vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CL Holdings LLC
State: NV

Complaint narrative:
This account has been bounced to over four collection agencies since XXXX, this case has exceeded California statute of limitations and is trying to be collected against rules and regulations of debt collection policies. I have contacted bank way back in XXXX and explained that they charged me overdraft fees on an account that was closed. Please help with this matter thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX .Dba XXXX XXXX  located in XXXX Fl. the Bill of Sale states the amount at $XXXX XXXX then created another Bill for $XXXX. XXXX submitted for the loan amount of the XXXX to the lender, this was on XX/XX/XXXX. The lender is XXXX XXXX XXXX in financing, this lender does not give me the appropriated credit for payments made. My payments are $XXXX  per month, I have been over paying re-guesting that the overage be applied to the principle, they refuse to do so. They are also applying the wrong amount as paid they are applying $XXXX to the principle instead of the $XXXX, and are applying $XXXX in interest. therefore my totals do not go down like they should, I have provided several hundred dollars in over payments with out getting the credit for them. The billing here is inappropriate and seems to be designed to keep me paying and extending the payoff, i believe that they are taking advantage of me and creating more of a financial burden for me by not accrediting my account with the appropriate credits.I did write to them requesting an audit of my account and received a response that was not satisfactory and they continue to do their funny numbers. I need help with this matter, thank you.
XXXX XXXX XXXX XXXX XXXX a tcf company, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ca XXXX Account number XXXX. I am XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX, phone XXXX. According to my credit score the percntage rate that was given should have been lower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FBC MORTGAGE, LLC
State: AZ

Complaint narrative:
My financial institution mailed a check on XX/XX/XXXX. 

FBC Mortgage LLC mishandled my payment. They assigned a late fee on XX/XX/XXXX of {$53.00}. They cashed the check sent by my financial institution on XX/XX/XXXX on XX/XX/XXXX. 

I then wrote a letter explaining the situation to FBC Mortgage LLC on XX/XX/XXXX and asking for a refund of the late fee. To date I have recieved no response and recieved no credit on my account. 

It seems a questionable financial practice to take 20 calendar days to process a payment. It seems unfair to assess a late fee when payment was received within the required timeframe. It seems a calloused practice to ignore my written request for a refund of an unfair fee. 

To make matters worse I also called the payment processing dept. of this company on XX/XX/XXXX. I was offered an online payment service. I asked the representative if my payment delay would have been avoided by use of an online payment service. I was told by the rep. the company often mishandles automated payments. 

They are in need of an upgraded payment system but are unwilling to upgrade the system. 

I would like my mortgage sold and transferred to a financial institution that will treat me with the respect and dignity I deserve. I make my payments on time and have done so for over 16 years of homeownership with institutions like XXXX, XXXX XXXX and XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
My issue both on the personal and business accounts with Huntington Bank XXXX XXXX, OH that they for mths have been with drawling " fees '' from my accounts with no supporting documentation and in excess of the original agreed to amounts. I have been told for mths they would get me answers only to hear excuse after excuse. They to date have shown nothing in writing both prior, after or upon my multiple requests for why this is happening. I have communicated both with my local " mgr '' and their headquarters in XXXX. I am not sure where to go from here, but these fees are in excess of several hundred at this point and while I will be looking to move my accts to another bank, this is simply wrong to not be able to document the charges ... again prior to or after ... but especially after being asked. Month after month of written requests to Huntington. I am hopeful that a complaint filed may get their attention or care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On my credit report it says that I lived in XXXX, AZ. I've never live in Arizona. I'm trying to figure out where this information came from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Bureau of Jonesboro, Inc.
State: AR

Complaint narrative:
I tried repeatedly to contact the collection agency about this debt. They never would call me back or work with me to settle or figure out if this debt is legitimate. The name of the collection agency is XXXX XXXX   XXXX. The original creditor is listed as XXXX XXXX. The debt was supposedly opened on XX/XX/2014. The balance is {$310.00}, I have no knowledge of this supposed debt, and question whether this is a legitimate debt, and company, being as they didn't want to resolve the issue when contacted nor have any contact back with me as stated on the phone. My personal information was taken but company made no effort or attempt to resolve the issues of the unknown debts, that were reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
There was an affidavit previously filed under number XXXX. The dispute was closed after CHASE responded with unfactual statements. In CHASE 's response they ensure that the form was filled out incorrectly. 

On the form, the name and period of time was complete. The remaining 2 parts of the form were the signature and certification of signature by the banker who should have done the medallion stamp. The signature should not be signed until in front of the banker who has to see you sign the document before stamping it. 

The banker said that they could not do that form at all. She did not say that her back office told her that the form was filled out wrong. I can prove this as I have the conversation recorded. 

I am not at all pleased with how this has been handled. XXXX XXXX was well aware of what she said and should be held accountable. I would also like to proceed with getting a medallion stamp now that CHASE has finally admitted in writing that they DO stamp the Treasury Direct FS Form 0385.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Couch Conville & Blitt LLC
State: TX

Complaint narrative:
Collection agency, who claims to be a law firm, Couch Conville & Blitt LLC, sent me an initial letter dated XX/XX/XXXX, allowing me 30 days to dispute the validity of the debt. 

HOWEVER, the actual postmark on the envelope and the mailing date was much later, on XX/XX/XXXX, thus shortening the amount of time I had to dispute the debt by NINE DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Jonesboro, Inc.
State: AR

Complaint narrative:
The collection agency is named XXXX XXXX  XXXX. The original creditor is XXXX XXXX XXXX. I have no knowledge of this debt and have tried repeatedly to contact the collection agency and never got a response back. The date this was supposedly opened was XX/XX/2011

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
A XXXX XXXX XXXX XXXX XXXX XXXX was closed on XX/XX/2017. This card had a maximum line of {$500.00} and was closed " due to delinquency of payment ''. The statements were, in the months before closure, being mailed to my daughter 's address in Utah, where she had moved to attend school. While there she became XXXX and admitted for an extended period of time. Because of this unfortunate event, the statements apparently went unheeded as she lived alone. As the statements were being sent to a different address than mine ( in the XXXX area ), I was unaware of the issue. 

After a period of non-payment, I was finally notified of the delinquency by a member of the XXXX XXXX 's Collection team, whereupon I IMMEDIATELY visited our local branch in XXXX, IL and discussed this with my personal banker. He and I then contacted the XXXX XXXX credit card department and discovered that the card was in fact closed with an outstanding balance including late fees coming to a total of {$480.00}. I IMMEDIATELY authorized a payment over the phone to satisfy the outstanding balance and all fees. As a co-signee I feel the bank had an obligation to let ME know the account was overdo BEFORE the card was closed and before this situation was reported. 

As a result of this situation my credit rating has gone from close to XXXX down to the low XXXX 's and I feel that I should not be so penalized. Expediency in this matter is important because I am currently in the process of attempting to procure pre-approval for a new home mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I wrote a letter to Transunion seeking the information used to validate the following Debut reporting on credit report ( XXXX XXXX ). I received a copy of my credit report stating the investigation has concluded and that the debut is valid. Id like to remind Transunion that along with the letter I sent my XXXX which as an XXXX XXXX service member shows my entry and exits to the the UNITED STATES OF AMERICA. i only recently returned in XX/XX/XXXX. The date reported as opened is XX/XX/XXXX which is impossible as I wasn't present in the USA. Secondly, I havent received anything the validates this debut yet you are continuing to report this fraudulent account. Send billing history doesnt constitute as validating the debut. As you know with fraud the account is placed in another persons name. Where is the signed contract with XXXX XXXX, Where is the reason the amount is owed. Also, I subpoena the Tax transcripts for XXXX XXXX  the account was listed as a profit loss and there for the company was given tax deduction brakes according to the law. This debut isnt mine and doesnt belong to me I want it removed. As you are in violation of the Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act and causing defamation of character.

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 2018-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: TX

Complaint narrative:
Collection agency, who claims to be a law firm, XXXX XXXX XXXX XXXX XXXX, sent me an initial letter dated XX/XX/XXXX, allowing me 30 days to dispute the validity of the debt. 

HOWEVER, the actual postmark on the envelope and the mailing date was much later, on XX/XX/XXXX, thus shortening the amount of time I had to dispute the debt by NINE DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I have asked the company to notify me in writing about the loan. Over the course of the vehicle loan, the company would resort to calling third parties or individuals with the same last name in cities located outside of where I live. 

I wrote them to ask them to stop this practice and eventually believed that the aforementioned collection practice ceased. 

I have a landline set up for the purpose of using internet services. I also asked the company to communicate with me through the United State Postal Services. I received no billing statements from them for approximately a year XX/XX/XXXX. They wrote with an apology to say that it was an error due to their system. 

The vehicle loan was taken out approximately 5 years ago. I am currently employed seasonally. During the winter my work hours are reduced or are totally cut because I am considered an adjunct staff. 

I was 2 full months behind on the vehicle loan and have since paid the 2 months arrearage on XX/XX/XXXX The lender has demanded that I pay {$980.00} by XX/XX/XXXX including late fees in the amount of {$240.00} I paid {$740.00} cash on XX/XX/XXXX at a local banking retail center. The amount of {$370.00} was due on XX/XX/XXXX. I will be able to pay the XX/XX/XXXX and next payment of {$370.00} by XX/XX/XXXX The lender forwarded a NOTICE OF DEFAULT AND REQUIREMENT OF STRICT COMPLIANCE letter dated XX/XX/XXXX I received said letter on XX/XX/XXXX after XXXX XXXX. 

The vehicle loan 's maturity date is XX/XX/XXXX Due to the approximate 1 year, I have left to pay on the vehicle loan and my current seasonal employment status which has changed since the life of the loan, I respectfully ask that the lender not enforce strict compliance in amounts not currently due.I am also asking that the lender accept current and all future payments so that I may satisfy the vehicle loan by said date of maturity. 

Pursuit of sections 805, 807, 808 all that would apply under the Consumer Financial Protection Bureau ( CRPB ) I am not in agreement with the lender 's threat to enforce repossession of the vehicle/ collateral or threat of legal action for any amounts due. 

I believe that I have given the lender a chance to correct the communication errors that have occurred during the lifetime of the loan. 

I ask that the lender offer a fair chance to me as the consumer and customer to bring the loan to a payment status that is satisfactory including past due amounts and any amounts that have become due before the payment deadline. 

I am therefore asking that the Consumer Financial Protection Bureau advise me of my rights and responsibilies as a consumer in order that I may bring resolution to this matter of business in a fair and respectful manner.

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 2018-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
coinbase.com has to give money to me as part of selling virtual currency. coinbase claims they initiated below wire transfers to my XXXX XXXX XXXX bank account. but money never arrived in my bank account.My bank clearly says they have not received the wires from coinbase. I have contacted coinbase many times but they never resolve the issue. please help me to get my money 1 ) {$2700.00} USD on XX/XX/2018 reference no XXXX 2 ) {$1300.00} USD on XX/XX/2018 reference no XXXX 3 ) {$240.00} USD on XX/XX/2018 refernce no XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
I HAD XXXX WHICH IS A MEDICAL CARD FROM THE STATE OF ILLINOIS. THEY STATE SHOULD OF PAID THIS WHOLE BILL. THE HOSPITAL DID NOT CHARGE THE RIGHT INSURANCE AND I HAVE TOLD THEM THAT BEFORE

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 2018-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: VIRTUOSO SOURCING GROUP, LLC.
State: MN

Complaint narrative:
Have these places, things, and address that I've never lived, credited, or worked. Phone numbers I never had Things never Applied for : XXXX XXXX/ XXXX XXXX/XXXX XXXX XXXX XXXX Virtuoso Sourcing Group Tribute Address never lived : XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX , XXXX  MN XXXX XXXX XXXX , XXXX  MN XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX , XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX , GA XXXX Telephone number never Had : XXXX XXXX XXXX XXXX Last name changed to XXXX ( maiden ) 2011 So would like to file a Dispute Please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: NC

Complaint narrative:
our landlord ( XXXX XXXX ) ended our lease XX/XX/2016 with notice To vacate by the end of the month. XXXX lease owed XXXX minus security deposit XXXX will waiting for the final bill they fill a eviction process for non payment of bill, this time, at the court even though we vacated as demanded earlier. the case was dismissed and received a final bill of {$900.00}. this amount was over estimated by more than {$220.00} court fee ( the maximum by law is 10 % of monthly rent ) {$150.00} wich was the promotion given to us for the first month of rent. we are two cosigner of the lease and tried over 1 year to correct the and pay. but the refuse to listen, knowing that it will cost us more than the amount they claimed to fill a law suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Regions bank in XXXX, Louisiana. Withdrew {$40.00} from atm. ATM gave me {$40.00}. When I looked at bank app on phone it said I withdrew {$400.00}. Called bank and they said they acknowledged error and if was not corrected within a couple of days then I should call back. A couple of days later I called and bank told me I was being charged {$400.00} because I withdrew {$400.00}. They said that i was wrong and that there was nothing they could do for me. Because of all this my account was overdrawn and I have been charged an additional {$35.00} for overdraft fee. Have called several times trying to explain that the first time I called they said they saw error and were going to fix it. They have told me they admitted no such thing and that I am making this up. They still want their overdraft and overdraft fee paid. Refuse to pay even more because of their error. Account is now closed will never use regions bank again.

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 2018-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am unable to access the ATM machines inside the branch after hours. The card reader to allow entry into the branch has been broken on 2 separate occasions. This happened at the Bank of America located at XXXX XXXX XXXX XXXX XXXX, IL XXXX United States

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 2018-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hi, My name is XXXX XXXX. The related company is coinbase. My issue is that I am unable to withdraw USD back into my bank account from my Coinbase wallet. The reason being is I do not have an SSN so I can not verify my account. However, the coinbase didn't require my SSN before I wired money into my account. I'm a XXXX XXXX in XXXX, XXXX and I don't have ssn, but I have verified my driver license. This is so serious because I just wired XXXX dollars into my usd wallet. The following are my case numbers : XXXX, XXXX. The case has been escalated and I was told that I will be approached by a specialist. However, it has been weeks and there has been zero response. Thank you so much for your time. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation