vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
2 years ago I saw add on tv and called a number to buy a makeup spray machine that they advertised for {$29.00} plus mail cost of {$20.00} for a total price of {$49.00}. I paid with my debit card, after several days the product got to my home in an open box and the machine looked used. I tried to call customer service to let them know that their product was used product and had no manual on how to use it. but customer service of XXXX made me wait long time, never got a representative, I called several times, with the same result, and I got tired and stopped trying to call them. I left the machine in my house because I did not know what to do with it. I thought, I just did a bad buy and left it there. After 2 years I received a call from Monterrey saying that I owed {$620.00}. I never signed any paper saying that I will buy the machine for more money than the {$49.00} I already. Monterrey is damaging my credit seeking that way to press the consumer into paying with the threat of the credit report. There is thousands of bad reviews of this company because of this fraud that is doing to me and all those other people

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX-2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX-2016 I purchased a used vehicle and financed my loan through XXXX XXXX XXXX. Numerous unauthorized financial institutions which include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX whom all ran inquiries against my credit that I did not agree to. I did not receive proper notification from the dealer I was purchasing the vehicle from of the inquiries from unknown and unwanted sources and if I knew what was being done I would not have consented to the process. I have mailed a request to delete inquiries but have not has success.

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 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I was making a payment to my credit card, and I went over by {$2.00} apparently. M & T Bank then decided to charge me a {$40.00} fee for that, then another {$40.00} fee because I did not pay it within five days. 

This is criminal behavior, I should not be threatened to pay {$80.00} because I went over by {$2.00}, even though I 'm pretty sure I did n't. They are threatening to give me black marks on my record and close the account unless I pay their ransom. 

M & T Bank is full of the worst kinds of scum and I can not wait for the day I close  my account with them for good.

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 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was making donations on-line on Giving Tuesday, XX/XX/XXXX, from my Bank of America checking account. Bank of America put a lock on my account for " suspicious activity. '' I then unlocked the account to make further donations. I just noticed today, XX/XX/XXXX, that Bank of America deleted some of my donations ( they deleted the transactions from my account ) with my authorization or knowledge. I had more than sufficient funds to cover the donations ( my checking account balance after all donations would have been in excess of {$2500.00} ). What the bank is is illegal.

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 2017-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
I have lease 2 Vehicles with GM Financial, they are both electric and qualify for no sales tax in Washington state. Both my contracts show the correct payment but GM Financial is reporting to all the credit reports my payment with Tax included and also the payments listed online and on my statements are not correct. They are showing my payment with Tax which is not correct.

I have called Gm Financial about this multiple times and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX agreed to delete their account from my Equifax credit report and as of this date, it has not been deleted. See correspondences attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on my 3 credit reports shows 3 inquires from Capital One Bank that i do not recognize. 

Cap One Inquiry from XXXX XXXX, XXXX Cap One Inquiry from XXXX XXXX, XXXX Cap One Inquiry from XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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 am having the most difficult time with Equifax, I recently received a copy of my Equifax credit report on XX/XX/XXXX. I have been calling them for the past two months ( XXXX & XXXX ) about fraudulent inquiries I do not recognize on my credit report. I also sent a certified letter on XX/XX/XXXX, requesting they delete 13 inquiries on my credit file. Equifax sent me a letter on XX/XX/XXXX regarding my dispute and advised the inquires are factual record and to contact the creditors. Equifax did not provide me with any verifiable proof that these inquires are factual, I asked in my certified letter that the send me verifiable proof. I understand that Equifax should n't be allowed to put an inquiry on my file unless I have authorized it. I also understand under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed. Equifax has not provided me any proof or resolution to my concern. 

Inquiries in question are : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America Missouri, has caused Financial harm and Financial Deformation, by reporting inaccurate and false information to XXXX. XXXX Consumer ID report number XXXX has caused me Financial harm and Financial Deformation by reporting to Banks inaccurate and false information.

