vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: FL

Complaint narrative:
I purchased  US Bank pr epaid Mastercards #  XXXX  and  XXXX  with initial value of {$200.00} in  XXXX   XXXX .   I opened packages with these cards in  XXXX   XXXX  and discovered that money has already been stolen from these cards in  XXXX  and  XXXX   XXXX ! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted the merchant (  XXXX  ), they found these transactions and said that money have been transferred to a fraudulent  XXXX  account. They suspended that account, but according to  XXXX  they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 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 monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: CO

Complaint narrative:
I signed into a one year contract with a security system company because I knew I was moving in a year. I specifically told the salesman that. He refused to give me a copy of the contract. After a year of having the service and letting the company know that I would be moving and would not be renewing my contract with them they told me that I had signed  a 5 yr  contract. They told me to look at the contract and I told them I never received a contract. They then sent me the contract and I saw where the salesman had forged the contract and circled the 5 years part of the contract. I informed them that I never would 've ever signed anything that was over a year and that he forged it after he left the house which is why he did n't leave me a copy. She even said that the salesreps are known for that. The contract was signed on   XX/XX/XXXX    . I was contacted  XX/XX/XXXX  that a collection company was trying to collect the  XXXX  and threatening me with a lawsuit and telling me that they would never stop trying to collect. I have tried to get the collection removed from the credit bureaus by disputing the item to no avail. It is keeping me from purchasing a home loan at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
In   XXXX   XXXX    , I was contacted by  XXXX   XXXX   XXXX  of  XXXX   XXXX , CO through their  XXXX , AZ office indicating that they were representing Velocity Investments, LLC regarding a loan that I had with   XXXX   XXXX   XXXX   that was purchased by Velocity Investments, LLC.  XXXX   XXXX   XXXX  proceeded to violate multiple sections of the FDCPA and Colorado FDCPA as well as numerous Illinois consumer protection laws regarding debt collectors. Specifically,  XXXX   XXXX   XXXX  called my employer  20  times in  one  day and when I did not timely return a message that was left, the collector called every member of the  executive  management team at my place of employment and left messages on each persons voice mail to contact  XXXX   XXXX   XXXX  regarding a matter concerning me. A message was also left on the HR Mgr. voice mail to call regarding an issue with my payroll. I was threatened with wage garnishment and the debt was disclosed twice to my  Mother  who is not a responsible party to the loan. After numerous emails asking the agency to stop calling me at work and being ignored, I finally submitted a cease and desist request to the owner of the company and threatened to sue them for the FDCPA violations. The matter was referred to the corporate attorney Mr.  XXXX   XXXX  who subsequently offered me a cash settlement of {$1000.00}. I rejected the settlement offer and requested that the issue of the debt be resolved. Mr.  XXXX  informed me that  XXXX   XXXX   XXXX  nor he is no longer handling the account and that it has been referred back to Velocity Investments, LLC who now owns the account and that legally he nor  XXXX   XXXX   XXXX  can discuss the account with me. I have sent  3  unanswered emails to Velocity Investments,  LLC in an a ttempt to find out who is handling the matter in an attempt to address not only  XXXX   XXXX   XXXX  and their abusive collection tactics on behalf of Velocity but the debt and its disposition. No one will respond to me. I contacted Mr.  XXXX   XXXX  by phone who identifies himself as the Compliance  Officer  a t Velocity Investments, LLC  and he claims that he needs to confirm from  XXXX   XXXX   XXXX  that they are no longer handling the matter before he can discuss it with me. I gav e Velocity Investments, LLC  more than 10 days to confirm that and contact me and they have not done so. If Velocity Investments, LLC refuses to address the issue of the debt with me and the abusive and illegal collection tactics of their collection agency with me, I believe that the CFPB should intervene on my behalf and also take discipline actions and monetary sanctions against Velocity and  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX   XXXX   (  same as    XXXX   XXXX   XXXX   XXXX   ) refus es to report my account  XXXX   XXXX   XXXX   XXXX  as settled in full which  it was via    XXXX   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX   ).  I filed dispute with you for  XXXX  and Transunion last year. Transunion fixed it, but  XXXX  dispute ( #  XXXX  ) produced NO results  (   XXXX    XXXX   ). Since then I have to dispute this with  XXXX  every month as they take this in and out of my report . Pls review  my previous dispute (  XXXX  ) - THEY ARE THE SCAM! Pls verify with  XXXX   XXXX .    XXXX   XXXX  says that I have another account with them #  XXXX   XXXX   XXXX   XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD,  XXXX  (  XXXX   XXXX   XXXX   XXXX .     PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over  XXXX  in credit card debt and it is all clean except these  XXXX  stupid accounts that I am not liable for.   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 2017-04-28 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: Total Card, Inc.
State: IL

Complaint narrative:
XXXX  Bank  ( same as Total Bank , Inc )  refuses to report my account  XXXX   XXXX   XXXX   XXXX  as settled in full wh ich it was via    XXXX   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX  ). I filed dispute with you for  XXXX  and   XXXX   last year.  XXXX  fixed it, but  XXXX  dispute ( #  XXXX  ) produced NO results  (   XXXX    XXXX   ). Since then I have to dispute this with  XXXX  every month as they take this in and out of my report.  Pls review  my previous dispute (  XXXX  ) - THEY ARE THE SCAM! Pls verify with  XXXX   XXXX .    XXXX   XXXX  says that I have another account with them #  XXXX   XXXX   XXXX   XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by  Total Card Services,   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD,  XXXX  (  XXXX   XXXX   XXXX   ).      PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over  XXXX  in credit card debt and it is all clean except these  XXXX  stupid accounts that I am not liable for.   Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: Retail Merchants Associates
State: TX

Complaint narrative:
I had auto withdrawal set up for my account when i moved i was not informed that my last month would not be automatically withdrawn. I received a called from the collection company saying i owed one month. I informed that had to be incorrect and called the apartment complex. I then called the collector back and informed i had no knowledge that i owed and would pay for delete the agent agreed and even faxed a statement over informing this. I paid and they will not delete off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
In  XXXX    XXXX  , I was contacted by  XXXX   XXXX   XXXX  of  XXXX   XXXX , CO through their  XXXX , AZ office indicating that they were representing   XXXX   XXXX    XXXX  regarding a loan that I had with Prosper Funding, LLC that was purchased by   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX  proceeded to violate multiple sections of the FDCPA and Colorado FDCPA as well as numerous Illinois consumer protection laws regarding debt collectors. Specifically,  XXXX   XXXX   XXXX  called my employer  20 times in one da y and when I did not timely return a message that was left, the collector called every member of the executive management team at my place of employment and left messages on each persons voice mail to contact  XXXX   XXXX   XXXX  regarding a matter concerning me. A message was also left on the HR Mgr. voice mail to call regarding an issue with my payroll. I was threatened with wage garnishment and the debt was disclosed twice to my  Mother  who is not a responsible party to the loan. After numerous emails asking the agency to stop calling me at work and being ignored, I finally submitted a cease and desist request to the owner of the company and threatened to sue them for the FDCPA violations. The matter was referred to the corporate attorney  XXXX   XXXX   XXXX  who subsequently offered me a cash settlement of {$1000.00}. I rejected the settlement offer and requested that the issue of the debt be resolved.  XXXX   XXXX  informed me that  XXXX   XXXX   XXXX  nor he is no longer handling the account and that it has been referred back to   XXXX   XXXX   XXXX   XXXX  ho now owns the account and that legally he nor  XXXX   XXXX   XXXX  can discuss the account with me. I have sent  XXXX  unanswered emails to   XXXX   XXXX   XXXX   in an attempt to find out who is handling the matter in an attempt to address not only  XXXX   XXXX   XXXX  and their abusive collection tactics on behalf of Velocity but the debt and its disposition. No one will respond to me. I contacted  XXXX   XXXX   XXXX  by phone who identifies himself as the Compliance Officer at  XXXX   XXXX ,  XXXX  and he claims that he needs to confirm from  XXXX   XXXX   XXXX  that they are no longer handling the matter before he can discuss it with me. I gave  XXXX   XXXX ,  XXXX  more than 10 days to confirm that and contact me and they have not done so. If   XXXX   XXXX   XXXX   refuses to address the issue of the debt with me and the abusive and illegal collection tactics of their collection agency with me, I believe that the CFPB should intervene on my behalf and also take discipline actions and monetary sanctions against  XXXX  and  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX / XXXX /   2017. Wells Fargo Mortgage, one of  the largest corporations in the nation and yet they can not take a debit card for payments online, must have a bank account with routing number. Have called and spoke about my unbelief that they can not accept a debit card, and it was verified that they do not at this time.

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 2017-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capit al One Auto Finance is no t bonded in Texas and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NE

Complaint narrative:
The  XXXX   XXXX   XXXX  has my name as consigned on a loan they sold the  Nationsl Collegiate Trust and it is now being serviced by American Education Services.  I have made aes aware that fraud took place and my name should not be attached to any loan. I did not sign for or agree to consign on the loan and I have spent the last 11 years arguing with them. They continue to delay and side track the entire time but do nothing to clear this up. I have filed a fraud packet  in 2006 but ae s sent it back because I could not name den aes.the. Responsible party. My credit has only  XXXX  negative mark and that is aes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My wife and I signed up for a chase sapphire card. I purchased a {$3000.00} mountain bike with no problem, I then called the bank with some questions. Afterwards I attempted to purchase a {$1.00} hot dog at a gas station and the card was declined. Shortly after, the bank fraud department contacted my wife and were very aggressive. They stated that since I had a  XXXX  name, and she had an American name, they thought that I was a fraud, even though we had another credit card with them for over a year. They were claiming that they were protecting the bank and the customer against unauthorized purchases. I complained several times for months and my complain fell on deaf ears. Just a couple of days ago I went into the bank to close my account and the teller filed a new complain, but the complain seemed to be registered as coming from my wife and not myself and suddenly she get a call from the bank stating that they are investigating. So I, a  XXXX  male complains for months and no one cares and then a complain is resisted as coming from a white female and they quickly make a call stating that they are investigating. Also, if they were protecting the bank and the card holder against fraud like they claim, why not decline my $  XXXX  purchase rather than a {$1.00} hot dog? They broke the law as they declined me credit based on my nationality and national origin. Denying me credit that I 'm entitled to based on my national origin is unlawful and I will sue this bank in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
Elan Fi nancial Cardmember service   XXXX   XXXX    XXXX   XXXX , ND  XXXX  Closed my Credit card account without my permission or knowledge they used a  XXXX  request to close my account from another party, when i called and questioned this i was told that I requested the Closure ( I did NOT!! ) when I informed them that i did no such thing i was told well it looked like you so were sorry but there is nothing we can do when i asked to speak to  a manager about it i was told they did not have time to talk to me and they would have to return my call within 24 hours it has now been more than a week since i reported this fraud and NO one has conta cted me regarding this problem

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 2017-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PACIFIC WESTERN BANK
State: CA

Complaint narrative:
They never answered me with details of this account. They said it was frozen, now they say it was closed. Insufficient reply, without all the account details. Just to say the account is closed is not good enough, especially when th e U.S. Justice Dept. Had a case against this bank when it failed, regarding corruption. The bank name was *Affinity and it changed to *Pacific Western Bank . I 'm requesting an inv estigation as a consumer, with your agency.

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 2017-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: OR

Complaint narrative:
Applied for the key bank mortgage loan it took them over three weeks to get me a pre approval letter. Was given the run around from day  one from the loan officer about the status of them processing my info for the loan. Very few and far in-between call backs or email reply 's back if any at all. I had to go down two the branch and had to deal with a branch manager  to get any thing done or a response most of the time. I finally got a pre approval letter email to me. I was never furnished with any criteria for the loan requirements just told verbally that it would work on any house and what the basic criteria was for the lone. So then I start looking for a house after looking at about  10  or more finally put in a offer on one. The buyer accepted the offer so I then notified the bank that they would be receiving the purchase contract. This was on  XXXX / XXXX /  XXXX   the same day my realtor sent the paper work to the bank for underwriting. On the following morning I received a phone call from a guy at key bank saying that they got my paper work and that he needed to talk to me about my loan. So I called him back the same day and he told me that the loan officer did not no longer work for them. Then he told me that my loan would not work for the house I had a offer on that was accepted by the seller. I asked why he told me that I made to much money for the loan and I told him none of this was ever shown to me or disclosed to me. Played stupid about the whole situation and never mad a attempt to actually fix the very big issue other than just try to play it off and offer me a loan at 5 % down when the loan I should have had was 100 % financing- first time home buyers they made no real attempt to fix the issue, poor communication, no responses, and waisting lots of my time and a sellers time on a deal that was never going to happen time spent looking at houses and running around for cashers check for the deal. All to get a phone call that should have never happened all the reasons why I will never do business with key bank nor any  one  in my family. Thanks for the scummy lies, and waisting peoples time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I notifi ed American Express that i  have been a victim of Identity theft as soon as I found out. It was on  XXXX / XXXX /   2016  when I notified all  XXXX  credit bureaus with affidavits from my lawyer and a police report. They did n't remove it from my report which I requested. As of a month ago I sent another affidavit asking for the original contract signed stated by the Fair Credit Reporting Act  section 609 ( a ) ( 1 ) ( A ) that they are required by federal law to verify through the PHYSICAL verification of the ORIGINAL SIGNED Consumer contracts. I currently live in TX which by law in order to collect they must be bonded with the Secretary of State in which American Express is  not. I am demanding that the credit card of a balance of {$1500.00} be removed immediately. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
This company is charging for a balance that I do n't owe. I have never been to this company and they report a {$66.00} charge on my credit report to all  XXXX  agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have several student loans on my account, in which most are duplicates. I brought this to the credit bureaus attention and explained if they weee unable to determine which loan was what and what was a duplicate. Then I felt it needed to be removed. They told me 30 days and I would see the accounts removed since they did confirm mostly all were duplicates. Here we are almost 3 months and no account have bee removed and they are still giving pull back when they have the proof. Please investigate this matter.

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