vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
FORD MOTOR CREDIT HAS REPORTED A CHARGE OFF ON MY CREDIT REPORT FOR A CAR LEASE I WAS NEVER LATE ON IN FIRST PLACE ... The Ford issue is still bugging. The lease there I paid every month w/o delay until the end of the lease. Then we run into a heavy disagreement for charging me for the electric cable ( and other charges related to overly wear and tear of the car ) which I had returned to the dealership. The dealership promised I would not have to pay, but then they did not work it out with Ford and I was left in the doldrums. My only motivation to pay an agreed sum in the end was to get this off the report. FWIW I still have the message from the dealership that I dont have to pay anything and they take care of it on my XXXX XXXX. This entire interaction was so painful and disrespectful that I will never deal with the dealership nor with ford ever again ( i had always owned at least one ford car up to that point ... ) .The sticking point was the cable I had returned and ford credit still insisted on charging me on grounds of a late return. This bullying I could not accept but - frustratingly - also not escape.At least I hope the credit reports can state the reason why I dispute this and that the company refuses to remove the item from the report despite my conditional settlement ( even though this was with third party - the agency or lawyers they instructed to go about delinquent accounts. But they hired them and it is another negligence of communication on their part if my condition has not been communicated ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: CO

Complaint narrative:
I have been getting calls from Conn 's starting at XXXX XXXX  since Monday. They call both my home and my cell 6 times or more before noon. They have sent multiple emails, texts and continue to call. My payment was due Sunday. I'm only 1/2 a payment behind. I have a grace period. It's against the law to harass customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Good Afternoon, 3 weeks ago, I filed a fraud report with PNC ( my bank ). There were {$710.00} worth of fraudulent checks cashed, and the money was taken out of my account. This occurred over a span of 2 weeks ; XX/XX/XXXX-XX/XX/XXXX. There were approximately 9 checks, written for various amounts, all totaling {$710.00}. The person whom stole my checkbook, and wrote the bad checks, is my mother. I also followed-up by filing a police report against her, which I have offered my bank as evidence that this matter is being taken seriously. 

This claim was opened with my bank going on a month ago. I have contacted their fraud investigation team, as well as my investigator, who was working personally on my case ( her name is XXXX ), countless times. I still, to this moment, have not received any contact or correspondence back from anyone working on my case, nor from PNC. 

I made a call in to PNC today, and I spoke with a standard Representative, who told me my fraud claim was denied because the signiture has been consistent since XX/XX/XXXX. Apparently, my mother had also stole and written a bad check in XX/XX/XXXX, and because of this, they are saying its consistent. I was in the hospital, and incompetent, from XX/XX/XXXX to XX/XX/XXXX ( in which I have paperwork to prove ). I did not know my Mother was stealing and writing bad checks. 

I have been banking with PNC for 8 years now. It is their job to protect my money, as they advertise safety, security, and guarantee reimbursement of all funds if they confirm fraud on your account. What PNC is practically saying, is that since there has been this same handwriting in XX/XX/XXXX, that its excusable. This is absurd. Again, I have been with PNC for 8 years. I write, authorize and sign 1 check a month, and that is to my landlord. There is clearly suspicious activity, as there has been {$710.00} in checks cashed. Ive never done such a thing. Also, I had ALL of my checks cancelled. Why would I have all the checks *I* paid for cancelled if this wasnt genuinely fraud? 

I would appreciate PNC seeing that there is clearly check fraud, reimbursing my money in the amount of {$710.00}, and offering additional protection, as again, I choose PNC to protect my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am having a dispute with the title company. The title company made the payout directly to the lender. I asked that the money not be applied because I am disputing the amount paid. Wells Fargo applied the money to my mortgage and refuses to reverse the transaction. Wells Fargo applied the money to the principal and interest. Again, Wells Fargo refused my request to at least apply all the money to the principal. I requested that a supervisor call me back and have yet to hear from anyone.

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 2019-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: GMA Investments, LLC
State: KS

Complaint narrative:
Over my voicemail I have gotten the following illegal threats " We're going to have to start getting meaner if you don't pay up '' " Call us to discuss the bank draft you approved '' ( which I did not ) " Just do the right thing and we won't have to tell your boss about your debt '' I work as a 3rd party collection agent. These are NOT ok to say to anyone while attempting to collect a debt. 

I just sent off a cease and desist letter to their mailing address as well as email address. I informed them to only communicate in writing as of XX/XX/19 but apparently the debt collection laws don't apply to them as far as they are concerned. 

To my shame I've deleted all but one of the voicemails. They have never once identified who the debt is for and the one time I spoke to a person and asked them to stop calling me, the man on the phone was screaming at me rather harshly about being a 'deadbeat '. 

