vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed this XXXX XXXX Account with Experian over 20 times for disputing inaccurate information. Here it is XX/XX/XXXX and I am demanding to have this issue resolved immediately. I have provided my discharge papers i have held on the phone to dispute this issue all together for over 3 hours. And the Credit Reporting agencies continue to tell me Nomatter how much accurate information that i provide they are going to go off of what the creditor says. I have provided discharge documents from a Judge and Attorney stating that this account was discharged in Bankruptcy in XX/XX/XXXX and  Experian continues to allow XXXX to say an do what they want. XXXX is stating that the account was discharged in XX/XX/XXXX which is incorrect. I Feel like i have all rights to sue this company because it is damaging my credit and ability to purchase anything! This is the second time i have disputed this with your company

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 2018-07-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CIS DIRECT LENDING
State: AL

Complaint narrative:
I requested verification and validation to this alleged debt pursuant to 15 U.S. Code 1692 ( g ) of the Fair Debt Collection Practices Act.  complaint number XXXX I asked for wet ink signatures and by law i can ask for wet ink signatures to prove a legal and alleged claim to a debt. XXXX XXXX XXXX responded with " The copies sent to you will not be wet copies of the signatures as the originals are maintained by a document custodian as required by law. '' Required by what law i need the cited law on this because i have the right to request those document. I have a right to know who hold those original documents with my signature on them. XXXX XXXX XXXX  did not provide those documents because the original note was sold and traded for 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 2018-07-06 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2018 I had my blood work done at XXXX. I provided XXXX XXXX with my insurance card and they asked for my Chase Master card which I did not question for what purpose. Upon returning home, On XX/XX/18, I called XXXXXXXX XXXX to question why their local lab asked for my credit card and spoke with XXXX. She assured me that my credit card details will be removed from their database. When I received my credit card statement, XXXX had charged of {$100.00} on XX/XX/18. I also received an invoice ( # XXXX ) for {$42.00}. This invoice was paid by in full on XX/XX/2018 through our HealthEquity Visa Health Account Card. 

On XX/XX/18 I opened a dispute with Master card. Chase asked me to provide proof of payment and I provided them with a copy of invoice, and Proof of Payment for {$42.00}. This was faxed to Chase on XX/XX/18. Upon follow up, Chase indicated that the fax was not clear and I mailed them copies through USPS. 

On XX/XX/18, Chase denied my dispute as they found no evidence of billing error, I called Chase again and they told me that if I want them to reopen this dispute, I have to provide them with a cancelled check from my Health Insurer. 

We also contacted XXXX again and provided them with the information I had sent to Chase Master card. XXXX was able to locate the billing error and issue me a credit for {$100.00} on XX/XX/18. 

On XX/XX/18 I called Chase Mastercard Credit Dispute department and spoke with XXXX ( Credit Dispute Supervisor and asked why Chase was not able to resolve this dispute with the information provided to them whereas XXXX was finally able to. XXXX indicated that Chase tried to contact XXXX on XX/XX/18 and was not able to speak with anyone at XXXX but unable to speak with anyone and closed the dispute in XXXX 's favor. She could not explain why but kept repeating that the information I provided to Chase was not sufficient to pursue further with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Pending Company Match
State: PA

Complaint narrative:
I leased a car from peoples commerce i got sick an was one week behind i made arraignments to paid it up. XXXX XXXX took it upon herself to personally hit my debit card 3 times when my card is already has auto pay this company an this girl has been hitting my card 2 to 3 times a day when shes not authorized to do so I called 5 or more times XXXX an another lady in the office laughted bout it saying this is going to be funny.I never got to speak to a supervisor manager no came to phone or no one called back this lady keeps doing this I have asked her not to do this an she keeps hitting my card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
This company continues to report inaccurate information to the three credit Bureaus and are reaging accounts. It is against the reporting requirements of the FCRA, Section 623. I have disputed this information several times, contacted the headquarters and requested the this information be corrected and deleted from my credit file, yet they refuse. After further research, I have questioned the validity of this account and all the inaccuracies in reporting. I have attached copies of my credit report that show the following inaccuracies : -On XXXX  there is no account number, no payment history, no original creditor info, just a balance of {$170.00} -States Delinquency first reported as XX/XX/2018. Account was reaged as this has been on my report for years -Reported as open on XXXX , closed on XXXX  . 

In addition, I humbly request that you provide me with complete transaction and payment history, a copy of any signed contracts or agreements plus the IP address if it was online, and total outstanding balance you believe I owe or remove this account from my reports. My next steps will be a complaint to the Attorney General as well as my lawyer as this has affected my score for some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a Bank of America depository account holder for over 5 years and have deposited checks before with no issues. On XX/XX/2018 I deposited a cashier 's check in the amount of {$4000.00} at the BOA ATM on XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Florida. The ATM did not automatically recognize the check, so I understood when I got a receipt with a deposit hold. However the hold placed was until XX/XX/2018. The following day I called customer service to let them know it was an official check and to remove the hold and they refused. No matter how much I explained it was a cashier 's check and all they had to so was look at an image of the check they refused and kept insisting their " policy '' was not to remove holds on checks. I called for 3 days in a row, spoke to service reps, supervisors and a branch manager and like robots they all repeated the exact same words : Bank of America policy does not allow them to remove check holds. I went online and pulled up their written hold policy, that stated cashier 's checks when deposited with tellers are available the next business, and other deposit avenues is the 2nd business day. I read that back to them, and they still refused to adhere to their written ( a contract I may add ) deposit policy. Bank of America is a bank strictly about policy and not people. After speaking to about 5 different people, I realized I was speaking to only programmed robots!

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 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
This case is against Persolve in XXXX CA. They have had A LOT of law suits, reprimands, ordered to pay restitution, etc. 
I had a XXXX XXXX card and bought a ring for {$1800.00} back in approximately XX/XX/XXXX-XX/XX/XXXX. The ring broke-stone fell out, we returned it but XXXX never closed the account. They then sold it to a debt collector. by XX/XX/XXXX, they had racked up {$5500.00}. XXXX charged off the account in XX/XX/XXXX and it was closed. 

Somehow this unscrupulous company, XXXX XXXX, Persolve LLC got the debt, they took it to court. They said they served me, they DID NOT. I would have gone to court and defended myself. They ended up going and getting a judgement for {$8000.00}! with {$1.00} a day interest!! They started a wage garnishment WITH NO NOTICE to my federal salary. My spouse is full unemployable XXXX veteran. 
This predatory debt collection should not be allowed. This company had done this over and over and over and they continue to stay in business? XXXX them, all the class action suits, judgments against them, failure to provide written notification, adding exorbitant fees and penalties, etc.. SEE attached court order and see the credit report which shows that this was closed in XX/XX/XXXXand charged off and was NO where near this amount owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX I agreed to a repayment plan for 6 months from XX/XX/XXXX to XX/XX/XXXX in the amount of XXXX per month. I successfully completed all 6 payments as defined in the payment schedule and should be current on my mortgage. Chase mortgage is stating that Im still behind 2 months on my mortgage payments which isnt correct. I have supporting documents to prove the payment plan agreement and proof of payments I made via bank statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I went to annual credit report to see whats going on with myself and wifes credit I fellow all options right away Experian took over the page and wont let us get the other 2 agencies report every time we tried to go to other agencies it went right back to Experian this is not right this is fraud Experian also has a 7 day trail for you to get you credit score I paid my {$1.00} and clicked on get my score and it took me to a other window that wanted XXXX for my credit score this again is fraud I want all three agencies shut down these are private companies and there selling our information with all the hacking going on we dont need this so please shut them down today I will be contacting my congress person and my senators to stop these fraudulent companies

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 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
They have been calling me 4-5x a day from several numbers with the same area code. I picked up the phone which they are calling on my cell and started screaming at them and they hung up. They never leave messages or what debt is owed. My bankruptcy has been dismissed. The only way I found out who they were was I was sick of them calling and they said their company name on the recording because they were closed. You cant get any info off of XXXX with their 1000 phone numbers. So it is a company called National Credit Adjusters. I have blocked their numbers but they still keep calling

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I tried to withdraw a sum of XXXX from coinbase on theXX/XX/2018, the withdrawal was supposed to arrive at my bank account on XXXX XX/XX/2018 but has still not arrived. I have contacted the company numerous times to no effect. I have not been given any reason or explanation for the delay. In fact as of now I don't know if I will ever see my money again. The customer service does not have a contact number where you can speak to anyone. The only communication I have had was 48 hours after I raised the issue. The response was that my case has been esclataed. 4 days later I have heard a single word from anyone. I am angry and frustrated and I feel helpless. This is not a fair way to treat anyone especially a customer that has helped the company make profit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
On or about XX/XX/2017 received bill from XXXX the amount was {$410.00}, then XX/XX/2017 the bill was $ XXXX.I was told by the representative for XXXX my bill was paid up for XX/XX/XXXX. and XX/XX/XXXX,. but in XX/XX/XXXX I received a statement on .XX/XX/2017 that I owed {$50.00}. Paid the {$50.00}. Same acct numbers.INCONSISTENCY with the amounts with XXXX.On XX/XX/2017 I received a bill for $ XXXX.On XX/XX/2017 received a bill for $ XXXX.In XX/XX/2017 I received a bill for {$340.00}. This has been going on for a year. This acct. was transferred from XXXX XXXX XXXX XXXX   and none of these Inconsistencies. Since XXXX took over the accts I have seen different amounts every month.Every month my husband have to talk with the representative giving them the ok to speak with me giving authorization to XXXX. I have sent two copies of release of authorization forms for me to handle our son 's acct. We have repeatly asked for an audut for our sons acct. and have not received anything.With XXXX you never know from month to month what your payments will be. The flunctations of payments and the reason for such fluctations.We are suppose to be paying the interest on our son 's loans but each and every month different amounts. Exaggerate payments from month to month even when you are not delinquent with no reduction in balance because of incompetent representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: Colony Brands, Inc.
State: MO

Complaint narrative:
I have Never had a account with this company but they are reporting under a bankruptcy on my credit. They have been provided a identity theft report still keep saying I have a account. I requested documents ( original ) contract with my signature or information used to op en this account. I was told by a rep this account was opened online they have no documents. I have requested multiple time this account removed from my credit report. I have no idea who this company is also have no contract. They are not on a bankruptcy in which they added themselves. This has prevented me from moving also damaging my credit all for a company I have never done business with.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: NE

Complaint narrative:
On XX/XX/2018, I submitted a request to have my first automatic mortgage payment deducted on either XX/XX/2018 or XX/XX/2018 ( attached ). 

On XX/XX/2018, I received a call from my mortgage company requesting I give them a call back. 

On XX/XX/2018, I returned the call and was asked if I wanted the autodebit to start the first or the second Friday of the month. Because it was not processed at that time, I specifically requested it be started the second Friday in XXXX. The representative states she would send an email to have this processed. 

On XX/XX/2018, I received an email from my bank stating that my mortgage company had submitted a request for an ACH transfer. 

On XX/XX/2018, I contacted my mortgage company and was told that their is nothing they can do at that time. I asked what the process was to have this resolved, and was told to call back in 24 hours and let someone else deal with it. 

I was transferred to my current servicer on XX/XX/2018. I have had payments returned because their system couldn't accept them, while getting a bill on the same day for an upcoming payment. The mortgage company/loan servicer is horrid. I can not wait until the repairs/upgrades are done on my house so I can refinance with someone else. At this point I do not care if I end up paying more in the long run, the stress this company has caused is NOT worth it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
My current bank USAA FSB has violated my financial privacy by adding my partner to my PERSONAL checking account after being instructed multiple times not to. They have also been unable to remove him without signing a form. This seems inconsistent with the fact that I never authorized him to be added in the first place, instructed them to open up his OWN account yet they still failed to listen and let him get added anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/18 I was charged a balance transfer fee of {$52.00}. When I signed up for the credit card, it said there would be no balance transfer fees. I'd like the {$52.00} credited back to my US bank account. I emailed and called and they all said no. Please help. It is a us bank platinum credit card.

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 2018-07-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Complaint against Ally Bank regarding CD # ... XXXX This CD matured on XX/XX/2018. I had XXXX XXXXXXXX on that date, but I called Ally Bank on XX/XX/2018 and requested that the CD be redeemed since it had matured and I requested that the check in amount of {$100000.00} to be mailed to my home address on file, which I had already repeated to her over the telephone. The Ally agent was confused and I had to repeat my request and my home address for a total of three times. I placed the telephone call on speaker so that my wife could hear the conversation. We were both stunned as to the womans incompetence and her confusion. She finally stated that a check would be mailed in 5-7 business days. 
I called Ally Bank on XX/XX/2018 and inquired about the check. The first agent I spoke to could not get her computer to work and she transferred me to a second agent who also had trouble pulling up the account on her computer. Eighteen minutes later a third agent named XXXX was called in to discuss this. XXXX told me that the account was never closed and that a penalty was being invoked. I told her that I closed the account on XX/XX/2018 well within the 10 day grace period. She objected and said that today was beyond the 10 day grace period. I reminded her that I had already closed the account with my phone call on XX/XX/XXXX and she said the account was never closed. She finally admitted that their phone records indicated that I indeed called on XX/XX/XXXX and agreed to waive the penalty. She promised that a check in the full amount of the matured CD would be mailed to me today ( XX/XX/2018 ).

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 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I disputed with the company on XX/XX/2018. The FCRA gives the company 30 days to respond. However, as of today XX/XX/2018, I still have not received a response from them.

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