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 2017-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Since XXXX XXXX, I 've received XXXX phone calls from a debt collector named XXXX XXXX. Additionally, they are harassing my wife asking for me. They are looking for someone with the same name as me, but the address and social security number associated with the debt are different from mine. It is also for an XXXX XXXX XXXX service I 've never had, so it is clearly not my debt and I 've informed them of that. When I tell them this information they immediately hang up the phone, but then I get additional phone calls afterwards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX there was a total of XXXX unauthorized transactions on my account XXXX from XXXX and two from bed bath and beyond this day I was working at XXXX XXXX I called immediately after my card got declined and an error was made in my claim stating XXXX transactions were unauthorized which makes my claim inaccurate two days after filling the claim I get an email stating my cliam has  been resolved and that the transactions were VALID because I logged in to my account the on XXXX XXXX XXXX XXXX and XXXX but the TRANSACTIONS I WAS CLAIMING WERE DONE ON THE XXXX now they are refusing to open my claim even though I informed them of the error all they tell me is I have to provide proof to be abe to re open the claim but when I ask if my schedule is suuficent the rep says whatever I think is evidence is enough but then refuses to actually re open the claim saying I need to send in evidence showing I wasnt there on that day I asked if my schedule was enough again this time she said no because I would have to prove I was actually there and that it was my job to monitor my account. I have never wasted this much money at a store before especially not XXXX or bed bath & beyond and i never got a alert to my phone to authorize the transactions the card that was being used was not even mine because my card has a chip on it whoever copied my card had to of copied the back side of my card and cloned my card because I was working that day XXXX never intended for the rep to add XXXX extra transactions that were authorized which in turn got my claim denied

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had fraud way back and the bank is giving me a hard time using debiting my account and well as wiring funds its has caused me lot of embarrassment in. public and most of all cost me a lot of business deals I travel. a lot out of the country and I want all my accounts closed with bank of america as they are known for this kin d of abuse as well as treatment. especially since I have over XXXX XXXX run there bank they are rude crude on the phone and in person they are mad that they have good client that leaves big balances on deposit with them but make it hard someone with my status should get royal treatment and have good business banking relationship with personal banker but not with B of A I am being penalized for having to much in the bank I have emailed them as well as faxed them 9 times been to bank as well as had my power of attorney go to the bank there no fraud on the account what so ever they are mad that they paid me on some disputes I had not used the bank account for some time and now they are causing me more problems especially the fraud Department one day they clear it the next day its frozen one day it works one day I am told to come to a branch sit with manager call the fraud dept I answer all questions every time with flying colors still am penalized my time is valuable especially since I make {$6200.00} dollars a hours times 40 hours a week times 20 days a month thats about a million a month I make for this aggravation please help me asap I do not want to talk to them more do I want to ever step foot in bank of America period just cut me check send it to my address or wire it out to my other bank PLEASE FEEL FREE TO CONTACT ME WITH ANY QUESTIONS XXXX XXXX XXXX XXXX XXXX XXXX USERNAME XXXX password XXXX my accounts been locked up for 4 months XXXX XXXX XXXX XXXX XXXX XXXX I have over a million in each account plus I have a cd for XXXX XXXX I want a check mailed to my address on file asap and my accounts closed its been a bunch of XXXX and its costing me everything I am also filling a law suit as well.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 2017-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I created a new coinbase account on XX/XX/XXXX for business purposes, verified my ID, and now my personal XXXX account where several thousand dollars are held wont let me login. When trying to login to XXXX, it gives this message : Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX I emailed XXXX on XX/XX/XXXX and received this reply : " In an effort to more quickly respond to requests, directly emailing XXXX is no longer enabled. 

To get a response from our support team, please visit the following page and complete the request form : https : //support.coinbase.com/customer/portal/emails/new '' I opened a ticket at the support website on XX/XX/XXXX and have n't received any resolution.. 

