vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/19 A Direct Deposit from XXXX was set to deposit in my Chase Checking Acct and showed pending until XX/XX/19 causing 2 overdraft fees of {$34.00} each. I called XXXX to ask for a refund on these fees as it was not my fault that the Direct Deposit did not go through normally. I was refused the refund as in XX/XX/2019 I had a fee reversal for a unauthorized debit causing a fee. I asked to speak to a supervisor and explained I can not afford to throw money away over a bank deposit issue she could not help me either. I do not think this is fair and I am asking for help with this issue as I am not able to get help from XXXX.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I applied for a XXXX 's credit card on XX/XX/XXXX and my application was denied. On XX/XX/XXXX I received a letter from XXXX XXXX in XXXX, FL indicating that the reason for my denial was that " Credit bureau reports applicant is deceased '' and that if information is incorrect I should contact the credit bureau - Experien in XXXX TX. I called and the first think they asked for was by social security number which I refused to give. 
Obviously I am not deceased and I do not give out my social security number to prevent identity theft. This seems much like a scam to me. - XXXX 's should be notified and both XXXX XXXX and Experian Credit Bureau investigated to prevent others to be exposed to this scam.

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Had a 2011 XXXX XXXX that was total out paid every month they even sent a overpayment check back and report it me late had never been late ever

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Had a XXXX  XXXX XXXX that was total out paid every month they even sent a overpayment check back and report it me late had never been late ever

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: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: VW Credit
State: FL

Complaint narrative:
i have been under identity theft since 2004 a car was purchased in my name and it wasnt me and now when i try to get a new vehicle they bring up the vw credit incident

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 — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I applied for a Lowe 's credit card on XX/XX/XXXX and my application was denied. On XX/XX/XXXX I received a letter from Synchrony Bank in XXXX, FL indicating that the reason for my denial was that " Credit bureau reports applicant is deceased '' and that if information is incorrect I should contact the credit bureau - XXXX in XXXX TX. I called and the first think they asked for was by social security number which I refused to give. 
Obviously I am not deceased and I do not give out my social security number to prevent identity theft. This seems much like a scam to me. - Lowe 's should be notified and both Synchrony Bank and XXXX Credit Bureau investigated to prevent others to be exposed to this scam.

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 — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I saw a debt owed on my credit for {$540.00} I called and told them they had not sent me notifications in reference to the debt I asked for a manager and was told a manager would call me back in 48 hours I have yet to receive the call. I also asked for the first and last name of the rep she told me her first name then said she didnt have to tell me her last name and hung up. I told them this is not my debt as well as the other debt that they have in their office because my id was stolen. On the second debt they sent me validation but no where is my signature on the paper and it is not my debt due to my Id being stolen around this time. I am requesting they remove the debt from my credit report and send me validation with my signature on the paper. Also I am requesting for future reference and per the fair credit reporting act before they put the information on my credit report to notify me in writing as they have my correct information because they have had another account in their office for over a year which is not mine

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: 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: NC

Complaint narrative:
I started out by disputing this inaccurate late payment with XXXX in XX/XX/2018. I have still yet to get a proper investigation of this matter with either XXXX or Transunion and XXXX. Ultimately it is now on Transunion and XXXX  to remedy the problem because they are reporting the inaccurate item. The creditor XXXX tells me to contact credit bureau and the credit bureau tells me to contact XXXX. Both companies point fingers and do not do anything to help me out. As you can see from my attachment I have added my current dispute which was send on XX/XX/XXXX.In addition it has a copy of my XX/XX/XXXX online credit report which shows that this late payment is not even reporting on my XXXX account and hasn't been ever. It doesn't not make sense for a late payment to report on 2 of the 3 credit bureaus especially if it claimed to be accurate after your investigation. I was not late on this account and it is impacting my current profession significantly and needs to be addressed properly.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: HGREG.com
State: VI

Complaint narrative:
On XX/XX/2019 I contacted H Gregory XXXX XXXXXXXX XXXX  Hgreg.com XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX and inquired about purchasing a car from they company. On XX/XX/2019 I wire transfer {$8500.00} to there bank account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I spoke with a XXXX XXXX XXXX in references to the car I would like stock XXXX. XXXX XXXX indicated it had an A/C problem and the car will be available that XXXX XXXXXX/XX/2019 and he recommended that I used a inspection company XXXX XXXX XXXX XXXX  to inspect the car before I ship to XXXX XXXX XXXX XXXX XXXX On XX/XX/2019 they company I hired to inspect the car call and stated they can not because the car was not available. I call XXXX XXXX to find out what the problem and he stated they have not received the car from there XXXX department and don't worry they could come back on XX/XX/2019 to inspect the car which they tried again and car was not available. I contact XXXX XXXX for my money to be wire back into my account and as of today date I have not received my {$8500.00}. 

I would like some kind of help to get my money wire back into my account. 

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 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I purchased my home in XX/XX/XXXX. At the time my property taxes were not included because it was a new sub division and had not been assessed. In XX/XX/XXXX I contacted US bank to inquire about adjustments and if or how much my payment would increase due to taxes. They told me that they would recalculate the property taxes in or around XX/XX/XXXX - XX/XX/XXXX and that my payments would increase after that. Well nothing happened for an entire year my payments remained the same. I didn't receive any notices, phone calls which they call me constantly after the first of the month even though I have 15 days grace period to make the payment. But I was never notified. In XX/XX/XXXX I attempted to make a payment using their online payment site and wasn't able to make the payment it showed a payment of over 3800.00. I didn't know what was happening so I called customer assistance for help. I was then told that I had a shortage of over {$8000.00} in escrow for XX/XX/XXXX which caused the increase. I was devastated because 1. I was not notified of the increase at any point in XX/XX/XXXXand I actually called and inquired about an escrow payment but was told there wasnt any adjustments. I didnt understand why they didnt recalculate my taxes in XX/XX/XXXX which is what should have happened. If that had happened my payment would or should have increased during XX/XX/XXXX instead of causing a shortage of over 8,000.00 and placing me in risk. For losing my home. This has causes me to have three late payments and has placed me in hardship. They call every day during the grace period until I make a payment but neglected to notify me or to reassess my mortgage in XX/XX/XXXX as they should have done.

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: 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: GA

Complaint narrative:
I put in a dispute with Eqifax about a account on my credit report and Equifax investigated and stated that the account belonged to me. Equifax stated that I should contact the finance company with the listed phone number if I disagreed with their findings, which I did. The phone number is not a working number.

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: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX, I closed all of my accounts with BBVA Compass,  including a credit card, checking, and savings accounts, thus completely terminating my relationship with the bank. Shortly thereafter, I received a service email pertaining to the credit card account that I had closed. I contacted the bank to confirm all my accounts were closed, and to ask why they were still sending me servicing communications. I was told all of my accounts were closed, and that I would not receive any more communication from the bank. On XX/XX/XXXX and XX/XX/XXXX, I again received servicing emails from the bank at this address XXXX. I can not opt-out of these emails because they are servicing communications that do not have the option to opt-out. Given that my relationship with the bank has been terminated for over 2 years, I think its inappropriate for them to retain my email address and continue to contact me regarding my closed accounts because this creates the perception that the accounts are still open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: NJ

Complaint narrative:
I was expecting to be able to pay this off In full of the {$800.00} I took out, and now am being told they charge {$10.00} a day on top of the interest so the total is XXXX. I was not expecting such ridiculous interest rate or fees. In addition when I called to try to negotiate I was told they couldn't help me. A 400 % interest rate is a little ridiculous to begin with, but the added fees on top of it are a lot to handle.

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 — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Caneel Capital, LLC
State: VA

Complaint narrative:
At the end of XXXX my husband and I paid off our mortgage which was held by XXXX XXXX XXXX. This total we paid was part of an earlier government modification. Mortgage was considered paid in full. In XXXX of XXXX we received a notice of foreclosure from Trinity Financial Services , LLC, a company I have never heard of. They did not have any information to give me such as an account number, dates of any transactions ( withdrawals or payments ). We had to retain a lawyer to the amount of several thousands of dollars to stop this foreclosure. Our attorney has requested documents to support this loan on several occasions with no resolution. On 2 occasions Trinity has sent me paper work asking for account numbers and social security numbers from me, which I will not provide. In XX/XX/XXXX I filed bankruptcy due to a predatory con man and all debts were discharged in XX/XX/XXXX. No where in previous paperwork does Trinity show up as a person I owe monies. Every time my lawyer has to contact this company we have high bills to pay. They have had 16 months to provide proof of loan and have not been able to. They should have to remove this debt from the system and be forced to remove the lien they have attached to our home. We feel this is a predatory loan company which has no validity in the claim against us. The name on the loan they are showing is XXXX XXXX XXXX. They have received several letters from our attorney XXXX XXXX.

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: Can't contact lender or servicer — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Over the least 18 months I've attempted to contact the business Speedy Cash & the collection agency XXXX XXXX. Speedy cash refuses to provide copies of paperwork that would have had to be filled out to obtain alleged loan. XXXX XXXX the collection agency also refuses to provide any proof that I obtained a payday loan. I have never obtained a payday loan anywhere in my life. I'm a retired police officer with full pension prior to XX/XX/2015 when they allege I obtained the loan & when I refuse to give my full SSN # they hang up on me! 
Without them providing any documents I would have had to sign, it's difficult to prove the loan was not obtained by me. I also have bank documentation that unknown persons had gained access to my checking account around the same time & can provide that If necessary. That loan isn't mine & the 2 businesses involved are highly uncooperative & why I need help dealing with them

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: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
On XX/XX/2019 this company CashnetUSA removed over {$500.00} from my personal bank account. I called my bank to tell them this was a fraud and the bank canceled the transaction. I called this company CashnetUSA to ask them what they were doing and they said they were collecting on a loan. I told them I have no loan with them and asked how they got my personal banking information and they said from an online application. I told them I didn't do that and to stop from emailing me, calling me and trying to collect from me as I have no account with them and never had. 

The following month XX/XX/2019, they attempted to debit my account again for over {$500.00} to which my bank stopped that transaction again. I wrote to them to stop this activity and asked them to tell me how they have my personal information and the response I received was ; " If you think this was fraud, file a police report and send us that information '' Seriously? they obtained my information fraudulently, have no methods to stop online hacking or they perhaps have underhanded employees and I'm supposed to go out of my way to substantiate their illicit activities? I think not! 

To this day I receive demanding emails and phone calls every single day. I want this company to cease and to advise where they obtained my personal and private information. I have filed complaints against this firm and see attached online comments about them. The internet has pages regarding this company. 

XXXX XXXX XXXXs XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: KY

Complaint narrative:
The payment was issued to Discover on XX/XX/2019 via my online bill pay feature that my employer has attached to my payroll card. XXXX issued a paper check to Discover for {$200.00}. The check was received and cashed by XXXX XXXX XXXX, an Agent for Discover. Proof has been supplied to Discover, yet they have claimed they can not locate the payment. Interest, fees and my account is now closed, as well as it affecting my credit report has all transpired due to this missing payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was in a XXXX XXXX XXXX XXXX store around the end of XX/XX/2019. I bought something and a store member asked me something about a rewards card. I said ok. They asked me to say my social security number to a representative. Around two weeks I got a credit card. I did not know why I had a XXXX XXXX XXXX XXXX credit card. 
I read the letter it said I can get my credit card closed within 30 days if the credit card was opened by telephone and I dont want the card and the charge on it will also be wiped out. I called then once. They argued and said it was not possible to do that. Basically I told them there I will pay off the card and requested they close my account because they were difficult and wouldnt follow the rules. I later called back because it was not closed after I paid off my balance. I asked them to again close the balance. I think they said ok. A month later I complained through their internet portal, and they gave me an response in the attachment. I looked today, my website still shows my credit card as active. The purpose of this complaint is to See if my credit card account with XXXX XXXX XXXX XXXX closed or if it isnt can I please get it cancelled and removed, because I believe I did not compliantly and with knowledge open this account, and they did not do their job properly in every sense of the way.

Company response to consumer: Closed with non-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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
I started out by disputing this inaccurate late payment with toyota in XX/XX/XXXX.  I have still yet to get a proper investigation of this matter with either Toyota or XXXX and XXXX. Ultimately it is now on XXXX  and XXXX to remedy the problem because they are reporting the inaccurate item. The creditor toyota tells me to contact credit bureau and the credit bureau tells me to contact Toyota. Both companies point fingers and do not do anything to help me out. As you can see from my attachment I have added my current dispute which was send on XX/XX/XXXX.In addition it has a copy of my XXXX online credit report which shows that this late payment is not even reporting on my XXXX account and hasn't been ever. It doesn't not make sense for a late payment to report on 2 of the 3 credit bureaus especially if it claimed to be accurate after your investigation. I was not late on this account and it is impacting my current profession significantly and needs to be addressed properly.

Company response to consumer: Closed with explanation