vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
I called Ameri Cash Loans on XX/XX/2019 and spoke with a representative by the name of Ms. XXXX XXXX in the collections department and attempted to arrange for a one time settlement payment to settle the payday loan debt that I owed it has been over 1 year. Since it has been more then a year the loan was taken out and they continue to charge interest is illegal and unethical. I was unemployed for over a year I have been unemployed and recently had no access to money I tried to arrange a settlement payment to satisfy the loan for {$1700.00}. I offered to pay half of the debt for the amount borrowed the representative I spoke with refused to my offer of {$780.00} because she wanted me to pay {$2500.00} which I clearly communicated I did not have to pay because the place I am working with is a temporary job and Im not sure how long I will remained employed with them. I did go ahead and make a one time payment of {$780.00} for the loan but I am afraid they will keep harassing me and attempt to take payments of my card when I may be unemployed again due to the job not being permanent. They have an outstanding balance of {$4200.00} shown as owed when I only borrowed {$1700.00} I want to be done with this company and the unpractical tactics to get money out of people. This is is unacceptable and I show not have to pay this loan due to the company unwillingness to accept a payment of the original amount I borrowed I can not pay more then what was borrowed. If someone can help me with this issue I would be forever grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I do not wish to report bank of am badly but this is weird been a good customer with them for years Had an offer for business travel card applied on XXXX XXXX was denied. thought it was wrong called today told there is no record of my SS number when i look on the check status box too there is no record under my SS number which is also odd. I feel somoene may have compromised my SS number this is the only one i used. 
i need this looked into. i did apply was rejected also a fraud alert should have been triggered but response i got online does not indicate this. 

I am troubled by it. 
I also want to say regarding my card ending XXXX that i know the interest is valid and i appreciate bank returning fees the request i made for XXXX was declined i am sad about that. i need that back too this charge made responsibly was for property tax es on a home i have had vacant for one year and two months it has been a hardship. that said, i maintain all my accounts well Once i get that back and i know its valid i will do a balance transfer on my other account. please help. 
Please address these 2 issuees and i dont need to be reminded i got the interest refunded or how to avoid it. I know that as my long term record reveals its just a hard time now that and my loyalty should mean something here. i hope 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 monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I had {$200.00} withdrawn from my account which I did not remember authorizing I called Coinbase and emailed them. While over the phone we were able to figure out that I did authorize the withdrawal 4 days later on XX/XX/XXXX I get an email from Coinbase that they have put my account on a temporary freeze due to the email I sent about the {$200.00} bank withdrawal. I have tried multiple times emailing and calling to have my funds released. But they have not been helpful Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I was on a business trip over XXXX XXXX weekend. On XX/XX/XXXX, there were several transactions on my PNC checking account : {$100.00} at an ATM, {$35.00} ACH ( XXXX ), and another {$3.00} ATM fee. They appear on my statement in this order. There were NO transactions after this until XX/XX/XXXX. 

On XX/XX/XXXX, I was hit with a {$36.00} overdraft charge. My account was overdrawn by {$3.00}. The bank is arguing that since one of the charges was ACH, they can take this amount even though I was less than {$5.00} negative. 

Also on XX/XX/XXXX, an ACH for my XXXX XXXX   XXXX  subscription was approved for {$3.00}. Another {$36.00} fee was added to my account. I am opted out of overdraft protection so I think this charge should have just declined, but the bank approved it and charged me a fee for it. 

So I have been charged {$72.00} in fees over {$7.00} total. 

I did have pending deposits coming in that would've covered that {$7.00} by far, but the XXXX XXXX holiday postponed it. The bank is refusing the refund either of the two {$36.00} fees, which I find to be absolutely exorbitant. I've been a customer of theirs since 2012 and I find their treatment to be reprehensible. It doesn't make sense to fine someone {$72.00} over {$7.00} when they've been a good customer and are clearly going through a financial rough spot- I will admit this, but I still think the fees are excessively harsh and only hindering my financial progress.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
5/3 bank is repeatedly finding ways to overcharge its customers with excessive bank fees. 
On XX/XX/XXXX I had a positive balance of {$19.00}. We made several online movies purchases and went slightly over by - {$6.00}. The 5/3rd bank is overdraft charging my account in the amount of {$140.00}. " see the attached document ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: UT

Complaint narrative:
I found Midwest Recovery Systems on all three of my credit reports and I've never even heard of the account. It says it's for a pay day loan and I've never opened one before. My identity was stolen a few years ago and I have an fraud alert but somehow these people still harass me, them showing up on my credit report is the final straw. I get phone calls all the time threatening to arrest me. I believe Midwest Recovery Systems is behind every problem I've had and they're responsible fully for my identity theft. It's the same company, they just change their me every year because they start to get so many complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XX/XX/19 in the amount of {$4000.00} was taken from my checking account after the loan with Lakview was paid in full, due to a refinance through another company. 

Lakeview Ln Srv Mtg Pymt XXXX XXXX XXXX XXXX XXXX {$4000.00} I have since tried calling them numerous times and have also emailed them asking for my money back. I was since laid off inXX/XX/2019and need my money back asap so that I can keep up with my new mortgage payment. The account was closed and paid in full, and I do not understand why the amount was ever even taken in the first place! They have said a check was sent out, when it wasn't. Then asked me if the amount was included in the escrow closing amount, and it wasn't. I had to wait a month to have a new check reissued and they again would not send it with a tracking number. This has now been almost 3 months!

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 2019-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I have been in communication with Wakefield & Associates. I have asked them numerous times to VALIDATE the debt. I explained I have no business contract with Wakefield & Associates. There isn't an agreement bearing my signature or any employee of Wakefield & Associate. They said they are no longer disputing because I didn't prove or show any new facts or information. They sent a letter stating they have requested to report on my credit report. I don't feel that is fair or legal. According to law, they are suppose to cease all collection activity until they can validate the debt. Which includes adding themselves to my credit report. Wakefield may need to read 73 AmJur 2nd, sections 90 and 93 which is a Supreme Court law!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
There is several items on my account that doesnt belong to me and payment history is incorrect../ I have made several attempts to distribute or contact the agency and it has fallen on death ear ... I am at the point that I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Technology Federal Credit Union
State: GA

Complaint narrative:
I tried to open online a joint account with my Mom at First Tech CU in XX/XX/XXXX. We were denied membership, I assume, because one of the security questions was not answered correctly. Now in XX/XX/XXXX, I have discovered that First Tech retrieved about {$110.00} from my mother 's hometown credit union to fund the account that was never opened. This information was discovered only because my mother decided to close her hometown credit union account and noticed a withdrawal to First Tech. I called First Tech and talked to a representative who told me initially that First Tech mailed a cashier 's check to my mother refunding her for the debited amount in XXXX XXXX. When I inquired whether the check had been cashed, I was put on hold for a long time. When the rep returned she informed me that she was mistaken about the cashier 's check and that the money had been in a " holding account '' since XXXX XXXX. She also said a supervisor would call me to explain what happened. I have called the company three times to get this information. The supervisor left a voice mail after my first call but has not bothered to reach out to me since then. There is no telling how long First Tech would have held on to my mother 's money if we had not noticed the withdrawal from my mother 's hometown account. The lack of notice and poor response by First Tech about this matter is absolutely unacceptable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: AZ

Complaint narrative:
Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  partial account number XXXX. ( Please see pages 4 and 10 of the  attached credit report. ) I have already called XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 4 and 10 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

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 2019-05-29 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: AZ

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting a 30 day late payment on the XXXX partial account number XXXX. ( Please see pages 5 and 6 of the attached credit report. ) I have had this loan for quite some time. I make these payments at different times of the month, but always prior to the due date. I had spoken with a representative to scheduled bi-monthly payments or even bi-weekly payments, but was told that this type of payment arrangement could not be scheduled. The late payments being reported in XXXX and XXXX was an oversight. I was dealing with an illness in my family. I had contacted the mortgage company and notified them that I was going to be late on these payments. Recently I began paying the mortgage on line, however there was an issue with their website. I made the payment however it was posted as the XX/XX/XXXX payment and really this should have been posted as the XX/XX/XXXX payment. Consequently, the error with their website sparked the late payment. This incorrect reporting is harming my credit score. Please remove these late payments from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Disputed a charge made on XX/XX/2019, by the XXXX XXXX for {$300.00}. Along with my dispute, I provided proof of payment for a higher amount made with an alternative payment method. The provided document shows provide the payment method used which is not the CHase card the dispute is being filed on. It also displays a final balance reflected of XXXX dollars, with a charge authorization code for my alternative payment method. Chase representatives have refused to complete the dispute, wanting my personal financial information from another bank. This demand represents a breach of my personal financial information which chase has no need of or right to. The invoice displays the last 4 digits of the alternative card used clearly showing it not the card associated with this disputed charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I have contacted Wells Fargo several times about this issue. Several years ago I agreed to split the mortgage in two, one half to be paid on the first of each month, the second half on the 15th, deducted from my bank account electronically. When my financial situation changed, I arranged to pay once a month, at the end of the month, electronically by myself. When this was arranged, I had already paid off the month and they agreed to start this with the coming month. 
Since then they have added a late fee of 50+ dollars every month, which now adds up to over {$1000.00}. I have never missed a payment, and dealing with them is like pulling teeth. I was even told by them that, because of my late fees, I can not refinance or look for a more decent mortgage company. 
I do not owe this late fee, and I will do anything to get this off my bill. This is one of the worst financial companies I have ever dealt with. The original mortgage company sold me off to these people and I had no choice. Why do we consumers do not get to choose who is sucking the blood out of us? My monthly mortgage keeps going up for all kinds of reasons given, it is now 100 dollars more than when it started, not only because of taxes ( my property taxes are included in the mortgage ) but somehow something needs to get paid and I have no clue what it is. 
Before I get a lawyer to handle this I want you to know about what Wells Fargo does. Considering their track record makes me even more mad that I had no choice in services when my loan was pawned off. We had an agreement that I can pay at the end of the month because of my financial situation and my paychecks, and they do not uphold their end.

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 monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
This company has been calling my phone more than once to collect a debt. The first time they called, the representative held the phone and later disconnected the call. The second time, they called my phone and hanged up as soon as I picked up. When I call back, I received an automated system which indicated the caller is SUNRISE CREDIT SERVICES. 

When transferred to speak with a representative, the person on the other line requested a name that I had no idea who the person is. She indicated the call was a mistake. 

Unfortunately, this company has called my phone a bit too much and it needs to be reported.

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 2019-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Normandy Corporation
State: MI

Complaint narrative:
applied for a construction loan with XXXX XXXX  XXXX in XXXX of 2019. On XX/XX/XXXX they sent me an offer that I agreed to. I them sent them over {$900.00} for application fee, and appraisal fee. The appraisal came back on XX/XX/XXXX and Normandy sent me a commitment package and asked me to pay another fee. In that package was a new draw schedule that didnt match the one I agreed to. original draw had an amount of {$40000.00} at closing, now that was reduced to {$13000.00}. this wont work and I would not have agreed and sent them any money. I told them this and they offered to raise my loan amount to give me a larger draw. Payments would then be higher then what i want to pay. All im asking for is my money back, not to mention they have put me behind over a month on finishing me home. I will send copies of both draw schedules.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX;XXXXandTransunionarereportinga30daylatepaymentontheXXXXpartialaccountnumberXXXX.(Pleaseseepages5and6oftheattachedcreditreport.)Ihavehadthisloanforquitesometime.Imakethesepaymentsatdifferenttimesofthemonth,butalwayspriortotheduedate.Ihadspokenwitharepresentativetoscheduledbi-monthlypaymentsorevenbi-weeklypayments,butwastoldthatthistypeofpaymentarrangementcouldnotbescheduled.ThelatepaymentsbeingreportedinXXXXandXXXXwasanoversight.Iwasdealingwithanillnessinmyfamily.IhadcontactedthemortgagecompanyandnotifiedthemthatIwasgoingtobelateonthesepayments.RecentlyIbeganpayingthemortgageonline,howevertherewasanissuewiththeirwebsite.ImadethepaymenthoweveritwaspostedastheXXXXpaymentandreallythisshouldhavebeenpostedastheXXXXpayment.Consequently,theerrorwiththeirwebsitesparkedthelatepayment.Thisincorrectreportingisharmingmycreditscore.Pleaseremovetheselatepaymentsfrommycreditreport.

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 2019-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
My bank was drafted on XX/XX/2019 for XXXX. A copy of the bank stmt showing the withdrawal was sent to Nissan. It has been over 60 days and they still have not posted the payment to the account. A payment shows posted on XX/XX/XXXX for over XXXX, yet they are reporting to the credit bureaus XX/XX/XXXX being 30 days late. They are also reporting XX/XX/XXXX as being 30 days late. How can a XX/XX/XXXX payment be 30 days late when it is still XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: Critical Resolution Mediation LLC
State: PA

Complaint narrative:
Hi im writing to you regarding this company again for the 3rd time. the company name is Critical Resolution they continue to harass me regarding " debt owed '' they threaten to take you to jail, curse at you, over talk you, threaten to contact and come to you work, and have called 5 people in my family regarding this matter. i have asked them to stop calling and only contact through mail if this is a real deal situation. they threaten to sue me and arrest me. i can not continue to have to this happen. I know my rights as a consumer and tell them i know the laws and they just laugh at you. please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation