vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I received correspondence from this company twice. Both occasions, after requesting validation of debt, and not receiving the validation in a timely manner, or return phone calls, this company filed suit in Special Civil in XXXX County, New Jersey. Let me be clear, at no time did I deny the debt was mine ; I requested validation so that I could compare my information to the information I was being sent. Under the Fair Debt Collection Practices Act, ( " FDCPA '' ), it is my right to request validation of debt. This company ignores those requests. I honestly do not know how their clients can be so clueless as to allow them to continue to do this sort of practice of debt collection.

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 2017-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
On XXXX/XXXX/XXXX, my wife and I used the Chase Bank Quick Pay with XXXX XXXX to transfer {$400.00} to a joint account of ours at XXXX XXXX. The money has never arrived in our account at XXXX XXXX. We have spoken with both banks on the phone and in person on multiple occassions since XXXX XXXX. During one phone conf with Chase at the end of XXXX, the agent confirmed that the funds were in the process of being returned to Chase and that they would be back in our account in 2 to 3 business days but the funds were not returned. Subsequent calls to Chase disavowed any knowledge of the funds being returned.
Chase says the transaction was completed. A copy of their claim resolution and claim rejection letters with date, amount, and transaction numbers are attached along with the account acitivity since XXXX XXXX, XXXX showing the funds have not been returned. XXXX XXXX says they do not have the funds nor do they show any pending transactions. Account activity from the XXXX XXXX account dating to before XXXX XXXX is also attached showing that the funds were never received in that account. The money has not been re-depositied by Chase and  has not been deposited in XXXX XXXX as of this date. Please ask these banks to investigate and determine where the funds are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Chase Mortgage intentionally with malice of forethought committed constructive acts to defraud their customers : Last month I noticed my FICO score had dropped 5 % and during a recent loan qualification process i found that all three credit reporting XXXX, XXXX, and XXXX had all dropped 5 %. I immediately requested the support. In XXXX I received a letter from Chase telling me that my account number was being changed, I immediately changed the bill pay profile to the new account number. In the interim Chase reported BOTH XXXX and XXXX to all three credit bureaus as NOT paid they LIED. XXXX years NOT on single late payment made NOT one late payment nor late payment assessment every payment made 24-72 hours BEFORE due as our XXXX and XXXX payments to Chase, BOTH of those payments were in full 48 HOURS prior to their due date. Why would Chase do this? Like I said CONSTRUCTIVE ACTS TO DEFRAUD! They intentionally misrepresent payment histories to drive customer Credit Ratings down. Why because they can then raise the interest on the loans that at tied to Credit Ratings they are XXXX XXXX crooks thieves they will steal anything they can steal lie, scheme connive paid off lobbist,,, Should be a class action lawsuit against Chase and every lobbyist they used to misrepresent /lie for them! My conversation with Chase Credit Management representative this AM the credit management representative told me the recently passed RESPA gives us legal authority to misrepresent customer payments history with Chase There should be a class action law suit to put these XXXX XXXX XXXX put them in prison where they belong!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21 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: TX

Complaint narrative:
XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that XXXX was the provider which was on my report. I disputed both the utility and medical but, XXXX violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that XXXX will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, XXXX XXXX dates are not correct and the bureau is also aware and refused to do anything.

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 2017-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI

Complaint narrative:
I am trying to pay off an installment loan with promotional with Pioneer Finance. I called their call center to get a payoff amount ( there is a payoff amount listed on their website but it does say to call to confirm ). There is no indication on the website of when the promotional financing period end or what interest amount is due. Upon calling the customer service line, they were not able to provide me with the amount of interest due but did advise that I would owe the entire interest ( I should note that they did not contact me after I requested a call back and the hold times were excruciatingly long ), even though none of this was stated on their website. The representative insisted that all of this information was stated on my paper bill, which to the best of my recollection, I have not received a single copy of in 2017. I did explain that I had recently moved out of my brother 's house but he continues to forward mail to me and WE HAVE NOT received any statements from this company. I am very bothered by the fact that the website is deceptive in the paucity of available information and I was bothered by the fact that the company itself could not provide me accurate information and the information they did provide was contradictory and opaque. I obviously would have paid this balance off well before the finance period ended, had that been made clear to me. This company exhibits much of the same behavior as a loan shark, which is what the laws of this country are supposed to protect its citizens against.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: Source Receivables Management LLC
State: TX

Complaint narrative:
The XXXX account was removed from my credit file. The company Source Receivables Management has reinserted the the account back to my credit file with a new open date. Which is a violation. Also i am supposed to be giving a 5 day notice which i was not giving which a direct violation of the FCR law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX-XXXX-2017 On multiple occasions I have submitted an investigation to the credit bureaus to remove from my excellent credit history these accounts that do not belong to me, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX which after research have not Been discharged from my credit history. 

These were also reported but were eliminated. 
XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX I have never lived in the United States and my credit history reports an address that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Variation of name, XXXX XXXX. I have filed a complaint with the Police Dept and in the Federal trade commission but still, the accounts that I mentioned before have not yet been verified and eliminated. This information has greatly affected excellent punctuation and I need you to help me with this distressing situation. I await your prompt reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX did 4 hard inquires in 4 days. XXXX2017XXXX XXXX2017, XXXX2017, XXXX/2017. There is no reason they should have pulled my credit 4 times in the same week. This is causing a hardship and I need to have these inquiries removed. I have reached out to the company with no results. Please assist

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 2017-08-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I enrolled in paperless and automatic billing for my XXXX XXXX lease through XXXX ( their own portal, not my bank 's ). I have email confirmation that I 've done so. Fast forward to XX/XX/XXXX XXXX - my car is being towed out of my driveway by a repo company. I received no emails, no phone calls, nothing in the mail, not even a message on nissanfinance.com 's  message portal. Apparently they NEVER billed my bank for the monthly payments that I set up and never contacted me to tell me that I was delinquent. Normally when a bill is late you receive some correspondence from the company because they want their money, but apparently Nissan would rather steal your car and make you pay exorbitant repo fees. I tried calling Nissan and the representative refused to A ) admit that there could 've been an error in their system, B ) transfer me to a supervisor, C ) work with me on paying the repo fees that were unjust. I was n't delinquent on my account - always paid on time - and have the money in my account to pay in full. When I was paying through my bank my payments always arrived, but I was encouraged to enroll in their paperless billing, then all XXXX broke loose. Again, I have email confirmation that I enrolled in their paperless billing on their website, but it was never actualized. Horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: CITIBANK, N.A.
State: IL

Complaint narrative:
You did not have a problem category that exactly matched with my experience. Here is my problem. On XXXX XXXX, XXXX we received a letter in the mail from Citi about our credit card account. It said that we are to be issued a credit which represents a refund of certain fees previously billed to our account for a discontinued credit monitoring program previously offered by Citibank N.A. It went on to say that " a statement credit of {$140.00} representing the refund amount has been applied to your account and will appear on your statement within two billing periods. '' It is now 4 months later and no credit of the expected amount ( or any amount ) has ever been posted to our account. I called and spoke with a rep at Citi. He told me that the credit has been given to me. I asked him for the date of the credit posting and he said he did not have that information. He then referred me to a different phone number and it turned out to be a robot system that was unable to help me. In other words he " blew me off ''. It is apparent that Citi is dodging this 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 2017-08-21 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: GA

Complaint narrative:
XXXX XXXX XXXX did XXXX hard inquires in 4 days. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There is no reason they should have pulled my credit 4 times in the same week. This is causing a hardship and I need to have these inquiries removed. I have reached out to the company with no results. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: GA

Complaint narrative:
XXXX XXXX XXXX did 4 hard inquires in 4 days. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.  There is no reason they should have pulled my credit 4 times in the same week. This is causing a hardship and I need to have these inquiries removed. I have reached out to the company with no results. Please assist

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 2017-08-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that reliant was the provider which was on my report. I disputed both the utility and medical but, XXXX violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that XXXX will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, Centrol Control dates are not correct and the bureau is also aware and refused to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX until now XX/XX/XXXX- I am a victim of fraud. I told the bureau that the phone numbers, address, and names are not me and verbally they advised it was correct. I have found companies that have slammed me ( XXXX ) with incorrect reporting-per them it was open in XX/XX/XXXX for one month but, you cant have to companies - I sent over information of proof that XXXX was the provider which was on my report. I disputed both the utility and medical but, Experian violated my rights- I provided the information that was request but, the fraud representative stated the had to do what the creditor wanted regardless. So, I was advised that Experian will do what the creditor advises only and the other person is not has no rights. The agent was rude and hung up the phone. I called back and the next agent after giving them my info did a blind transfer and it hung up. I call again and asked for a manager and was advised no manager was on duty in the fraud depart. Man was rude and state lets dispute it again but, he never did.. I just check.. I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. However, XXXX XXXX dates are not correct and the bureau is also aware and refused to do anything.

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 2017-08-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
i called to make my XXXX payment and nationstar claimed i was two months behind. i faxed them bank statements proving seven payments for seven months. i requested a full transaction history from them which though a little confusing to read bears this out, supposedly they were going to research. i have heard nothing and this has been going on for weeks and they are still claiming im late and sending emails for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am having issues with US bank with my business credit card. My card was lost and it was used for several charges. They have denied my claim and have not shown my the reason why other than by phone that they are saying that merchant verified ID and that is impossible that any of these merchants verified Id because my Id was not lost with the card. My card is at risk of being closed and i have tried to resolve this issue with US bank on several occasions and they always say that i will receive a call back. I am going to include my Id to this complaint so they can verify. I need this matter resolved ASAP as this has already gone to long to trying to come to a solution.

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 2017-08-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: IN

Complaint narrative:
I was contacted on XXXX XXXX, 2017 at XXXXXXXX XXXX from phone number XXXX from someone claiming to be from My PayDay Loan. Let me also mention that I was never informed during the call that it was an attempt to collect a debt and information obtained would be solely used for that purpose. I was told that I owed over {$1000.00} for a payday loan. I was also then given my bank account number which they should not have because that is a new account and I was informed that they were proceeding to submit a wage garnishment for the loan. I have not received any documentation regarding the loan. I was also not informed on the call that it was an attempt to collect a debt before they also released by birth date to me. I do not feel comfortable proceeding with payment being that governmental laws and practices were not followed in an attempt to collect a debt. I feel I should not be obligated because I am under the impression of this being a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On X/XX/17 my account overdrew however I had the funds in my savings account to cover the transaction. Wells Fargo then charged me a XXXX overdraft transfer fee since they moved the funds from my savings account to my checking account. Then I had a transaction that hit my account which caused my account to overdraw once again and was charged a {$35.00} overdraft fee. Upon calling the bank, I was transferred to a different department where I voiced my concerns. Upon threatening to report to CFPB the rep didnt even know what I was talking about. She placed me on hold to notate the account then she then proceeded to tell me about the convenient services that I was signed up for and explained the fees. I told her it was n't very convenient beings that I was being charged to move my own money from one account to another. At that point I removed overdraft protection from my account and the rep agreed to waive the {$12.00} and half of my over draft fee. I told her I wanted the whole fee waived since I would have never had it in the first place if I wasnt charged the XXXX. She would not agree so I asked for her supervisor, she stated that she was the highest level of personnel I could get, I did mention that it was sad since she didnt even know what the CFPB was and that I was still going to file the complaint.

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