Please see my XXXX Complaint about this issue, and the many many others they've threatened and harassed despite being asked to stop.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Received a call on XX/XX/2019 XXXX Eastern Time with caller id " Suspected Spam XXXX ''. The XXXX male calling asked for my name and I asked him who he was. He told me only his name ( which I do not recall ) & I told him that I did not know him, then he told me that he was from Portfolio Recovery. The call has a warning that it was being recorded. He asked if I was XXXX XXXX and I said yes and added that is a common name. He gave me a month & day of a birthday and asked me if it was my birthday ; it wasn't and I said, " No ''. He gave the last 4 digits of a social security # to see if it was mine ; it wasn't so I said, " No ''. He gave me a street number and asked me if that was the street that I lived on, it wasn't and I said, " No ''. He responded as if he was satisfied with my responses. 

In the past 4 or 5 years I have received numerous calls, mostly robocalls, from Portfolio Recovery and they keep calling. They had expected me to give them my name without their showing that they were looking for somebody with my name. I should have the right not to give my name to a caller. I know it is not me because my credit is fine. 

They should stop calling me because I am definitely not the person that they are looking for. I should not pay the consequences of harassment for somebody else 's debt. If they can not find the right person that is their problem, not mine. They should also identify themselves accurately on the caller id. 

It seemed like the caller today was satisfied with my responses, but something similar has happened a few years ago and they have continued to call me all this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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: SC

Complaint narrative:
XXXX ; XXXX, XXXX, one more These are the last digits of my credit card numbers that were opened up by my ex-girlfriend from years ago. My ex opened a multitude of cards in my name and ran up debt in my name. The four cards had high charges on them and the debt kept getting higher and higher. 

I informed Capitol One of these issues by phone and letter on multiple occasions in XXXX XXXX. I called and wrote letters and provided a then report of identity theft that was filed through the Federal Government Identity Theft Site that detailed what happened. I offered documentation and spoke to them about it. While I informed them of this, nothing really happened. Capital One did not initiate Fraud investigations or anything into my account. I told them I was making minimum payments until it was all figured out. I even came up with a solution that allowed for me to possibly come to an agreement with the company to settle the debt and close the accounts out by paying a certain amount through a negotiated fee, even though it wasn't fair that I was paying on something that was NOT my opening or my fault. I even asked that Capital One provide me with the signature or documents in which I " supposedly applied for all four credit cards, and they did not. 

Instead, Capital One sent me a big document in which they rudely tried to intimidate and overpower me and ignored my calls for fraudulent issues, not even acknowledging the issues about it. 

I couldn't pay for the credit cards and they charged off on my credit unfairly, especially without providing me with Fraudulent Protections. It was intimidating and awful and horrible experience and even when I tried a negotiation, they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My card was stolen and there was a fraud check cashed on my account along with some unauthorized purchases. After seeing this I immediately called chase claim department and informed them of the situation. Chase froze my account and told me to open up a new one while they came to a solution. A week later chase reversed my claim saying I benefited from the purchases or fraud check. I tried to explain to chase that it would be impossible for me to make a atm transaction in XXXX XXXX while I attend school in XXXX Texas with no means of transportation. Now my total balance is XXXX + dollars money I have never had all at once. It will be impossible for me to pay this back along side the banks normal fees. Please help me in any way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax has failed to remove 2 hard inquiries on my credit report. Even though both companies have admitted to Equifax that they were fraudulent. 
XXXX and XXXX have admitted the problem and both have said they have contacted Equifax to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
In XXXX of XXXX I moved out of my apartment complex ( XXXX XXXX ) in XXXX, XXXX to XXXX XXXX. At the time when I moved out XXXX   XXXX management said I was paid up. 2-3 weeks later I got a {$220.00} bill owed to XXXX  XXXX. I mailed them a check in XXXX XXXX for that amount. 
XXXX XXXX has changed ownership several times. 
In XXXX I got several calls from Genesis Credit Management attempting to collect the {$220.00}. I emailed them a copy of the front and back of the check showing that it had cleared my bank account. They accepted my evidence and said thank you. 

XX/XX/XXXX-XX/XX/XXXX Genesis is calling me again for the same reason!! I talked to XXXX the manager and he admitted they still hadn't received a response from XXXX XXXX about the payment. Then why do you keep calling me!? I asked. I've proven my side of things. 

They are harassing me for something I already paid and it needs to STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please reference the letter that I am uploading. I sent this letter to XXXX and Trans Union on XX/XX/XXXX. They were supposed to investigate the errors and respond within 30 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 2019-05-09 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2019, I received an advisory from XXXX  of a change in my credit file. 
Credit score lowered. It was a result of a credit inquiry by American Express into my file and a subsequent issuance of a credit card. 
Additionally I had to pay {$10.00} dollars to a mail service in order to receive the card in a heavy overstuffed envelope with propaganda so that I would be in my possession. 
The AE envelope had a return address of XXXX XXXX XXXX, XXXX, NE XXXX. 
The mailer paper holding the card furthe ID 's the sender as American Express National Bank. 
American Express had " slammed me '' - a term used when a potential service provider inscribes or switches a consumer without permission. 
I had previously received and email which lead me to a site. As I dug deeper I realized that they were pushing a new credit card. Having plenty of credit. I immediately stopped, backed out ( there was an option for such. and exited my browser to avoid proceeding further. 
When a called to handle this immediately, they pretended to transfer me to the fraud department. They hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please reference the letter that I am uploading. I sent this letter to Equifax and XXXX XXXX on XX/XX/XXXX. They were supposed to investigate the errors and respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 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: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WAS IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.

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 2019-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was so shocked when i looked at my credit in attempts to purchase a home Dates XX/XX/XXXX, XX/XX/XXXX & XXXX I am not sure how this happen i believe that I made my payments when i recieved my ststements. 
I think is that my statements must have gotten lost

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CB1, Inc.
State: WA

Complaint narrative:
CBB collections shows me having a XXXX dollar charge on my credit unpayed for. It is stopping me from buying a house. I called the CBB collections and they said they had no record of me and that they are in Montana where I have never been. 

My credit report shows a misspelling on my name. XXXX XXXX instead of XXXX But I told XXXX that and they said they still got no information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
To : XXXX XXXX XXXX Complaint Resolution Manager Re : {$350000.00} wire transfer to XXXX XXXX XXXX XX/XX/2018 Dear Mr. XXXX : My name is XXXX XXXX, and I am the sender of the above referenced wire transfer to BB & T Bank. I received your reply to my previous complaint with CFPB, but, I must say, it was totally unsatisfactory. I am not asking for any account specific information. 
As I understand it, these funds are now in the possession of your Fraud Department. This wire has been recalled several times by XXXX XXXX XXXX., my broker. I ask why your bank has not complied with the several recall requests? This entire situation can be resolved simply by BB & T Bank honoring the XXXX recall requests. 
Your Fraud Department has no logical reason nor legal right as I see it to hold these funds rather than return the funds to XXXX XXXX XXXX. 
Please comply with my request and return my funds to XXXX XXXX XXXX. ASAP. Your bank 's delay is causing many problems to me in conducting my business. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I called to enroll ( re-enroll ) with '' XXXX  XXXX '' protection for comenitybank/XXXX XXXX. I was told by them that i could not enroll in the protection plan and was not given a reason. they ( XXXX  XXXX  ) referred me back to comenity/XXXX to call them for enrollment. Comenity/XXXX  referred me to the website, which would not allow me to enroll either. then referred me back to XXXX   XXXX! This back and forth game ( at my expense ) went on for approximately 2.5 hrs on the phone, from XXXX XXXX. No one would assist me or give me a straight answer! Finally I got through to the customer care resolutions dept, a complaint was sent on my behalf to the escalation dept as well. I received a call on XX/XX/XXXX, from the resolution dept who apologized to me and told me that I would be able to enroll in the XXXX XXXX program. she gave me steps to go online and enroll. I tried and could not get through. I called again to assure, who would not assist me and gave me back to call comenity/samuels. and the nonsense '' ball bouncing '' started all over again! i told them to " stop '', that I've had enough and that I was going to file a complaint! I believe the reason that they are not permitting me to enroll is because I disenrolled in XX/XX/XXXX because I had no idea that they had enrolled me without my consent in the first place and did not understand what the program was about. Also, I am filing the complaint because they are negatively reporting me on my credit -XXXX XXXX showing " closed '' acct. ( involuntarily ) because the store closed. this is causing my credit score to drop by 15 %!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cordoba & Associates
State: NJ

Complaint narrative:
A person named : XXXX XXXX Called me at work telling me that I own money to XXXX XXXX, This account was already discharged on Bankruptcy and she is telling me is another account. 
When I asked to send me all the paper work to my address the person was very rude an told me ill see in court. 
The number was XXXX-XXXX-XXXX.

The male that was rude call me back from a XXXX-XXXX-XXXX-XXXX I also sent the bankruptcy papers to a Fax XXXX-XXXX-XXXX-XXXX

Company response to consumer: Untimely response