XXXX said was owed to them due to me cancelling auto insurance services with them because they stopped taking payroll deduction payments. I notified XXXX of this issue twice. Once in XX/XX/2019, when I noticed that payroll deduction payments to XXXX were not being taken. I was told by the XXXX representative that everything was fine and I was in good status. I contacted them again in the beginning of XX/XX/2019, when the issue still wasn't corrected and asked why the issue wasn't corrected and again I was told I am in good status. I have been a customer of XXXX XXXX for many years and have always paid with payroll deductions with no problems. However, XXXX never once corrected the payment issue. It is against the law in the state of Arizona to not have auto insurance. I was forces to hire another insurance company on XX/XX/2019. On XX/XX/19, I even provided CCS with a supporting document that was sent to me from XXXX that shows the amount owed for five weeks of service coverage is {$490.00}. CCS continues to notify me of the {$1300.00} amount. CCS was informed that this is false representation of a debt amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX continues to furnish information on credit file. Requested information to validate signature and contest to contract.

Company response to consumer: Closed with explanation