vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
I have a student loan that has been in default for some time. Both GC Services Limited Partnership and the US Department of Education indicate to go to the XXXX website for up to date information on the balance and status of a student loan. On XX/XX/18, I went to the website, got the exact balance, and paid it off. I then contacted both the Department of Education and GC Services Limited to express that I had made the full payment, in the amount shown on the website of {$3800.00}. In discussion with the Department of Education and GC Services Limited, at no time was there any indication of further debt being owed, over and above what was on the website, and I was informed I should show a {$0.00} balance on my account within 3 - 5 days, per the Department of Education, and that it would take a few days longer for it to reflect the same with GC Services Limited. This morning, I went to the XXXX website to find that I did not have a {$0.00} balance, but a balance of over {$700.00} dollars showing. I made contact today, XX/XX/18, with the dispute resolution group at the Department of Education to express my concern, my disapproval, and my feeling of being both the victim of a bait and switch and defrauded, as there was ample opportunity for the website to have been made accurate prior to my payment, and, during the discussions with both groups after payment was made, to tell me if there was an issue. The individual at the Department of Education informed me her system shows over a {$900.00} balance still remaining due. To that end, the Department of Education is sending me a dispute form via snail mail, which will take 7 - 10 days to arrive, that I must then fill out and mail in to another address for processing, however, that will not stop interest from accruing. In my conversation today with the Department of Education I have laid out the requirement that the fees all be waived due to this being a misrepresentation on the website, which is clearly not something I maintain, making this a true bait and switch by this organization, especially since the Department of Education is also being given different, false, fraudulent information by the organization they've chosen to hire.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have incorrect names and aliases on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX My only correct name should be : XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-07-13 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: MI

Complaint narrative:
on Monday XX/XX/2018 I call my bank and put a stop payment on check # XXXX for {$2800.00} to XXXX XXXX the stop payment successful and money was return to my acct. on XX/XX/2018 XXXX XXXX was able to walk into the Chase bank and cash check # XXXX the XXXX was withdraw from my checking acct at the branch in XXXX XXXX .mi the bank had withdraw {$30.00} fee. now that tell me they are sorry but there is nothing they can do and credit my acct {$30.00} fee there is nothing they can do fore me that I need to take it up with the branch.i have a clams number that I file # XXXX clams dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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 — Was not notified of investigation status or results
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
XX/XX/2018 A collection agency Phoenix Financial Services reported a past due owed to the establishment in the amount of {$570.00}. I was not notified that there was an account with them, nor do I have a signed contract with this agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: NY

Complaint narrative:
I am uploading a letter I received yesterday XX/XX/XXXX from XXXX XXXX. I am disputing an error that is reporting on my credit reports. XXXX  XXXX is saying that they have no control on how the cra reports information. There is one account that is stating the account is paid as agreed but with a 30 day late payment in XXXX. This is completely incorrect. The XXXX XXXX account is showing as accounts that are potentially negative and will go to a positive status in XXXX. There is also a number 1 code under the account. If the account is paid as agreed it should be listed under accounts that are satisfactory. I have been requesting XXXX XXXX to correct this on my credit reports and just move the account to : accounts that are satisfactory : which the account is!

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 2018-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have incorrect names and aliases on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX My only correct name should be : XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-07-13 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: TX

Complaint narrative:
I have incorrect names and aliases on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX My only correct name should be : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
This company calls themselves ARA. They said they are a litigations company and when I asked if this was a law firm, she said Yes, you call it that. They are calling relatives and claiming to be from the county and have a case #. On the phone, she refused to give me an address for correspondence. She said, they would find me & serve me & I can do a C & D in court. She also said they are not debt collectors so she couldnt c & d.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased a vehicle and XXXX XXXX XXXX, financed it. I made all of my payments on time, and paid the vehicle off sooner than the projected pay off date.I received a letter in the mail from Ally stating that during the year that I was purchasing my vehicle, there was over payments made by purchasers. There was a settlement and consumers will be receiving a portion of the settlement. I received a check in the amount of {$310.00}. I lost the check while moving and recently found it. The check was written in XXXX. I contacted Ally Financial and explained this situation to them, and I was told that is will not be a problem replacing the check. i was told to send a copy of the check, along with the last four digits of my social. After 3 weeks passed and me not hearing from the company or receiving a new check, I reached out to them again. The second time I spoke with a different representative, she told me to give them a couple of days to make sure that the check hasn't been cashed. I gave her all of the information on the check. She also told me that if I haven't hears from them in two business days that, that mans everything is good and they will send the check out. This was a month ago. Tuesday, XXXX, XXXX, XXXX. I called Ally Financial again to find out what's going on with the check, that i haven't received. Of coarse, I spoke with a different representative this time. I explained everything to her, and gave her the reference number that was given to me, ( XXXX ) the last time I called. I was put on hold 3 times for 3 to 4 minutes each time, while she went to " speak with her supervisor '' about this matter. The representative came back to the phone the last time she put me on hold. She told me that she spoke with the supervisor, and that the supervisor said that the check number ( XXXX ) was not a check from their company, and there was nothing that she could do.

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 2018-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Used XXXX through my banking app to transfer money for custom glass art that I was purchasing online. I sent {$500.00} XX/XX/XXXX and then another {$500.00} XX/XX/XXXX but didn't post until XX/XX/XXXX seller told me he received the money and that he would start the custom work and I would have a tracking number in a week and the art work in a week after receiving tracking number. A week went by and didn't hear anything I contact art seller and he informs me he q and s short on material and the art pieces will be done in the next few days and I'll be hearing from him. 3 days go by no phone calls or email so I call and his phone is disconnected and I can not reach him. I used XXXX through my bank and thought it was secure due to my bank offering it as a service no where did they disclose that there was no protection and that I should only send it to people I know personally. I called my bank to try to resolve the issue and they told me there's nothing they can do about it how can a bank offer services without protecting their customers or at least making it clear there's no protection for buying goods though Wells Fargo mobile app using XXXX

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 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have disputed with the credit bureaus about an account I seen on my credit report, they came back saying the account was verified. I asked how was it verified they claimed I had to call the collection agency. so I called XXXX XXXX/ RESURGENT and asked how did they claim the account was verified they said just by my social. the first person I spoke with as named XXXX, who on a recorded line stated they only verified using my social security number no other identifying information was given from the original creditor. if I wanted more information I would have to write them for it. why would I need to write them for more information when she already told me they just had a social to verify it. where is the contract signed, dated with proof of my identity that was used for the account in mention? there was non. so iasked to speak to a supervisor which her name is XXXX, she was no help at all. she said we can dispute it again I asked how would you verify the account is mine? she said by social. so no one has physical proof of this account? nothing more than a social security number? that's how people get over on things because no one asks for photo ids along with social security or other identifying documents, so much identity theft in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one 360 will not give access to the private parties that want to look at my account history so I can be approved for a loan this is stopping me from financial aid I've reached out to capital one 360 all they say is sorry we can't ... but it's my account not there's to even control

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: NY

Complaint narrative:
I am uploading a letter I received yesterday XX/XX/XXXX from XXXX XXXX. I am disputing an error that is reporting on my credit reports. XXXX XXXX is saying that they have no control on how the cra reports information. There is one account that is stating the account is paid as agreed but with a 30 day late payment in XXXX. This is completely incorrect. The XXXX XXXX account is showing as accounts that are potentially negative and will go to a positive status in XXXX. There is also a number 1 code under the account. If the account is paid as agreed it should be listed under accounts that are satisfactory. I have been requesting XXXX XXXX to correct this on my credit reports and just move the account to : accounts that are satisfactory : which the account is!

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 2018-07-13 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: DC

Complaint narrative:
Equifax continues to report erroneous inquiries information on my credit report after I have sent them verifiable proof ( via certified mail XX/XX/18 and XX/XX/18 ) that the inquiries were not made by me. I have sent them several letters via certified mail to prove that the inquiries were mine. I have also sent them documentation proving that I was the victim of identity theft ... all to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is blocking me from enabling external applications while trying to use the XXXX App

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation
State: TX

Complaint narrative:
Hello, I am writing this complain because Avant denied my application for a loan with them for the simple reason that they " couldn't verify my identity ''. This is the explanation they give me with no explanation on why they didn't request more documentation showing my identity. I feel they discriminated against me because of my name, ( XXXX ). I contact them several times to explain how come they didn't ask for more information but their customer support wasn't helpful at all. They only gave me two options, either wait for another 30 days to see what their resolution department will respond or re-apply for the loan. This is not acceptable. My resolution is for speak with real person about this situation. Their process and customer support is the worst I have experience in my life time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/18, I initiated a wire transfer from my account as HSBC USA to my own account at XXXX XXXX in XXXX for {$35000.00}. I logged into my HSBC account and initiated the transaction using a template that I set up in XXXX when I successfully transferred {$70000.00}. 

On XX/XX/18, the funds had not arrived. I contacted customer service and they confirmed that such a transfer should only take 1-3 business days. I was then told that my relationship manager had to provide additional information. This struck me as strange as I had no relationship manager ; had never been contacted by a relationship manager ; and that this was never a requirement in the past. Eventually, the representative took the required information on behalf of the non-existent relationship manager - the information was the exact same information as the wire instructions. The only additional information I supplied was the branch number, information that XXXX XXXX assured me was not necessary for funds to be delivered. HSBC said the funds would be wired that day. 

On XX/XX/18, I called again and was told that there were security issues and system issue so that the funds had not been wired, but that they would be wired that day. 

XX/XX/18, I called again and was given a series of excuses why the funds had not been delivered, but that an investigation was underway. 

After XX/XX/18, the communication switched to email ( attached ). I have been emailing the relationship manager and customer experience team ( who is in charge of the latest investigation ), but all email responses have ceased since XX/XX/18. I have called both teams, but no one picks up the phone. 

Conclusion : my account was debited on XX/XX/18 for {$35000.00}. As of XX/XX/18, the funds have not been delivered to my account in XXXX and HSBC is unable to tell me where the funds are. And HSBC does not respond to email or phone calls any more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-13 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: AFNI INC.
State: MI

Complaint narrative:
AFNI has reaged my debt. It should be from XX/XX/XXXX and no longer on my report. They are reporting it new as of XX/XX/XXXX. I have disputed this with the credit bureaus and attempted to resolve with the creditor and they will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I Buy a service to XXXX XXXX through My Bank debit card of Bank of America, XXXX  XXXX Didnt bring me the service that i bought, so i call the Airline and they didnt solve me nothing so i calles Bank of America and start a Investigation for that transaction, the representative who attended me va phone call told me that in the next 24 max 48 hours the Bank Was going to Put in my account a temporary credit while the investigation is complete, after 48 hours i called again to Bank of America and the representative told me that in the next day ( 3 ) Days the temporary credit was going to be my account, today is the five days i called again today to the bank and told me that my temporary credit can not be placed until after 10 days because my account is a New account, my complaint is for false information to the client from Bank of America, if they dont place temporary credits before 10 days to News accounts, why the firts representative cheat me saying me that my temporary credit was going to be accredited in 24-48 hours, and why the Second representative told me that my temporary credit was going to be accredited in the next day? And the third representative told me something completly diferent to what the firts two representatives told me? Diffusion of false information? Cheating the client? Manipulation of policies for the convenience of the bank? I want that my problem be resolved now, that the XXXX XXXX  return my money, the bank make firts word that gave me when the investigation began, and compensation too for this horrible moment what happened to me and the credibility that i had with Bank of America.

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