vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Michael J Adams PC
State: TX

Complaint narrative:
The XXXX XXXX XXXX the attorney sue me that I dont what is they been try to call me they file lawsuit. When I go to the courthouse and response to the courthouse they told me that case is already close and dissmed with out presentation to the us. The judge order judgments without party affair to the court I been response to the court myself. But no luck. I think the judges is already bought by the lawyer present the by XXXX XXXX XXXX. The judge dont my situation Im very disappointed of the judge for judgments because I cant afford the lawyer presenting me .and XXXX XXXX at the he is XXXX  XXXX very seriously sick. He couldnt walk or talk. Im been struggling to taken of him. Even been going to the courthouse the judge is already bought of his judgments. On XX/XX/2017. The judge made his judgments with out talk to us. I dont know what is creditors sue us all know I been harassed by this company. They going to sue me or put me the court with discuss to what is, I am really this appointed by the judge for not knowing our situation.. I very stressful my life since my deceased now. No ones to go. I can not afford to hired a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: DISCOVER BANK
State: TX

Complaint narrative:
I have disputed the account 4 times XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and all four times they refuse to remove this from my credit. I also called them twice to advise them that the Judge has dismissed for the following reason : 1 ) Plaintiff failed to appear for a hearing or trail of which notice was had, 2 ) Dismiss for want to Prosecution. The person didn't get her name but she told me that I just needed to wait till it drops of my credit, but in the mean time it still shows up every month on my credit. I have also Mailed them a copy of the dismissal letter dated XX/XX/XXXX and they still refuse to remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NE

Complaint narrative:
Someone opened an account fraudulently in the name of XXXX XXXX on XX/XX/2018 with Victoria 's Secret ( Comenity Bank ). When account was learned of, a police report was filed, identifying the fraudulent account with Victoria 's Secret. The police report and personal identifying documents were provided to Comenity Bank as part of a dispute of the fraudulent account. When Comenity Bank determined the account was valid, a request for file disclosure was made as allowed by way of the FCRA and FACTA. However, the only information provided by Comenity was the date of account opening and the name of which it was opened. This does not constitute file disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I wrote a personal check from my checking account from a local Colorado bank ( XXXX XXXX   XXXX XXXX ) to Chase Checking on XX/XX/2019 in order to fund out of state real estate transaction. I was told by the teller that funds will be available in 2 business days ( XX/XX/2019. ( Also printed on my deposit receipt as such ). On XX/XX/XXXX, funds were not available and service representative stated that it would not be available until XXXX of XXXX. Funds have cleared my XXXX XXXX account. 

The rationale Chase provided is it is customary to withhold availability as matter of Chase policy. 

This is the second deposit that Chase is withholding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, 60 days late in XXXX of XXXX, 90 or 120 days late in XX/XX/XXXX, 120 days late in XX/XX/XXXX, and possibly 120 days late in XX/XX/XXXX - different bureaus report different dates making it ever more confusing. 30 days late again in XX/XX/XXXX or XX/XX/XXXX again discrepancies! 60 or 90 days late in XX/XX/XXXX - more confusion! Either 90 or 120 days late in XX/XX/XXXX - I can't tell!!! and either 120 days late or no payment data for XX/XX/XXXX! then magically back on track! 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In XXXX I received a fraud alert from Capital One about 2 charges made to my account on the same day ( XX/XX/19 ) at a XXXX and XXXXt in XXXX, NJ for {$240.00} and {$220.00}. I immediately verified I had the card in my wallet and reported this as fraud. The charges were removed. This month I saw the charges had been re-added to my acct. Upon speaking with a rep ( ultimately 7 of them ) at Capital One, I was told that this purchase was made in person with the chip in my card and could not be duplicated. Because I had verified that I never lost my card they were unable to consider this fraud and I am responsible for the charges. I was first told I had to " request CCTV footage '' from the stores from 3 months prior. When I requested copies of the signed receipts I was then told I had to pay a fee for each and wait 44 days to receive them. I was later told that they could not guarantee there was ever a signature required. These are large amounts and I have always been asked to sign before. I am not being provided any proof of these charges but being told adamantly that I must have made them in person and there is no other option. I am very clear that I did NOT go into either of these stores, EVER and did NOT make these purchases. It is unfair that I am responsible for {$500.00} in purchases I did not authorize or make and I am being provided NO proof of purchase but must believe what Capital One is telling me, that they are confident the purchases were made in person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, 60 days late as of XX/XX/XXXX, 90 days late as of XX/XX/XXXX, either 90 or 120 days late as of XX/XX/XXXX, and either 120 days late or no data for XX/XX/XXXX. The inconsistent reporting makes this very confusing. Again they marked me as 30 days late or not in XX/XX/XXXX, either 60 or 90 days late in XX/XX/XXXX, 90 or 120 days late in XXXX, depending on who you ask, and again 120 days late or no data for XX/XX/XXXX! I don't remember paying any late fees or anything, this is truly outrageous!! 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Suntrust has used fraudulent and non-transparent 'posting dates ' to steal from me. They will remove money from the account, then return it, only to take the money back once the given charge would drop my balance below zero. This is clear theft by deception and fraud. Additionally, I have directed Suntrust to DENY any transfer that would lead to insufficient funds, yet they still chose to defraud me by ignoring this directive. Suntrust has committed theft by deception.

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 2019-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Phone On or about XX/XX/2019 I called the company. Because I had an item hit my credit. I use a sevice now and it alerts me daily on my credit. I disputed the debt and ask for validation. 

Midwest hit my credit AGAIN XX/XX/2019. 
Thats why I called them today ... Asking why??? 

Mr XXXX XXXX ( Very Professional ) Supervisor said that on XX/XX/XXXX it was disputed and that by XX/XX/2019 it should be taken care of. 

He denies that his company hit my credit so soon again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have two credit cards with American Express, one is a small business card for a sole proprietorship, the other is for a consumer card. 

I have not used one of the cards in ~2 years. The other has been used 1-3 times for ~ {$300.00} over the last two years. 

Since I last used the consumer card I have been charged two annual fees of ~ {$100.00} each or {$200.00} total. I have made zero transactions over this time period. 

On the small business card, I have made ~ {$300.00} in transactions and been charged {$200.00} in annual fees over that same time period. I have not used that card since the most recent annual fee. 

Approximately, a year ago I attempted to close these accounts after being charged an annual fee. I was told about some steps I needed to take first and was steered away from closing the account. 

Today after recently being charged my 4th annual fee since I stopped using these cards I called customer service to have my card closed. I spent 20 minutes on hold/with an agent only to be told about those {$300.00} in transactions which I needed to verify. ( They appeared to be fraud but turned out to be transactions made by my wife ) I called again this morning and was repeatedly transferred for 20 minutes before being disconnected. 

I called a third time this morning and was rerouted multiple times. I told the IVR I needed to close my account, the IVR verified this and then transferred me to member service. When I told them there I needed to close my account they told me I needed to speak to their cancellation department. Why in the world would the IVR verify I wanted to cancel my card and then connect me to a different department. I spent about 18 minutes on this call before I had a meeting I needed to get to. 

To summarize, 3 calls today, 60 minutes on the phone, and a 4th call about a year ago and so far I have been completely unsuccessful in closing either account. As an outsider it appears that Amex 's business strategy is to charge annual fees and make it impossible to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo " told '' my Banking Institution about not releasing funds on two checks  deposited into my account. I deposited on XX/XX/19 and my " X '' bank placed a hold " post-deposit '' on XX/XX/19 based on Wells Fargo information. 
Wells Fargo had until the XXXX to respond if funds will be released to " X '' bank. Account holders from Wells Fargo that gave me those checks have had funds taken out from their account posted XX/XX/19. 

It is now the XXXX and nothing has been released. 

Wells Fargo had closed my account after being a customer for 20 years with no reason. 
Now I feel Wells Fargo may be basing these decisions on my ethnicity and gender, and maybe the ethnicity of the makers of checks since we are all XXXX. 

I have been with " X '' bank for approx. 25 years and only have problems with Wells Fargo checks since they closed my account after 20 years. ( 4 years ago. ) I have gone in to Wells Fargo to cash checks. Always telling me to stand aside while they take my ID and wait a minimum 15 minutes only to ask why I was given these checks, and still continue to wait for a " decision ''. These checks are same amount every month. Wells Fargo always makes me feel as if criminal to cash checks. 
Does Wells Fargo have to decide FOR the Maker of check if I am worthy of monies owed? 

Wells Fargo does not want me to cash or deposit checks without making it an issue.

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 2019-07-10 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am requesting information from KOHLS Dept Store on a credit account they are reporting to XXXX  XXXX XXXX. I requested an investigation of the account status and how it was being reported. Please confirm the status of your response to the following credit reporting agencies ( XXXX, XXXX, XXXX ) in XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Company identifies itself as " Credit Managment '' Repeatedly and consistently every week day calls me between 5 and 10 times. They have been calling for months but the statistics listed below just count XX/XX/XXXX through XX/XX/XXXX. I've told them to stop calling me. I've told them to remove my number from their list. I've asked them send any correspondence through mail. The calls as you see, are endless. They call from several numbers, and that data is below as well. I would like to sue for XXXX per call, just from XX/XX/2019 until I get satisfaction and the end of their harassing calls. I've documented 29 calls below, but I can go back for months via my cell phone bill. 

Calls from XXXX XX/XX/XXXX : 11 calls calls from XXXX XX/XX/XXXX : 3 calls, XX/XX/XXXX : 1 call XX/XX/XXXX : 2 Calls Calls from XXXX XX/XX/XXXX : 2 calls Calls from XXXX XX/XX/XXXX : 2 calls, XX/XX/XXXX : 2 calls, XX/XX/XXXX : 3 calls Calls from XXXX XX/XX/XXXX : 1 call Calls from XXXX XXXX XX/XX/XXXX:1 call, XX/XX/XXXX 1 call

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
I have had a car loan with Santander Consumer USA since XX/XX/2016. I have paid it on time every month. Santander Consumer USA has only sparingly reported my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank ( who will be called Citi moving forward ) approved me for a their ThankYou rewards card in XX/XX/XXXX for a credit limit of {$4800.00}. I accepted and utilized their promotional balance transfer period for 0 %. I had been making payments on-time and over the minimum amount. I then received a notice that my credit limit had been reduced, due to information they found on my credit report ( I did not authorized them to pull a new credit report ). This occurred on XX/XX/XXXX. I called and had them reinstate the credit limit to the {$4800.00}, however, today XX/XX/XXXX I received another notice that my credit limit has been reduced yet again, due to a new credit report ( again did not authorize them to pull a new credit report ) and a " new '' reason for the reduction. Between XXXX and XXXX, I paid off the whole balance of the ThankYou rewards card, and until today, had {$4800.00} available. There is no legitimate reason for Citi to be continually reducing my credit limit and by doing so, is affecting my credit score. By altering my revolving credit on a continuous basis, I would be unable to apply for other lending services like a mortgage due to Citi 's continual manipulation of my credit limit. Citi 's continual manipulation of my credit limit, and by consequence, my credit score is a violation of the Fair Credit Reporting Act as they continually manipulate my credit worthiness. I have no missed payments on my credit report and have years of credit history, there is no legitimate reason for Citi to be manipulating my credit limits, credit score and credit worthiness. Citi, legally, does not have the legal rights to restrict me from other credit opportunities by manipulating the credit limits that were contracted in XXXX. As a consumer, I have satisfied my part of the contract by making timely payments and/or paying off the balances within the prescribed terms and conditions of the contract. Citi is not allowing me to have the freedom to utilize the credit limit that was originally agreed upon in 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 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: MO

Complaint narrative:
Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On Sunday, XX/XX/XXXX I deposited a Cashiers Check for {$91000.00} into my Bank 's, Bank of America, ATM. The bank is holding the money till XX/XX/19. 

It is my understanding that banks are required make the first {$5000.00} available in one business day. 

There has never been an overdraft with my account and the bank has received previous cashiers checks from the issuing entity with no funding problems previously.

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 2019-07-10 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI

Complaint narrative:
On XX/XX/2019 My wife and I sold our home and paid off a second mortgage. We moved to Wisconsin to be closer to family when we retire. One Main Mortgage reported the account paid in full. XXXX reported it as a short sale. The mortgage company says they did not report it this way and the credit report says they did. While they are pointing fingers at each other we were told that we CAN NOT PURCHASE A HOME FOR THREE YEARS!!!!! 
While they may not care or feel amused by this I assure you we are not. 

My wife and I would appreciate any help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All three credit bureaus are not showing 2 checking accounts I have had for years. The XXXX XXXX XXXX XXXX is one XXXX XXXX  XXXX XXXX XXXX is the other. I also have a loan and utilities are paid with the XXXX XXXX XXXX XXXX account. I own three lots on XXXX XXXX in XXXX Texas that are title and deeded to me. I also lease a lot on the lake through XXXX county Texas. I own a single wide trailer, a pontoon boat a seafood, a 2013 XXXX XXXX, a 2000 XXXX XXXX, a 1965 XXXX XXXX. None of this is reporting on any of my reports so I am turned down for credit cards and for loans because the bureaus have no credit or FiOS score for me because they are not reporting any of my history. I have contacted and worked to get old debt stuff changed and personal info updated.

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 2019-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
Not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I have previously asked Tower Loan of XXXX, Ms not to call me at my job and they called and left a message that was taken by my coworker. XXXX left a message to give him a call

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