vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-26 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 — Their investigation did not fix an error on your report
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
When I opened my account I was not offered Premier Banking. I believe opening an account with {$20000.00} or more they should of offered me premier banking. I served in the XXXX XXXX XXXX XXXX for 4 years and deposited all of my money with this institution then XXXX XXXX owned by Wells Fargo now operating as Wells Fargo. This Branch is located at XXXX XXXX XXXX XXXX XXXX Pennsylvania. I would like my FDIC insurance in full of {$250000.00}. This is impossible dealing with the bank. My Account with them either Checking or Savings I'm not sure it has been 16 years, has been hacked for over {$300000.00}. If anyone could please assist me in this matter I would greatly appreciate it. Thank You, to everyone at the CFPB and I will be retuning to XXXX in XX/XX/2019. I would like my money to be safe with this institution when I return. They have been very kind to my Father.

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 2018-12-26 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase closed my XXXX card due to no use. Then a month later ( XX/XX/2018 ) they did a hard inquiry and issued another account. 

I asked for the application since I did not apply. They are saying I need to file a police report and jump through a bunch of hoops to get the information they claim they received. 

They did close the account, but they did not remove the hard inquiry from my account. 

I did nothing wrong, why is it so hard to get a copy of what they claim they received. It is on my credit report and I need it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX XXXX took a payment unauthorized from my BB & T account for {$44.00}. This made my account go into a negative status. At the time I figured my husband and I just had to deal with the mistake with the insurance company. This turned out not to be the case. BB & T put my prevuous debit transactions all out of order ( most that occurred on the XXXX ) and I was charged {$100.00} in overdraft fees and an overdraft fee for esurance. While I had the money for my other charges BB & T refused to refund me my money stating that 3 of my first charges posted after XXXX. My online account did not reflect this at  all. I check my account daily and multiple times. BB & T reordered my transactions from the highest to the lowest resulting in these fees ( with esurance being the highest ). Since then XXXX has corrected the mistake on their end and refunded the {$44.00} while BB & T have said that " if '' they refund my fees it will be up 5 days. They should not be allowed to do this especially with debit card purchases. Once the money is debited I cant touch it. Exactly why I chose to debit and keep an accurate account of how much I have to spend. I have further documentation on my purchases being jumbled up if needed.

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 2018-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
On XX/XX/XXXX, I paid off my federal student loan through Navient 's online account-servicing site. At that time, I turned off the auto-payment feature. For added measure, I wanted to remove all my banking information from the site so that they could not take out the regularly scheduled payment on XX/XX/XXXX, but I was unable to remove it because that would mean that Navient could not process my payoff payment. So I TURNED OFF auto-payment and thought well if the balance is {$0.00}, and auto-payment is OFF, they won't take a payment. WRONG. They processed the regular payment anyway, taking the money from my checking account and reflecting an overpayment credit balance on my student loan. When I called XX/XX/XXXX to have this corrected, the agent immediately put through the refund request, but then informed me it takes 30-45 DAYS to get my money back!!! It was their mistake, yet they are keeping my money for a month or more and refuse to pay interest back to me on money they should not have withdrawn in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
The money transfer got cancelled last minute for no specific and valid reason. Refund will take 7 days. Western Union should not have charged my card if they already know that they will cancel the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
During the months of XXXX, XXXX and XXXX I had fraud committed against me. My card was fraudulently used at several merchants without my knowledge or permission. I alerted my Son and together we called American Express and reported the activity we were assured we had nothing to worry about and they would be credited to the account ... See below DISPUTE INQUIRY NUMBER INQUIRY REASON AMOUNT Denied XX/XX/XXXX XXXX No knowledge of transaction or payment {$200.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$20.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$98.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$200.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$29.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$36.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$28.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$25.00} XX/XX/XXXX XXXX No knowledge of transaction or payment {$39.00} However, I just received my bill for this month and noticed they had refused my disputes and now expect me to pay for all of them. I'ma retired widow of XX/XX/XXXXyear XX/XX/XXXX XXXX on a fixed income. My social security does NOT cover this. I was a victim once and now a victim again of American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Thaxton Investment Corporation
State: CA

Complaint narrative:
XX/XX/2018 : Was called from XXXX XXXX XXXX and left a message regarding my friend , XXXX XXXX, asking me to call back. 

XX/XX/2018 : Was called from same phone number and a message left, with unintelligible name ( of caller ) and a reference again to XXXX XXXX. Time of phone call was before XXXX XXXX. This call woke us up. 

XX/XX/2018 : Was called at XXXX XXXX. Again, woken up by the phone call. Picked up phone and began to speak to the caller. After repeated requests to repeat and speak slowly, was able to get the caller to clearly pronounce the last name of my friend, XXXX XXXX. When asked for the caller 's name to be provided, so that I could understand who I was speaking with, caller hung up phone. 

XXXX XXXX XXXX is connected to XXXX XXXX XXXX in XXXX TX. 

I am being harassed by this debt collector. I have no relationship or debts with them. Their debt is with XXXX XXXX, not with me or anyone else at this location in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I deposited a {$2500.00} check yesterday at bank of America 's ATM. Despite the requirement that the first {$200.00} be available the next business day, my receipt shows the full amount is on hold until XX/XX/2019

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 2018-12-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
Sometime in XX/XX/XXXX I began a Loan relationship with this Finance company called : One Main Finance Co. in XXXX, NC, and I did have a couple of successful small loans with them, and I paid them off in full, but at some point in XX/XX/XXXX I had decided to make a large amount purchase and therefore I needed at least {$5000.00} so I decided to go along with a secured loan project with One Main, which involved signing over my vehicle owners title, for my XXXX XXXX, XXXX as the security for the loan. I did receive the loan and committed to making my scheduled monthly all on time from that point up and through the better part of this year, XX/XX/XXXX, until I had a pretty bad automobile accident that totaled the XXXX, and the Insurance company for the responsible party paid for total value of the car directly to One Main, since they had a lien on the car anyway, which paid off most of the remaining balance owed from the title loan, but One Main refinanced my loan for which turned into a unsecure loan at that point. They continued to hold a lien on the car, as of today, but they had refuse to tow the disabled vehicle away from my parents property where it was sitting following the accident. Around this same time frame of the accident I also was in the middle of a bankruptcy proceeding which finally was concluded, in my favor, that also relieved me of any further payments owed to One Main. But afterwards, I was advised, following the overall exposure about my involvement with One Main and a title loan, in NC. The statement was made to me from a couple of un-official sources, that title loans were outlawed and illegal in the state of North Carolina!? And when I posed the burning question to One Main, and the ( XXXX  ) XXXX XXXX XXXX of Indiana ( the source I had to file my complaint to because One Main is Head Quartered in Indiana ), I get no answer from One Main, or the XXXX, just the runaround it seems. And One Main with all their deceptive information and out right lies, misinformation, rude and unprofessional phone conversations and false documents, upon lies leaves me wondering still, is it illegal for One Main to   practice, perform title loans in the state of North Carolina??? ( now this question is for XXXX?? ). If so, then I feel like with all I went through, and the entire financing episode with One Main, the high interest, etc .... they owe me some type of refund of my money, if not all of it!!?? Please advise!! 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This complaint is for Barclay 's US bank ( Barclays Bank Delaware in XXXX DE ). I have multiple complaints about this back including : 1 ) Gross misrepresentation of the US Patriot Act in an apparent effort to illegally freeze accounts and or account access of US citizens.

2 ) Breach of contract for it's certificate of deposit holders 3 ) Failure to provide the legal documentation for accounts ( deposit certificate, statements, forms to close account, etc ) to US account holders, even after being told to do so over a dozen times.

4 ) Theft of the funds held in my account from me. 


I have contacted the bank over a dozen times over the past month and several other times in the past ( Supervisors XXXX XXXX, XXXX XXXX, et al have been involved in some of these requests ). They have been informed that they are in breach of contract by freezing my account and/or access to my account which I opened 3 years ago. I have told them numerous times that I never received any information in the mail at my legal address about my account, that they never even sent me an account number for my account, and that I find them in breach of contract. 

This bank is horrible and they are risking financial misery of all their US clients by grossly misrepresenting the US Patriot Act. They have stated to me that they can freeze accounts purely because a customer does not wish to risk his/her identity security by giving out confidential information over the phone each and every year to avoid freezing their accounts, and they are doing this only to have the customer prove that he/she is the same person and has not moved since last year. I know of no other bank in the USA that acts in such an extreme and radical manner. They have no basis or evidence to suggest any of my information has changed ( I still have the same name and reside at the same home, which I also own and the public records proves that ) and yet they are freezing accounts and refusing to send the account documentation to the account holder 's legal address - and even after they have been informed that said account holder wishes to close their account immediately and requires the necessary forms to do so. 

I have had this account for 3 years and even though I have complained many, many times they have not sent me one acknowledgement of the account with an account number or one statement.

I hereby request that the US Gov't investigate the practices of this bank. Every bank that operates in the United States mails a certificate of deposit statement, account statement, etc to the mailing address on record for the account yet this bank refuses to do so.

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 2018-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I have enrolled in Auto Pay and have been making extra payments in addition to the automatic payments. I made an additional payment of {$800.00} on XX/XX/2018 over the phone. I instructed I did not want it applied to future payments and I only want to be applied to loan # 2. They misapplied the payment and since then my auto payments have been incorrect despite calling numerous times to fix the problem. I made another additional payment of XXXX on XX/XX/18. I once again called Navient and requested my overpayment be applied to loan # 2 and for it not to be applied to future loans. This payment was processed incorrectly. My auto payments have been incorrect since XX/XX/2018. I have multiple debits and credits on my account due to Navient trying to correct their error to the point where I an unsure of what my balance actually should be. I call at least twice a month for them to correct their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX billed my insurance and the insurance paid the claim and informed me I owed {$0.00}. XXXX continued to bill me for {$540.00} and I informed them of the insurance decision that I did not owe any money. The placed me with XXXX XXXX XXXX The collection agency did not contact me in any way they simply put a delinquent mark on my credit. When I found this out I made attempt to correct their information and was unsuccessful. I finally paid the bill as a nuisance to clear up my credit. 

This is a fraudulent action on both the Ambulance company and collections agency that amounts to extortion

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 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: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX. Last week I reached out to Experian because they have someone else information on my credit report. I submitted disputes. I submitted a police report and my DL as well. I received an email from them stating that they needed another police report or all pages. I have submitted all pages of the police report. There are no additional pages. I have submitted everything that they have requested. The accounts that are not mine are as follows : XXXX/XXXX  XXXX XXXX Now XXXX XXXXt XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I am not pleased with what is going on and what they are not doing and how this information has not been removed and/or blocked from my report. I need this removed and rectified asap before they find themselves in the middle of a lawsuit for having information on my report that doesn't belong to me, that isn't in my name, and that isn't associated with me at all.

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 2018-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
We have been trying to get the remaining funds from our insurance claim for 2 months now. The final inspection was handled on XX/XX/XXXX, but we had two additional checks sent to loancare that were posted to our account on XX/XX/XXXX. I submitted a XXXX  complaint on XX/XX/XXXX. On XX/XX/XXXX we received two calls. 1st call indicated they were escalating the request for a 2nd inspection and the 2nd call indicated they would be issuing a payment in 5 business days. To date, neither has happened. No inspection and they have not released the remaining funds from our insurance claim.

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 2018-12-26 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: TN

Complaint narrative:
There want be anymore investigations or disputes in this matter, the fraudulent negative accounts as seen on my credit reports still today [ XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX & XXXX XXXX ] are now involved in litigation and will be handled in federal court. Thank you and have a great day.

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 2018-12-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: OK

Complaint narrative:
In the beginning of XXXX of 2018 I sold my XXXX which was leased through gm financial. The vehicle was paid in full and I had a XXXX  balance on the account. On the XXXX of XXXX they took an additional {$340.00}. I called gm financial and they said it was an error and I would receive a check in the mail. The said they would discontinue the payments being taken out of my account. I never received a check. Now again on the XXXX of XXXX of 2018 they took another payment for {$340.00}. They are taking my money now without my authorization. Please help me get my money back this is fraudulent what they are doing. I have other bills that Im unable to pay because they take the money out of my account without any authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I deposited a check for {$100.00} ( # XXXX ) drawn on XXXX XXXX to my Bank of America checking account - account # XXXX. The receipt stated that funds would be held until XX/XX/XXXX. The funds were available in my XXXX account because I received my paycheck by direct deposit in the amount of {$2400.00} on XX/XX/XXXX ( see attached document from XXXX XXXX   showing the direct deposit ). 

The deposited check cleared on XX/XX/XXXX ( see attached photo of the cancelled check ). I called Bank of America on XX/XX/XXXX to explain that the check cleared and ask them to release the funds. After being on hold for 20 minutes, a Bank of America rep took my call. The rep stated that despite the check clearing on my XXXX account, the funds still would not be released until XX/XX/XXXX. 

When I asked to speak to a supervisor, I was told that the supervisor was busy with another customer. 

I have been a customer with Bank of America for 16 years and my account is in good standing. There is no reason for funds to be held for 14 days.

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 2018-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
Just received a phone call from phone number XXXX which is recognized as National Credit Adjusters. 

I submitted numerous complaints via the cfpb online complaint submittal for acknowledgment of these harrasing calls to a place of business. This is my place of employment and we have a policy in place for no such calls to be verified or answered by creditors.

Company response to consumer: Closed with explanation