vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I had a payday load with ACE Cash Express in XX/XX/XXXX. It appeared to come out of my back account on XX/XX/XXXX, but was apparently rejected. When I called the company to confirm they had been paid in full, they looked up my account and confirmed it to be paid in full. Today, XX/XX/XXXX, I received a call from a man named XXXX XXXX stating that he was a process server and that I needed to call XXXX immediately to stop a court filing that was going to happen XX/XX/XXXX. When I called the number, no one answered. I got a call back from XXXX with a person names XXXX who stated she was a mediator and that ACE had turned over the item to them to collect and they would be filing criminal and civil charges, having someone notify my employer, take my car and my house, and suspend my drivers license until I paid them in full. They said my original debt was {$1600.00}, but that I owed them {$2800.00} including collection fees and attorney costs. I did go back and look through bank records and do apparently owe the {$1600.00}, which I immediately made arrangements to pay. However, I did not agree to pay collection fees and did not appreciate being threatened with arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GreenSky, LLC
State: CA

Complaint narrative:
Opened a dispute regarding charge on Credit Card with GreenSky back in XX/XX/XXXX. In the initial review of dispute, I received a letter from GreenSky on XX/XX/XXXX stating they have researched my claim and decided that I am liable for charge. I contacted GreenSky again in XX/XX/XXXX and provided them with further information regarding my initial claim. As a result, they agreed to continue their investigation on my account. GreenSky agreed to freeze my account during the time of their investigation. I followed up with GreenSky with over 50 emails and phone calls over the next several months, left numerous messages and sent numerous emails to GreenSky asking to find out what the resolution of their investigation was. I received no response either verbally or in writing. All of a sudden I started receiving statements from Greensky again in XX/XX/XXXX and again, attempted to call and email their Consumer Projects Department asking what the resolution of the investigation was. Again, never received a call back or any type of response. I found out in XX/XX/XXXX that they had begun reporting unpaid past due payments on my account, so I increased my number of calls only to finally get someone on the phone on XX/XX/XXXX. That was the first time I was given official notice of their conclusion of the investigation and requested that they remove the late payment marks on my credit as I never received notification that the investigation on my account was complete. They are now refusing to adjust their credit reporting, which they had no right to report as past due because I NEVER received any notification of the investigation on my account being completed. They previously sent me a letter stating that they have completed the investigation, prior to re-opening the investigation, so I believe that it demonstrates precedent on the manner in which they notify customers of the completion of investigation. I have still not received any official notice that they investigation is complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NV

Complaint narrative:
1. After repeated attempts via correspondence, phone calls, and a visit to the original " mortgage '' lender, I have not received a mortgage statement since XX/XX/XXXX. 

2. In viewing my mortgage " on line '', they use a term that is without explanation and for which I can not find an explanation, " advance reversal ''. I have a straight mortgage, not a " reverse mortgage ''.

3. In all correspondence with me, the company states, " we are reviewing your mortgage and will have an answer for you within 15 days, or what ever the law allows. '' 4. When I went in to the actual mortgage provider, under duress, that person called the servicing company, and the person she talked to stated that they would provide the mortgage statement for XX/XX/XXXX ( this was the end of XX/XX/XXXX ) within 3 business days. I still have nothing.

5. Then, I received a phone call from someone at the servicing company. I said : just send me an up to date mortgage statement with the coupon for XX/XX/XXXX. This was on XX/XX/XXXX and I had already made, and the payment had arrived, for XX/XX/XXXX. Last Friday, XX/XX/XXXX, I received yet another letter stating that they were looking in to the problem and that they would provide an answer within 15 days, or as long as the law allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Ally Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-07 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
i sent a payment to you on the date i was supposed to send it. and the mail got lost somehow i am not sure how the mail got lost but i have proof of the money order i sent you as i am attaching it to this complaint i was i great costumer from Toyota i dont think that i deserve this 30 day late payment to ruin my credit for something that is a mail problem i spoke to one of your representatives and they told me that they would take care of it but it still shows up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: AR

Complaint narrative:
Barclay 's Bank Delaware has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX of this year I discovered a {$380.00} charge to my XXXX XXXX ( NetSpend ). This charge was not of my doing and I immediately reported the fraudulent transaction to the debit card company. I was told by customer service that the vendor ( a company named XXXX ) would have to cancel the transaction prior to the money being released from " pending '' status. At this time I was told that such releases normally happened after three to five days. It was also at this time that the card was cancelled and I was furnished with a new card within a matter of two days. 

Since no efforts to resolve the situation were undertaken by the XXXX, I contacted XXXX via chat found on their website. My initial contact occurred on Thursday, XX/XX/XXXX, with a follow-up occurring the next day to inquire when the company 's security team would contact me. I was initially informed that a security rep would be in touch by the end of the XXXX, however I've never spoken to a security rep but was told on Monday, XX/XX/XXXX by an XXXX customer service rep named XXXX that the transaction was canceled and the status of the transaction should be lifted within three-five days. 

The communication between myself and XXXX occurred via email ( provided ) and each of these were provided to XXXX, however they would not accept them as proof. The company stated they required an official response by XXXX on letterhead before they would lift the pending status of the funds. It has now been 15 days since I first brought this issue to the attention of XXXX and it appears their intention is not to do anything ; to leave the issue unresolved for an indeterminate amount of time. XXXX ( NetSpend ) has done nothing to help and seems bent on treating me as if I instigated the initial transaction, which I did not.

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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have disputed the an account with XXXX XXXX and tried to get the credit reporting agencies to remove on my credit report. I never signed up for service with XXXX XXXX and have disputed it but the credit reporting agencies did not remove it. I sent a validation request to XXXX XXXX through certified mail with request for receipt confirmation and they have not supplied proof requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have disputed the an account with XXXX XXXX and tried to get the credit reporting agencies to remove on my credit report. I never signed up for service with XXXX XXXX and have disputed it but the credit reporting agencies did not remove it. I sent a validation request to XXXX XXXX through certified mail with request for receipt confirmation and they have not supplied proof requested.

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 2018-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Chase Cards has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Consulting Services, Inc.
State: CA

Complaint narrative:
I have disputed this debt numerous times with no removal from XXXX. This account was from my ex wife child and not mine. I was told through XXXX that Credit Consulting Service said it was mine. The check written to the original debtor even shows someones name, not mine. Account # XXXX. This account was also granted to my ex through the divorce court. I have sent all documents to XXXX and the creditor and have had no luck. 
Company : CCS Date : XX/XX/2013 Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For almost two years I have been a member with XXXX XXXX dba XXXX. I was funded my first loan on XX/XX/XXXX and it was paid back in full, on time, on XX/XX/XXXX. Since then I have never missed a payment. But when I look at a recent credit report, with but not limited to, XXXX, XXXX, and TRANSUNION, under my social security number, it shows the opposite. 
Reports show incorrect/missing info. More specifically, incorrect balance, incorrect account status, incorrect payment status, incorrect remarks, incorrect worst payment status, incorrect closed date, and incorrect payment history. 
I have documents proving that my account was paid and is up to date. I have an email from XXXX, thanking me for such payment. I have also faxed in these documents to the credit bureaus including but not limited to, XXXX, XXXX, and TRANSUNION on or around XX/XX/XXXX. Because when I spoke with an agent at XXXX at the beginning of XX/XX/XXXX, they said that the account gets reported to the credit bureaus in the middle of the month, and no change was made to my reports. 
My latest reports came in where TRANSUNION just removed my XXXX account all together, and XXXX and XXXX just lowered my amount owed to {$280.00}. 
These improper procedures are highly damaging my credit scores and they need to be updated immediately.

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 2018-05-07 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: CA

Complaint narrative:
For almost two years I have been a member with XXXX XXXX dba XXXX. I was funded my first loan on XX/XX/XXXX and it was paid back in full, on time, on XX/XX/XXXX. Since then I have never missed a payment. But when I look at a recent credit report, with but not limited to, EQUIFAX, XXXX, and XXXX, under my social security number, it shows the opposite. 
Reports show incorrect/missing info. More specifically, incorrect balance, incorrect account status, incorrect payment status, incorrect remarks, incorrect worst payment status, incorrect closed date, and incorrect payment history. 
I have documents proving that my account was paid and is up to date. I have an email from XXXX, thanking me for such payment. I have also faxed in these documents to the credit bureaus including but not limited to, EQUIFAX, XXXX, and XXXX on or around XX/XX/XXXX. Because when I spoke with an agent at XXXX at the beginning of XX/XX/XXXX, they said that the account gets reported to the credit bureaus in the middle of the month, and no change was made to my reports. 
My latest reports came in where XXXX just removed my XXXX account all together, and EQUIFAX and XXXX just lowered my amount owed to {$280.00}. 
These improper procedures are highly damaging my credit scores and they need to be updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/2017 I overpaid my credit card by {$400.00}, resulting in a - {$400.00} balance. 

I have called and requested for a refund to be mailed to me each month and have yet to be receive the refund. 

Each month I call, they confirm my address, stop payment on previous check, and claim again they are mailing a new refund check, but it never arrives. 5 months in a row now. 

I have escalated this to them internally asking for a refund and they have claimed they can not do anything different except to try to mail another check again. This seems really wrong as I have been waiting almost 6 months to get my money refunded.

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 2018-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I purchased a knife via XXXX and paid using my checking account and received a significant less valuable knife that I did not order. First, XXXX declined to cover the purchase because they say the knife is not a protected purchase. This decision was not compatible with their acceptable use policy because nowhere in XXXX acceptable use policy does it say that the knife I purchased is prohibited. They use broad language and do not say that an automatic knife is prohibited and leave the consumer unprotected. Additionally I was under the impression that my purchases are protected from Wells Fargo, especially if I purchased a product and received something substantially different from what I ordered. I disputed the transaction for the product being different than described and fraudulent. The claims assistance center mailed me a letter saying that they found the charge was authorized. This was not what was disputed. What was challenged was that the item I received was not the same. This makes me much less interested in continuing my business with Wells Fargo if they can not protect me from a fraudulent transaction when the merchant is not replying to my communication.

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 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Viking Client Services
State: SC

Complaint narrative:
I utilized XXXX XXXX 's services during a trip to New York during the dates of XX/XX/XXXX to XX/XX/XXXX. During the trip, I incurred an additional cost due to tolls, when I did not opt-in to their toll program. However, during the vehicle drop off, I was told that no such costs were incurred and I did not owe any additional money other than what was originally agreed upon. I received a receipt for the agreed upon amount that I paid. 

2 months later I received a bill from a debt collection agency for those tolls costs. XXXX XXXX never attempted to reach out to me to get me to pay the fee. It was immediately sent to debt collection with Viking Debt Collections, and because of it I took a serious hit to my credit score. My contact information was available to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX, I attempted to work with XXXX on a loan modification on property XXXX XXXX XXXX XXXX, XXXX Texas. I worked for 2 years to try to modify the loan. Each time I sent paperwork in, it was missing something or they couldn't open email or didn't receive the faxes. Then I would have to start over and each time they delayed the modification. Every 3 months I was on a forebearance payment. Then I got notice that they sent a notice denying my modification and they sent it to foreclosure in XX/XX/XXXX. When I offered to pay the back fees and missed payments they gave me an astronomical number that I could not pay. There was a second mortgage on the property owned by Washington mutual and then later sold to JP morgan chase. I did not receive any documents from XXXX or Chase on what the house was sold for and did not voluntarily forfeit the property. Chase sent the Cancellation of Debt for that period and have represented it as the foreclosure occurred on XX/XX/XXXX when actually the event should have occurred in XX/XX/XXXX, not sure of date because I received no paperwork. Also the fair market value of the property is not correct. The fair market value should have been taken for XX/XX/XXXX instead of XX/XX/XXXX. We feel that we are not responsible for the debt in XX/XX/XXXX when it was suppose to be XX/XX/XXXX when we were insolvent. Also we were misrepresented with Washington mutual and the second mortgage was suppose to be tied to the property. Chase was notorious for these kind of tactics in XX/XX/XXXX thru XX/XX/XXXX with foreclosures and we have had other properties that foreclosed in that era that chase actually had a lawsuit where we got proceeds from. We will include the Cancellation of debt but redact it as in dispute with Chase. We have sent a letter to chase to make the changes on the document and the document to the IRS. We also didn't receive the XXXX Debt cancellation until the end of XX/XX/XXXX. They also didn't release the lien until XX/XX/XXXX even though the property had been sold. When I called and spoke with Chase concerning this mattter, Chase stated that they sold the property in XX/XX/XXXX for enought to cover the first and second mortgage but by law they did not have to pay off the second mortgage. When I asked Chase to show me proof of bills they had been sending to try to recover this second mortgage, they stated that they do not send out any bills and that we just should have known. When asking them about the fair market value being for XX/XX/XXXX and not XX/XX/XXXX, Chase stated that they can make the fair market value what every they want to make it. I asked to speak with a manager or someone in a higher positiation and they stated they were they highest position in Chase. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation