vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I first disputed with TransUnion numerous accounts to have validated and to prove they are legally able to report. I received a form letter stating items they did investigate was complete. I then sent letters out asking for verification that a reasonable investigation was done and per FCRA to send me all documentation proving such was done. They sent me a form letter back just stating how they do investigation NO information. Now mind you there are accounts that were purchased by collectors who re aged accounts and arent reporting accurate dates of opening delinquency etc. This is called reaging. It is against the FCRA. These accounts should match the account in which debt buyer purchased from lender. It shouldnt be a new account! this is just one of a few issues I have and its plain to see on the credit report the reaging. You can look at status dates also as they are prior to my request. TransUnion doesnt want to do anything but send out form letters with no proof any investigation was done and just by looking at my reports you can see the total XXXX just with re aging of accounts. After all this I got tired of spending time dealing with this incompetent company which should have some documentation showing it is legitamate for them to report items and I asked for those and evidence that they per FCRA did a reasonable investigation and all I get is form letters back stating wont investigate and no information regarding investigations they were supposed to have done. Its getting very old with this company. Personally I dont believe they do a XXXX thing. If they did theyd be able to prove it. I then sent out intent to sue. So much inaccurate infomation its to the point if they are going to allow and dont care they should be sued.XXXX accounts alone by XXXX have been reaged and these people cant figure this out. All the items I listed should be removed because this company did NO investigation what so ever. Now they have even blocked me from going online to file dispute. This company shouldnt even be in business. I would hate to have to go to court but it seems thats the only way these people wish to deal with people.

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 2015-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: ERC
State: FL

Complaint narrative:
I had past experience with calls re the debt of someone who lived at my address some 20 years ago and another with the same name except the middle initial and it took and FTC complaint to stop them. I received calls in XXXX 2015 from Enhanced Recovery re Debt Collection. 
One call referred to a letter which I assume was a validation letter sent to whomever owes whatever they are trying to collect. I wrote them a detailed letter on XXXX XXXX, 2015 ( cert. return rcpt ) telling them : 1. contact the person you wrote to, its not me. 
2. There is no reason for a debt collector to be contacting me. 
3. cease and desist. 
4. Further I am XXXX and do n't do business over the phone. 
5. I have a health condition that XXXX ( XXXX and XXXX XXXX ). 
6. their contacts did not appear to comply with the FPDCA 7. I looked forward to never hearing from them again. 
I thought it worked until Fri XXXX when I got the following msg on my answering machine : " this is a debt collection call from Enhanced Recovery please call XXXX ref XXXX. '' no identification as to the caller or what the debt is about ( not that I care ). 

All I want them to do is leave me alone. I sent a letter today reiterating the comments in the XXXX XXXX letter and telling them I would file a complaint. 

I will not call them back based on my past experience with another highly unethical collector and my XXXX. 
I know of no reason they should be calling me. I have not cosigned for anyone nor acted as executor of any estate. 

This company has not been abusive and until yesterday I thought the matter resolved. I will grant that my past horrible experience affects how I view this. 

I do believe that companies should be prohibited from contacting anyone just because they have a similar name or without at least stating we are contacting you in regard to a debt owed to XXXX by XXXX. 

I would like to think that this latest call is a result of a failure to communicate that no one should be calling. 
a debt owed to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had an HSA account with Wells Fargo for the past several years, and a few months ago, Wells Fargo notified me that they were closing their HSA business and that they would be closing my account and sending me a check for the balance. I subsequently got a call from Wells Fargo XX/XX/XXXX asking me if I would like to have my HSA automatically transferred to XXXX since they were selling their HSA business to them. I asked specifically about fees and he said that there is a monthly fee, but it is waived for balances over a certain threshold, which I met. So I then agreed to have it transferred. 

I just checked last Wells Fargo statement and I was charged a transfer fee of {$430.00}! At no point did the representative mention this fee even though I specifically asked about fees. A {$50.00} fee would have been unacceptable given that I did n't agree to any fee and I should n't have to pay a fee just because Wells Fargo sold this business to XXXX. A {$430.00} is just predatory. I could have rolled my balance into my other HSA for free, like I was planning to until I got this call from the Wells Fargo representative. 

I have contacted Wells Fargo regarding this fee, and they have directed me to XXXX since they no longer have the HSA business, even though the fee was charged by Wells Fargo.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Genesis Lending
State: CA

Complaint narrative:
I attended XXXX XXXX, a XXXX school, and was encouraged to apply for a Genesis student loan with the understanding I would have a XXXX high paying job. After over XXXX months looking for a job as a XXXX I am working XXXX hours a week @ {$XXXX} an hour and have over {$9000.00} in student loan debt. I do not believe I was given honest information and the loan was not reasonable for me to take out.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: CO

Complaint narrative:
Currently I have student loans with Genesis Lending from classes that I attended at XXXX XXXX XXXX in XXXX, Wyoming from XX/XX/XXXX till XX/XX/XXXX. I am a veteran of the XXXX XXXX and as though I did receive benefits from my XXXX G.I. Bill, the money had to be used for living expenses since my husband and I were unable to receive campus housing due to our marriage status. Because of this, we were unable to use the G.I. bill for its intended use and now we are paying the student loans. Considering XXXX provided high hopes for attending the school, I became a XXXX GPA student and graduated with above and beyond characteristics. When I attended the introduction day where I had to sign tons of papers, I remember specifically them telling me to sign a paper for a private Genesis loan in which I had not been aware of. They wanted me to do this since I did n't not qualify for some other loan. The lady insisted that it was a good loan although I feel I did n't have much time to think about it and I feared that I would not be able to attend school if I did n't do this. I do n't remember going over interest rates or loan amounts but she did tell me they would wait till we graduated to pay them back. After graduation, I applied for many positions and did receive only XXXX call back. In addition my husband received XXXX. I became sole provider till he found a job but I was not properly prepared to work in the position I ended up getting as an XXXX at XXXX XXXX. My hands on teachings were out of date for the current repairs that I had to make on vehicles. I feel that my husband and I were ill-equipped for entering the XXXX as they had lead us on to be as well as my above and beyond attitude that I worked on while attending did not seem to have made a difference. I currently am a XXXX and both my husband and I feel that we did not receive enough or the right sort of education that would help us in the XXXX. We have felt like this for years. Our loans had been on multiple deferments and forbearance as well as while I did have a job, I do remember specifically XXXX instance where I received collectors calls and I had to tell them I could n't pay them back but the lady insisted that I make a payment that very day. The call ended in tears. Myself as well as my husband where not happy with our education as well as the position that we were left in when he could n't get a job and that we had to use the benefits money to pay for our living expenses at the time. We are still to this day trying to get ahead even with our loans on forbearance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I got a phone call from an unknown number at XX/XX/XXXX, I asked what it was about they told me a Chase account. I explained to the that it is ID theft and that I had a police report to prove it, and I could fax it over he then HU on me. I did not hear anything back until XXXX/XXXX/15 with pre-recording to call XXXX I called the number back and tried again to explain this was due to ID theft, the lady said that they called Chase and they said they had nothing showing it was ID theft, I explained to her that I had also called them and they had no clue what I was talking about, I then tried to explain to her that I have proof and she hung up on me. I called back asked for a supervisor and she refused said there was no one above her, I explained XXXX and I know that there is someone else I can speak with that was not so rude. she then said that if I was XXXX I should pay my bills, I told her that she do n't know me and that I do pay my bills and she hung up on me again. I called back and asked her to please have a conversation with me so I can explain to her what has happened and she just kept over talking me and yelling that they do n't belive me and that because I am a XXXX I have just found ways not to pay my bills. I told her to stop prtending like she knows me and to listen to what I had to say and she told me they are unwilling to work with me because I was irate. I told her I am not Irate I was just trying to explain the situation and she said do n't call again and hung up on me again. I called back and told her that I want to get her fax number so that I can send over the police report and she threatened to sue me if I called again, I told her I do n't understand you called me and I am calling back to explain and she just hung up on me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I just got off of a very frustrating phone call with Chase and wanted you to be aware of a bank policy that is hugely profitable for them, and unnecessarily punitive for their customers. 
Thursday evening, XX/XX/XXXX, at XXXX Chase processed a {$20.00} check I had written to my son 's school. We were cutting it close that week, but as of XXXX when I went to bed, we still had a positive {$4.00} balance in our account. I know. Like I said, we were cutting it close. But since we had that positive balance, as meager as it was, I went to sleep thinking " phew, we made it, '' because my husband 's direct deposit would be in our account at XXXX. 
However, I 've come to learn that we did n't make it. 
Chase begins processing transactions at XXXX and this {$20.00} was processed, overdrafted our account, and we were charged a {$34.00} overdraft fee just in time before the paycheck was directly deposited. Seems pretty convenient for Chase. 
I absolutely take responsibility for cutting it far too close for any error that week, but to be honest, that 's what many of us do who are living paycheck-to-paycheck. 
In XX/XX/XXXX, America 's top XXXX banks, Chase, XXXX XXXX, and XXXX XXXX XXXX raked in OVER XXXX in overdraft fees. They make that profit on the backs of people like me and my family. The people who can least afford it. 
Additionally, to keep in mind that my bank processed my check and fee while I was sleeping, when I was in no position to rectify the situation, but also did n't even know about it is sneaky and shady to say the least. 
Had that transaction taken place while I was awake, during business hours, I could have transferred money from my savings to my checking to avoid the {$34.00} penalty. 
The working class sure got a lot of attention during the XX/XX/XXXX election, but I want my elected representatives to remember that the loss of manufacturing is n't the only thing hurting working class people. 
We pay heavily in our day-to-day financial interactions in fees, interest, and penalties and the safety net enjoyed by the wealthy is far out of reach for us. 

I greatly appreciate your time and the work you do for all of us. 

Optimistically, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I currently have a loan modification application submitted to Chase. My loan has been in and out of the forecloure process since XX/XX/2009 The original foreclosure case was withdrawn by Chase following numerous fraudulent actions by the lenders Attorenys including XXXX, forgery and inproper notice to myself and my Attorneys. Chase has reinitiated the foreclosure law suit with the same Attorneys, who we have made several attempts to submit an offer to settle however they have now requested that a new loan modifiacation request be made. That request was made by me and I have confirmed that Chase has the documents and are processing the request. The Attorney for Chase is aware of the application as well. Chase has refused to halt the foreclosure while the modification is in review, Florida is a judicial State and the trial date is set for Monday XXXX XXXX. Furthermore, as of today the Attorney 's for Chase provided inacurate status report as to the modification request to my Attorney saying that Chase has contact me directly, which is not permitted as I am represented by an Attorney and which they did not do, and also my Attoeney which was also not the truth. No contact has been made by Chase. I did contact Chase to confirm that the file was recieved and in process. My legal rights have been abused by Chase and the law firm of XXXX once already. I deserve a fair review of my modification without the threat of lossing my home during the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hi yes my name is XXXX XXXX and On XX/XX/2017 at Chase bank XXXX XXXX XXXX XXXX XXXX, Ohio XXXX my bank information was changed to another address by Banker XXXX XXXX without my concent and therefore my bank statement which includes where I work and average monthly paychecks was sent to that new address an address by which was set up in there bank with my ssn and she gladly accepted it without verification. When talking with the bank manager XXXX XXXX the GM and XXXX XXXX the market director both were more concerned about protecting thier employee instead of their client. I Already filed a police report against the banker and the person who had my info forwarded to their address, and yet the bank thinks it perfectly ok to represent the public in such an illegal behavior, without verifying ID 's. XXXX XXXX said on XX/XX/2017 we always check ID 's to before we change an address. I can tell you now NO THEY DO NOT, otherwise the police would have be called from the getgo so I go around in circles with this bank as they fail to uphold the law which gave the bank authority to hold the publics money. They would n't even provide the federal agency that oversees any wrong doing only they would provide the headquarters number. I demand here that someone be held accountable, also I had a password set up and they even failed to ask the attempted Identify thief the security question. Should I get the FBI Involved?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
i received an e-mail alert telling me that a capitol one auto pulled a hard inquiry and pulled my report and used my social security # without my knowledge and did not speak with me prior to this about this loan, i called capitol one they said they did not pull my report, i then called XXXX they said capitol pulled my repot and my social security # and XXXX told me that some of the information did not match what i have on file, i then called capitol ione back they said they will forward my information, they hourt me in many ways i very upset when talkin with capitol one im ver stressed out at this time i want a law suit filed im getting tired of co. trying to ruin my credit when im trying my best to get it in order and looking good i did not ask or ok to do this i never talked with anyone for this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CT

Complaint narrative:
- XXXX XXXX 2015 due to an XXXX I had the urgent need to go to visit XXXX XXXX XXXX XXXX located at Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - Phone : ( XXXX ) XXXX They provided a XXXX for XXXX an offered an agreement to rent or purchase the equipment under the Heatlh Complex form. I market the rental option for {$30.00} a month. 
- On XXXX XXXX, 2015 I received the XXXX invoice/bill ( $ XXXX {$18.00} ) from XXXX and made a complain with the XXXX XXXX XXXX care center where they called to support my claim due to the documentation presented. 
- XXXX XXXX, 2015 I received a XXXX invoice for the same amount stating I was late with the payment. I went back to the medical facility looking for a solution and explanation to the problem created by their institution. ( Documents attached and date stamped ). They called me later saying my case was solve and that I will receive an invoice for the correct amount of {$30.00}. That invoice never came. 
- XXXX XXXX, 2015 I received the collection leter from the collection agency XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX with the case reference # XXXX ( to be provided later ) for a debt with XXXX on the amount of $ XXXX XXXX XXXX, 2015 I went to the XXXX XXXX XXXX XXXX facility to speak wit the supervisor ( XXXX Tel XXXX XXXX ) and from there call the collection agency to explain and provide the information attached. The collector agent that took the call was XXXX XXXX ( XXXX ) XXXX and her supervisor was XXXX. XXXX was not helpful at all and she recomemded paying the full amount to prevent being reported to the credit berau and then ask for the credit if any. I totally desagree with the proces since its not right to collect wrong amounts. 
- I said clearly to them that I was disputing the charges and they told me it would take few days for them to investigate. 
- I called XXXX on XXXX XXXX, 2015 during the afternoon to confirm that my case was being investigated and they put me on hold for about XXXX min losing the call at the end with no respond. 
- On XXXX XXXX I received a letter from XXXX reference XXXX and reference XXXX communicating that the above reference accounts are closed within their office. 
- On XXXX XXXX XXXX I received a new collection letter from AMCA collection agency located at XXXX XXXX XXXX, XXXX, XXXX XXXX with the Pin number ( XXXX ) to be provided and phone number ( XXXX ) XXXX. The collection is base on the same case used by the XXXX collection agency that closed their account. It seems XXXX ( XXXX ) XXXX uses multiple agencies to collect money without reviewing their files and answering calls. I dispute all the worng charges processed by XXXX and used by any collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation