vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank ( JP Morgan ) is the bank i am filling this complaint against. 

On XXXX XXXX, XXXX, I did a quick pay transaction to XXXX via XXXX in the amount of {$1700.00}. the money was intended to pay for a car XXXX posted on XXXX for sale. After purchasing the car with {$1700.00} the paper work for the car XXXX gave me, i.e., a Marshal 's Certificate of Sale of a Motor Vehicle, to register the car was denied by Motor Vehicle ( DMV ). I started calling XXXX to get my money back since i could not register the car, since the chain of title was not proper. i called for more than 24hours, but he never picked up. Then i called Chase bank to report a fraudulent transaction. Chase then froze XXXX XXXX account. XXXX called me back immediately asking me why i called the bank to dispute the {$1700.00}. I let him know it was because he sold a car with deficient documentation. About 3 days later Chase bank credited my account with the {$1700.00}. XXXX text me saying since the money was returned to me by chase, he wanted to come picked up the car from my garage. i agreed. XXXX came and pick up the car. After XXXX picked up the car i called chase bank 's claim department to let them know XXXX XXXX picked up the car. I told XXXX the transaction with XXXX was over. XXXX said since i got my money back, was there any reason to continue the investigation. i said no, then they said i should put it in writing and fax it to them through any of there Chase Branch, then they gave me access to my account which has the {$1700.00}. 


On Tuesday, XXXX XXXX, XXXX, Chase bank reversed the {$1700.00} back to XXXX XXXX. When i questioned Chase bank about the reversal of funds, Chase said they did that because they determined the transaction was not fraudulent.I called XXXX on Tuesday, he did n't pick up my calls. When i called him from a different number, he answered the phone, but once he knew it was me he hung up the phone. i disputed the reversal of funds ( {$1700.00} ) with chase bank, but Chase refuses to restore the {$1700.00} to my account. i did not receive any notice from Chase that it was going to reverse the funds. attached are the text messages that shows XXXX took his car back when Chase bank initially credited my account. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
Been called at least 5-6 times for the past 2-3 week before and after work. 
XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX Voicemails : XXXX XXXX/XXXX/XXXX I spoke with a representative called " XXXX '' for XXXX XXXX XXXX XXXX  XXXX and I asked him about his company name , address or business license, he was n't able to provide any information and said I was going to be taken off the list, and they were looking for XXXX instead. 

It 's fraud and a scam. Please be aware of this number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX XXXX 2017 I send XXXX to Ally Bank and I was supposed to received it today on the XXXX of XXXX and I called XXXX XXXX and they told me I was credited to my ally bank today on the XXXX of XXXX and I still have n't got the money yet ive been calling both companies and no luck on my money I have the tracking number for this money its XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Walwick, Inc
State: WA

Complaint narrative:
I have received calls on an almost daily basis from XXXX XXXX XXXX  about a debt I should not owe. In the fall of XXXX, I was injured playing a XXXX Volleyball for my university- XXXX XXXX XXXX XXXX XXXX XXXX PA. Since my insurance ( XXXX XXXX XXXX ) was based in WA and I attended school in PA, my insurance recommended I go to the ER so that I could be covered for an XXXX if the doctor deemed it necessary, which they did. I have the documents from the Doctor explaining his thoughts on the injury. The Hospital administrator was on the phone with XXXX XXXX XXXX trying to get the authorization that night but they assured him it would get covered eventually and a few days later it was cleared so I got both tests done. A month later, I was injured again and my insurance decided they would not cover the new XXXX and were going to back out of paying the first one too. Since I had secondary insurance as an athlete ( Through XXXX XXXX  XXXX ) I submitted my claims to both ( XXXX XXXX XXXX and XXXX XXXX XXXX ) so that XXXX XXXX could deny it and then provide an EOB so XXXX XXXX  XXXX could Approve the coverage. The Hospital ( XXXX XXXX ) refused or chose not to bill my insurance in the proper order, meaning that I had to call several times a week ( including calls to XXXX XXXX XXXX and XXXX XXXX XXXX ) to try to get it sorted out. After months of calling, they were able to properly bill my primary and secondary insurance on some smaller charges but still did not do that for the larger amount, regardless of how many times I called. Each of the places I called would all point to the other as the source of the error. For about 6-8 months I did not receive any communication from the Hospital and assumed the bills had finally been distributed properly. Apparently the Hospital decided to send my debt to a collector without my knowledge even though they were at fault for not billing the insurance in the proper order, which I gave them numerous times. Now I get pestered by XXXX for a large bill I should n't even owe. They have told me that it will damage my credit multiple times and have even found a way to contact my family members without my permission or knowledge.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
This morning I attempted to access my money market account to authorize a transfer for a future date. My money market is with " XXXX '' - formerly XXXX XXXX formerly XXXX XXXX XXXX My regular log in no longer works, I requested a new pincode to be sent to my email. After 10 minutes I called the number to get a reset. I spoke with a representative on a recorded line who instructed me to clean my cookies- this did n't work. I was then instructed to change my browser- this did n't work either. The representative told me that since this was the first week, there were a few bugs in the system as they launched the XXXX brand. 

I spoke with a supervisor, who apologized, but could n't resolve the issue. He said I could make transfer with telephone banking. This is not acceptable. 

I checked my email a few moments ago and received a pincode sent at XXXX this pincode expired within 15 minutes. 

This bank is making it impossible to access my funds. They should not be allowed to launch an inoperable system. 

I do n't have high expectations for Goldman Sachs and their shoddy and shady XXXX XXXX practices -- their inability to change a system that worked fine to " rebrand '' and thereby making it challenging for consumer to access funds, goes beyond the pail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I have a XXXX XXXX XXXX financed with XXXX XXXX XXXX. I applied for a two month deferment for the months of XXXX and XXXX XXXX. The deferment was approved for those two months and the payments were added to the end of the loan. However, my credit report was not updated to reflect the deferred payments. XXXX are currently reporting Inaccurate information to XXXX, XXXX and XXXX. They are reporting XXXX and XXXX XXXX as 60 days late. Those two months were approve for deferment. 
I applied again for another two month deferment for the months of XXXX and XXXX XXXX. I was approve for that two month deferment. XXXX XXXX is reporting Inaccurately to XXXX, XXXX and XXXX they are reporting my account 60 days late for XXXX and XXXX XXXX. My credit report XXXX, XXXX and XXXX has not been updated to reflected those months of deferments. I want these 60 days lates removed from all three of my credit reports. My account became current due to the deferments that I was approved for. XXXX and XXXX XXXX XXXX and XXXX XXXX. Inaccurately reporting these months 60 days late and need to be updated as current for the deferment time. Delete this negative reporting from my XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
We filed a complaint with the CFPB in regards to our mortgage that we having been trying to refinance out of. We are told by the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that the deed Wells Fargo Financial recorded against the home was never approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My family was devastated by the California Wildfires, when I called my CC company citi back to ask to see if there are benefits or waivers I can take advantage of they said NO. Every other card that I have either waived my payment or late fee as a result. Citi Bank was the only ones who said they will not help. I live in XXXX XXXX and the Fires were in XXXX which is only less than 5 miles. 

I would like to file this complaint as to see why Citi Bank is denying emergency benefits to minorities like myself. How many others have fallen victum with XXXX. I will not be doing business with this bank anymore do to this outrageous blatant racism.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Integrated Recovery Services
State: KS

Complaint narrative:
Repeated phone calls and leaves messages saying I am going to be sued if I do n't return call. Called them back today XXXX and XXXX XXXX said they will file suit for {$1200.00} dollars but they would settle for 30 % if paid today. I told him I wanted proof of the debt by mail in which he said he will not. He then started cussing me calling me profane names and said he would keep calling my place of employment and get me fired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I tried to contact Citibank using their online email in my account, but I can not send a new message TO Citibank from my account. I do NOT want to use Citibank chat. Why was my online email disabled AND why was I NOT notified in advance???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
In XXXX XXXX I received a notification from XXXX that an account was placed in collections. When I checked my credit report and saw XXXX XXXX XXXX XXXX, I immediately called them to inquire about the debt as I had not received anything in the mail and was not aware of it. When I spoke to their representative I was informed that the vendor was a XXXX XXXX and I tried to explain that I had spoken with XXXX XXXX several months earlier when I closed my account as I was going to move to a new address and no longer needed water delivery service. At that time I made a payment to XXXX but apparently, there was still a small amount due. I do n't remember the exact amount but I want to guess it was under {$80.00}. Again, I never received anything in the mail about this and the first I heard of this was through XXXX once it was already too late. I made a payment by phone to the collections rep and respectfully asked if this could be removed from my credit report as it negatively affected my credit score. The collection rep was very rude during this entire phone call and advised me that he was not sure if he could do that since he did not believe my story. I again expressed to him that this was not intentional on my part. I just checked my credit report again today and realized that this negative mark is still hurting my credit score. I would greatly appreciate it if this can be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I can not connect my XXXX account to coinbase to withdraw money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Offices of XXXX and XXXX XXXX XXXX XXXX ( no street address ) XXXX, CA XXXX ( XXXX ) XXXX Called me XXXX/XXXX/XXXX @ XXXX XXXX from ( XXXX ) XXXX ( XXXX XXXX TX XXXX ) robocall stating a package was undeliverable and to call back at a XXXX area code number. I called the XXXX and was connected with XXXX. Original creditor was XXXX XXXX. Amount charged off was {$2700.00} with {$43000.00} interest - a total of {$7000.00} on XXXX/XXXX/XXXX. They are filing a XXXX, as current creditor, for the full amount if I do n't pay {$2100.00} by XXXX/XXXX/XXXX. The originally mentioned they have a judgement against me from court. I was never notified. 
I had mentioned XXXX XXXX hadcollected {$1000.00} from me in XXXX XXXX to pay off my Providian account. I was told it was n't the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Walmart Store Credit Card through Synchrony Bank - I was not able to use my bank card and found that Walmart wrongfully processed a payment for {$150.00} on XXXX XXXX, 2017, when I signed up for recurring payments of only {$25.00} per month. It takes a couple of billing cycles before it started on XXXX XXXX, 2017. When I called them, they said that when there is a minimum payment due that will get processed before recurring payments for less than that amount. This was not stated on their website when I processed the recurring payments. I made payments as needed {$25.00} and {$50.00} until recurring payments were to start. Walmart states it can take weeks before the complaint process is set up and I would receive something in the mail. My bank account is overdrawn, accumulating overdraft fees and now, any other payments I set up for payment of my bills will be returned unpaid. 

I can not afford to wait weeks for Walmart to send a request into their complaint process and respond by regular mail. It was an unauthorized payment against my bank account and should be immediately taken care of. 

Because of what occurred I immediately cancelled recurring payments so this does not happen 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 monetary relief
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Collection Services, Inc.
State: WA

Complaint narrative:
I have received calls on an almost daily basis from XXXX XXXX XXXX about a debt I should not owe. In the fall of XXXX, I was injured playing a XXXX Volleyball for my university- XXXX XXXX University XXXX XXXX XXXX PA. Since my insurance ( XXXX XXXX XXXX ) was based in WA and I attended school in PA, my insurance recommended I go to the ER so that I could be covered for an MRI/Xray if the doctor deemed it necessary, which they did. I have the documents from the Doctor explaining his thoughts on the injury. The Hospital administrator was on the phone with XXXX XXXX XXXX trying to get the authorization that night but they assured him it would get covered eventually and a few days later it was cleared so I got both tests done. A month later, I was injured again and my insurance decided they would not cover the new XXXX and were going to back out of paying the first one too. Since I had secondary insurance as an XXXX ( Through XXXX XXXX XXXX ) I submitted my claims to both ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX so that XXXX XXXX could deny it and then provide an XXXX so XXXX XXXX  XXXX could Approve the coverage. The Hospital ( XXXX XXXX ) refused or chose not to bill my insurance in the proper order, meaning that I had to call several times a week ( including calls to XXXX XXXX XXXX and XXXX XXXX XXXX ) to try to get it sorted out. After months of calling, they were able to properly bill my primary and secondary insurance on some smaller charges but still did not do that for the larger amount, regardless of how many times I called. Each of the places I called would all point to the other as the source of the error. For about 6-8 months I did not receive any communication from the Hospital and assumed the bills had finally been distributed properly. Apparently the Hospital decided to send my debt to a collector without my knowledge even though they were at fault for not billing the insurance in the proper order, which I gave them numerous times. Now I get pestered by XXXX for a large bill I should n't even owe. They have told me that it will damage my credit multiple times and have even found a way to contact my family members without my permission or knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
On XXXX/XXXX/XXXX I found out that there is a negative on my credit, from XXXX XXXX. It shows that I owe {$1600.00} from an account that was paid in closed in XXXX. Apparently this was just reported on my credit. This was a shock as I have always gone to great strides to keep my credit good. I need to know why something that was paid 4-5 years ago is on my credit? I have talked with XXXX XXXX, they were n't able to help and referred me to TD bank ( they handled the retail card services for XXXX ). TD bank is the creditor that reported the inaccuracy however they have been nothing but difficult. I was hung up on at least 3 times and they were unable to give me an answer as to why someone with TD bank decided to put this inaccuracy on my credit after it has been paid and closed for years. There has to be some accountability from these companies, especially TD bank!! This situation has caused me to not be able to finance a car and countless hours of stress and phone calls etc. Now I 'm being told that I need to put a dispute in with all the credit companies and wait up to 90 days. This is NOT acceptable. I paid my bills. TB bank reported an inaccuracy and I ( the victim in all of this ) am now being told " sorry about your luck ''. I want this matter corrected and TD bank held accountable for their actions.

Company response to consumer: Closed with non-monetary relief