I emailed XXXX explaining everything above, on XX/XX/XXXX. Still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
We initiated a Wire Transfer through their Online System Their Online System required us to Enter the Account and Wire Info Twice to Confirm Since we entered Twice and we confirmed the Information - We were Confident it was correct. 

We received a Phone call from the Bank - that they wanted us to Verbally Confirm it again - We asked why, their Response is because they Manually type it and they want to make sure they type it right. We were Driving at the time and did not have the information with us ... .. We assured them since their system Required us to Input it twice - that we were confident that the information we provided was accurate. That if they were going to input the number incorrectly from us typing it, what would stop them to input incorrectly if we verbally give it a third time. That the reason we chose to pay a {$25.00} fee and do the wire transfer is that the money was needed immediately in the other account. They Refused to do the Transfer and instead transferred us to a " Customer Advocate '' at which she did nothing but immediately transfer us to a Customer Service Manager - at which time our call was disconnected during the Transfer ... ..

The above info - is more the background of why they could not do the Transfer. It is their Policy even though it does not make sense. But because this is their policy - We will be closing our accounts - Business and Personal and moving them to a Local bank. 

Where our problem is - Even though they refused to do the Transfer - They Deducted the {$2500.00} from our Balance and the {$25.00} Fee - So we have had No Access to the Funds ... .. And technically they have taken our money! 

We want XXXX XXXXCapital One - to immediately return the {$2500.00} to our account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recieved an email saying 'do n't miss your chance to earn XXXX extra Membership Rewards points. ' the subject matter for the email was as follows " Looks like you missed out on the Welcome Bonus for your XXXXXXXX XXXX XXXX XXXX. Well, this exclusive offer is your second chance. 

We 're excited to tell you that you could earn XXXX extra Membership Rewards points after you enroll your Card by XXXX XXXX, XXXX and spend {$2000.00} in purchases by XXXX XXXX, XXXX1 These are points you could use toward : Redeeming for rewards from over XXXX leading brands in travel, gift cards, merchandise, or entertainment2 Transferring points to our selection of frequent traveler programs3 Do n't let this chance to earn XXXX extra points pass you by. Get started today. '' I enrolled in the offer and have met the minimum spend, I was not credited the points after 4 weeks. 

I have spent hours chatting up the the CS agents regarding my cases. I have submitted screenshots of the offer. I have escalated the issue to the supervisor as well but for no avail. I was given the reason that I had not enrolled in the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received a letter from Wells Fargo indicating that they failed to update my credit report following a 2014 Loan Modification. Im concerned that I may have suffered paying higher interest rates for purchases ie. two cars since then based on this information. Have you seen this happening to other WF customers?

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 2017-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion reduced my credit rating by 74 point on XX/XX/17. I pulled my credit report with transunion and found there was no apparent reason for my credit score to be reduced by 74 points. When I called Transunion they had no explanation but did say that the score they had was different that the one I received through XXXX XXXX, XXXX XXXX and XXXX XXXX. They tried to sell me my credit report again but refused to tell me what the different score they had was. I explained to them that I had a recent copy of my Transunion credit report and could find no negative information that should affect my score by 74 point. and that if they had any negative information that would have caused the 74 point drop in my Transunion score that They needed to make me aware of it so that I had the opportunity to contest the information. They are refusing to be transparent in their reasoning for reducing my credit score by 74 points in one day, nor will they provide me with the " different '' score they claim to have, They are also refusing my the opportunity to challenge any inaccurate information on my report that may have contributed to the sudden significant drop in my credit rating.

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 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
XXXX has been debiting my Credit Union Checking account each month since XXXX XXXX 2017. I never authorized these debits from my account ( see uploaded documentation. I made several calls to XXXX attempting to determine who used my account information and made it clear that I did not authorize these debits, stating this was fraud. XXXX could not tell me anything about the transactions and that I would have to dispute them with my Credit Union. XXXX is culpable I 'm this fraud as they obviously never verified that the person using my account information was me, XXXX XXXX. 
My Routing # is XXXX My account # is XXXX

Company response to consumer: Closed with explanation