vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM FINANCIAL PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR REQUEST. I WROTE THEM AND THEY DENY IT. THEY ARE WRONG! 

On behalf of XXXX XXXX XXXX .... This is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I made an online purchase on Coinbase.com for XXXX $ of crypto currency. Only after purchasing was I informed that my funds would be un available for withdrawal until the XXXX of XXXX this was over a week ago.I believe my initial purchase was on the XXXX of XXXX for XXXX. I inquired as to why my funds were being held, and I was told it was for " security reasons '' this was the only information that I was given. 
I feel it's very misleading and unfair to the consumer to have there funds held for this long of a period without any real answers as to why. Or without any prior warning that this was standard operating practice for this company. I am a XXXX veteran and As it is I'm already on a tight budget to have my money held hostage without any really explanation why is very frustrating to me. O would appreciate any guidance as to how to best handle the situation. Thank you for your time. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I missed either XXXX or XX/XX/2018. Payment Chase called me in XXXX of 2018 to pay it. I had 90 days to pay but paid it in 60 days. I also paid the payments that were due when there due was. 

Now Chase is stating 3- months I was 30 days late. Then said I am 90 days late also. 

I am upto date on this this mortgage payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient has not been providing information with who my private student payments are being made towards. When I made inquiry, no one from customer service nor a supervisor with Navient would explain where my payments are going. The for-profit culinary school I had attended from XXXX-XXXX ( initially named " XXXX XXXX XXXX  XXXX XXXX XXXX XXXX '' and then " XXXX XXXX XXXX- XXXX '' ) has since dissolved as an institution. I am looking to have my student loan payment lowered if I can not get the loan discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I noticed Sunday XX/XX/2019 that funds were being taken out of my account for about a mouth and I didn't notice till 3 charges of {$500.00}, {$510.00}, and {$550.00} were made in the same day. Turns out funds had been charged that added up to $ XXXXover 3 or 4 months. I was very upset and called my bank ( Bank of America ). They assured me would be taken care of and refunded back in to my account. I did not authorize these charges. They told me funds were transferred to a cash trading company. Someone using my debit card information to transfer money from my account to a company called XXXX XXXX XXXX which I did not open or have an account with this company. I called this company and they would not give me any information of account and how funds got there or where they went except to tell me the funds were moved by transferring cash and bitcoin. My funds in my Bank of America account were stolen from me to this XXXX XXXX XXXX and my bank has denied me fraudulent reimbursement. I want the fraudulent stolen funds refunded back to me. I have notified the police and have canceled my old debit card and received and new one. All of this was done electronically without my knowledge, conceit, or approval. I never signed or approved any of these transactions and I need a chargeback or funds returned back in to my checking account.

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 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
In XXXX of XXXX I moved out of my apartment of 2 years and moved into a new home. I unintentionally left my XXXX XXXX account open and was oblivious to the fact until XX/XX/XXXX/XX/XX/XXXX. I received at max 2 letters at my new address stating that this was an attempt to collect a debt between XX/XX/XXXX/XX/XX/XXXX for a balance of {$180.00}. I opened the letters and immediately attempted to pay online MULTIPLE times. If you follow the instructions and attempt to pay at XXXX you are immediately directed back to XXXX XXXX where wouldn't you know it I have no balance outstanding to pay. This roundabout system makes it impossible to pay online and is deceptive and misguiding to the end user. Given that these " attempt '' letters do not clearly state a date at which you must pay the debt by I kept trying to pay online. After finally having enough I called and asked for assistance to pay online again and was told to follow instructions on the letter I have received. This evening ( I called the debt collector in attempts to settle the bad debt in exchange for the removal of the derogatory mark from my credit history as their deceptive & negligent practices are the reason this occurred in the first place and I was told that can not be done. As someone with a very strong history of credit, a well paying job, and hopes to purchase a home in the coming years, a sharp decline in my credit score like this is very troubling to me. It is {$180.00} ... This is by no means unaffordable and something I would intentionally disregard payment on for financial reasons. I have a well paying job and a spotless history of credit and the implications of a lower credit score over {$180.00} seem egregious to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: OR

Complaint narrative:
XXXX opened two accounts at same address. I paid XXXX and indicated to them several times I did not want 2 accounts servicing the same address. They continued to send me bills and then sent me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Correction in documentation- Yes, i have tried to handle and communicate with company about situation. They will not work with me in any ways and are rude and unprofessional place i have ever been a customer of. On XX/XX/XXXX, I received a loan from Cash Net USA for XXXX. A few months later I got a XXXX and XXXX dollar loan. Equaling XXXX. I was not informed that I would be paying XXXX dollars biweekly. I contacted the business. They did not help any and told me " orry we cant help you. Then they agreed to XXXX dollars every two weeks and did not keep their word. I called today XX/XX/XXXX. Asked how much I had paid so far- XXXX. Asked how much more I owed- XXXX. A total of XXXX for a XXXX dollar loan!!! The lady proceeded to say I was charged XXXX each time even though I did not take out XXXX dollars! They are scammers! and do not care anything about their customers! I am a single mother and their is no way possible way I can afford XXXX every two weeks. I have tried to contact the company on several occasions but no response/or no help what so ever. I am not looking for pity- I am looking for assistance. & making this company understand what a horrible company this is.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/28 I received a refund in the amount of {$320.00} from XXXX to my Venmo account. On XX/XX/28 I initiated a transfer to send my refund to my bank account, and Venmo then stopped the transfer and kept my money. Next, they froze my Venmo account and asked me for a picture of my drivers license to unfreeze my account. I then emailed the my DLs and then they deactivated my account and did not provide an answer as to why, and they didnt refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I paid the future landlord rent of {$1900.00}, moving fee of {$500.00}, pet fee and garage rental fee of {$350.00} and {$240.00} for applications using my Chase business checking card. The apartment on the moving day turned out to be unsuitable for moving in or living. I contacted the person and he wouldn't respond for 2 days. I disputed the charges with Chase providing 43 pages of documents, evidencing inhabitality, violations of the space, no mail delivery from Post Office and basic negligent state. Chase refused my claim and provided all the money to the slum landlord. My 6 years of being business customer of Chase is violated and most definitely the slam landlord  part is the sickening insult to an injury and monetary damage. 

I learned from official XXXX County records that the space is not residential, has numerous violations of safety and the person who claims to be the landlord is not listed as the owner. I am providing all the documents to evidence that along with the highlighted provisions that justify my cancelling the lease by XXXX Landlord Tenant Ordinance that states that non-hability and non-possession are  grounds for cancelling the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-19 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: FL

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 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: CA

Complaint narrative:
Hello. Thank you for taking my complaint and assisting me with this matter. The reason for my dispute is because I am having a very difficult time with a collector who has already admitted the collection account they are working is not valid. 

Back on XX/XX/XXXX I hired a firm to assist me with dealing with a collector because they were collecting an amount I know is not owed. To make this complaint short yet concise, since XX/XX/XXXX, we have been attempting to have this collector prove that this debt is real. We've asked for itemization and contracts and have technically received both. The problem is that their own contract proves this debt is not legitimate. 

After 2 months and several conversations with multiple collectors later, my representative spoke with a collections manager named XXXX XXXX at XXXX XXXX. XXXX XXXX is the name of the collection agency. XXXX XXXX admitted in their conversation on XX/XX/XXXX that the itemization was faulty due to the language in the contract. XXXX XXXX is charging me a forfeiture of deposit fee for the same amount of my deposit even though I left the apartments in good standing and was even given a {$250.00} pet deposit reimbursement back for doing so. Because they are charging me a forfeiture of deposit fee, instead of deducting minor cleaning charges and reimbursing me the remainder of my normal deposit, they are now charging me {$350.00}. On XX/XX/XXXX, the account had been in dispute for 51 days through my representative. Because the F.D.C.P.A. only allows 30 days to validate the debt which in this case it wasn't since the contract did not support the itemized charges, my representative demanded a removal within 24 hours or this complaint would be filed. XXXX said she would ask questions to her client and call him back. She never did. 

Today, my representative gave them one last chance to remove the account from the credit report since no response or correction or proof of any kind had been provided, and now the manager XXXX XXXX is not around to adhere to the F.D.C.P.A. and apparently no one else in the office can assist with this. It has now been over 60 days and this account still lingers on my credit report. 

I am asking that you assist me in getting this company to follow the law and stop collecting a debt they already admitted isn't legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I just received a phone call telling me I had a XXXX debt that needed to be settled by the debt collector calling me. He stated his name was XXXX XXXX from diversified consultants inc. phone number XXXX and would not give his physical address but a XXXX XXXX XXXX XXXX XXXX TX XXXX. XXXX confirmed that I actually have a credit on my account and a quick XXXX search shows others stating fraud from this company. Also gives a physical address of XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX. 
This person told me I would need to settle this debt through him and give him my credit card number to do so. If not I would be reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In 2018, my {>= $1,000,000} XXXX XXXX house was foreclosed and sold at auction for a {$130000.00} mortgage debt and I was left with nothing, zero monies. Shellpoint Mtg gave me nothing, NO MONEY, no explanation. Is grand larceny legal in America? Is MURDER LEGAL IN CALIFORNIA? Nobody ( even in the real estate business ), that I have told this story to, has ever heard of these type of violent felonious crimes happening to anyone else. Unfortunately, I am a senior citizen and XXXX  victim, and Shellpoint Mortgage Co 's ( in North Carolina ) final action caused me to go into shock and suffer another XXXX. Yes, I was struggling to keep up with my payments, and when Shellpoint Mortgage in North Carolina said they were auctioning my house and would not give me time to sell it myself. I didnt believe that was fair, especially because one often loses 10 %, 20 % or even 30 % of the value in an auction, but given my poor health, I couldn't fight this injustice. Then Shellpoint sold my house and gave me none of my equity, that's over {$1.00} million of grand larceny. Also, shouldn't XXXX  victims have more time to relocate, especially when the XXXX  was caused by their actions. To further compound this inhumane injustice, my house actually has 40 % more square feet than they advertised at auction and sold my property for. I can forward you emails that I sent ( prior to the auction ) to Shellpoint Mtg., and to their XXXX  attorneys, and to XXXX, telling them that if you must sell my house you can not " ILLEGALLY AND FRAUDULENTLY MISREPRESENT THE SQUARE FOOTAGE OF SAID PROPERTY, '' thereby denying me more than 40 % of the value. Unfortunately, all of my retirement nest-egg money was in that {$1.00} million equity. So, they fraudulently sold my house, evicted me, and threw me in the gutter. Now, I am homeless, penniless, and dying on the street. How is that fair and legal? Don't we have any rights in this country. Is Grand larceny legal? Tell me why the MURDER of XXXX  senior citizens 's is legal! Don't American citizens and XXXX   residents have human rights? Please help! I am desperate and dying. Living in the gutter will kill anyone, but it is especially detrimental to XXXX  senior citizens. I will go to a jury trial ( even if they have to carry me in ) and even to the supreme court to right this injustice. Shellpoint is liable for 100 million dollars, obviously they swindled me out of over {$1.00} million of real estate equity, but the further damage to my health and loss of my personal family heirlooms and mementos is priceless. To make anyone endure this barbaric brutality is horrifying and gratuitous torture. SHELLPONT MORT. IS A VICIOUS EVIL TERRORIST CULT! ALL OF THEIR SEDITIOUS MANAGEMENT AND ATTORNEYS MUST BE INCARCERATED! SHELLPOINT MTG. IS AN EXISTENTIAL THREAT TO AMERICA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: WA

Complaint narrative:
I was charged twice for a particular product at {$95.00} in which I did not authorize. The duplicate charge was a grand total of {$190.00}. Through an ad in XXXX in XX/XX/2019, I paid {$4.00} to XXXX XXXX in regards to a trial run for XXXX XXXX purposes. There was no indication in the trial offer that I would eventually be charged a subsequent amount of {$95.00}. This was a trial run only at {$4.00} with no other indication of additional costs. Approximately 3 months later on XX/XX/2019, a charge of {$95.00} hit my bank account. I then immediately called XXXX XXXX to inquire why was I being charged this amount when it was clearly indicated that the initial cost was a trial run cost only at {$4.00}. Their explanation to me was the first payment of {$4.00} was the cost of shipping only, whereas the actual cost of the product was waived to a later date. This explanation and scenario was not indicated in the trial run offer. In the meantime, three days later on XX/XX/2019, the full charge of {$95.00} hit my account again. So not only was I charged the full amount of {$95.00}, I was charged for that amount twice within 3 days. 
From that point, I called my bank, US Bank to dispute both subsequent charges of {$95.00}. On XX/XX/2019, I faxed to them the explanation of the occurrences, but the bank claimed after two attempts that they never received my faxes. They did however receive my 3rd fax on XX/XX/2019. This brings me to where I am today. My request to the bank is to have the duplicate charges reversed and refunded to my bank account, and also impose a reprimand on XXXX XXXX for their dishonesty.

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 2019-06-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi my name is XXXX XXXX and I am contacting you because I have had continuous problems with XXXX  XXXX  and Equifax putting inaccurate information on my credit reports. I am XXXX and also have a XXXX child and this is causing a tremendous strain on my life and also the welfare of my childs life. Please make these companies remove the inaccurate information because it is fraudulent and does not belong to me so I want it removed off my credit reports at once. First I would like the following hard inquiries removed because they are fraudulent and do not belong to me XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX I want this removed from all my credit reports at once because this does not belong to me it is fraud, I also would like removed XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX - All Banks I want this removed right away because this is fraudulent and I did not apply for this I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weber & Olcese, PLC
State: KY

Complaint narrative:
My debt has already been paid off thru wage garnishment. I continue to receive written communication from Weber & Olcese, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
Original creditor : XXXX XXXX Bought by : XXXX XXXX XXXX Wages garnished by : Weber & Olcese, P.L.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Someone defrauded the goverment using my wells fargo account XXXX XXXX XXXX account and child support debit card account ... transactions i wasnt notified on and deposits I dont reconize student loans and grants taken out without authorization and w2 using my social security i didnt authorize! Someone is also, impersonating my information for goverment benefits. Agressive ID fraud and true id fraud and drivers license fraud NAICS and FAR illegal coding SAR flags on social etc

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