vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: MN

Complaint narrative:
I checked my credit report and was that information, I mailed asking for verification of my debt, since I was disputing with att, they mailed me the bills buy not the contract of how they calculate my debt.i got a second letter state the same without any explanation of my debt, amount I was disputing with the store ( no plan with that company they offer a flat international plan, after I got my last bill I was told no more extra charges will in my account ) Totally unfair this account is in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
On XX/XX/2017 I was served at my daughters house ( I do n't even live there ) with a summons of a propose lawsuit in the amount of {$2200.00} from an attorneys office : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NM XXXX ( phone # XXXX ) and the XXXX  District court in XXXX County NM Case # XXXX I responded immediately to the courts and to the attorneys office requesting documentation to support this financial claim, Today ( Dated XX/XX/17 ) I received communication from this attorneys office stating that " The Client ( Capitol One ) has reviewed and investigated your fraud claim in relation to this account and determined your dispute invalid '', this debt collector supplied absolutely no supporting documentation. This is not my debt, I do now owe this money. I am being threatened and dragged through courts for something that I am not liable for thanks to XXXX XXXX XXXX, unscrupulous attorneys office on behalf of a unscrupulous debt activities attempt. I can send or scan all relevant supporting du=documentation to you as needed or requested, Thank you ... XXXX XXXX XXXX XXXX : XXXXXXXXXXXX mailing address : XXXX XXXX XXXX XXXX XXXX, NM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX XXXX, 2017, Ally Bank executive customer relations XXXX XXXX stated her company adjusted my account {$630.00} in compliance with the settlement entered by Ally Financial , Inc., the Consumer Financial Protection Bureau ( CFPB ), and the U.S Department of Justice ( DOJ ) by subtracting it from my original agreement for the purchase in accordance with section 2 ( e ) of the contract signed. However, section 2 ( e ) describes Our right to purchase required insurance if you fail to keep the vehicle insured ( see attached ) nowhere in the section referenced is the statement ( in part ) you agreed that we may subtract any refund from what you owe. I believe Ally is confused with the difference between settlement and credit. The definition of legal settlement In law, a settlement is a resolution between disputing parties about a legal case, reach either before or after court action begins. The term settlement also has other meanings in the context of law. The definition of credit verb add ( an amount of money ) to an account Therefore I am requesting Ally show documented proof that they have the authorization to disperse settlement funds by subtracting it from the original loan agreement, and proof the funds were applied to the account by a copy of the loan activity record. If no credible justification can be provided a check in the amount of {$630.00} be sent in my name to my home address.

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 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
These people have repeatedly called and left me messages. They are calling family members and non family members leaving messages about me on a daily basis. I called them back and they give me a different company name each time. They lied and said they are calling from the NYS clerks office, which they are not. I repeatedly ask them not to call me and they continue to harass me, make legal threats and will not respond to any questions. I am being harassed by these people. The unknown calls from them have come on multiple occasions in XX/XX/XXXX. They told me it 's a Best Buy debt, I initially informed them I have never had a Best Buy card. I asked them to email me my signature from the original credit card application and they said they do not have that and I can take up the matter with a judge. I 've never had a Best Buy card. These people do not take no for an answer. The message they leave says they are calling about an address I dont even live at. If they have spoken to me directly why are they still calling other people looking for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Whitestone Financial Holdings LLC
State: NC

Complaint narrative:
On XX/XX/XXXX with whitestone financial I started the loan for a 24 month term at XXXX. My loan stayed current up until XX/XX/XXXX when it was past time for my payoff. The company stated that they went an added interest to a loan that was paid off due to a mistake of theirs for not adding in my loan. They went back 2.5 years worth interest which would cause me to double pay on the car. This is illegal and not fair. I told them I could not afford to repay for the car so they took the car and put it as a voluntary repo on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My huntington bank will not allow XXXX XXXX any communication although I have agreed please fix this on my account. My number isXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background
State: CA

Complaint narrative:
Address check # XXXX XXXX, XXXX, XXXX, and XXXX are not me never lived at those addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I 'm XXXX 2017, I was informed by NAvient, that I was being charged a late fee on top of my scheduled monthly payment 131 payment plan. On the recorded line I request that Navient change my due date from the XXXX of every month to the XXXX of every month. To match my auto withdrawal date on payment plan, So that I would n't incur a XXXX dollar late fee. I told Navient I would sue them for not doing as I requested because they are costing me more money than I need to pay. The supervisor XXXX told me he would fix everything by XX/XX/XXXX and credit my account for the past three month my account wrongfull inccured late fees, so I have to call Navient once more to ensure that this is done the first week in XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My girlfriend signed me over her payroll check in which I deposit the check in full via ATM on X/XX/2017. I went into the branch the next day when the funds became available and removed funds from my account. On XX/XX/XXXX I received an email stating I had XXXX funds in my checking account. I immediately open my Wells Fargo app to view the activity where it showed my ATM deposit pending return. I then immediately called Wells Fargo to inquiry on the reason the check is pending returned item. The representative informed me because the check was made payable to another person I could not deposit the item as it was against their policy. I asked when did this become their policy as I did this type of transaction in the past. He then informed me this has always been a policy in which they are now enforcing more within the last couple of years. The representative stated a copy of the check would be sent to my girlfriend. I asked how will the check be sent to her when her address is not on the check and the check has been properly endorsed to me making it a legal instrument entitled to me. The representative stated I could have deposit the check with the signer inside the store location. I do not understand how an establishment can pick and choose when to upheld a policy. In addition, an ATM deposit should not warrant any difference than a deposit in person. Worse case senario an extended hold could have placed on the check. How can a check cashing company have their customers sign over their check and deposit the checks into their account if this is against Wells Fargo policy. Now I have to let my account sit in a negative balance because I made payments to other vendors and get assessed with multiple fees.

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 2017-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: United Student Aid (USA) Funds
State: CA

Complaint narrative:
I was ill for a couple years and had to leave school and was unable to work. I have been getting my loans deferred and I was told I had submitted all the proper paperwork and they were deferred and not to worry. Now they are all of a sudden on my credit and I ca n't get a loan for a car so I can work, I ca n't purchase a home. These people lying to me wrecked my life.They took thousands from my refund this year and nobody told me anything. If I knew that they were gon na XXXX me, I would have tried to figure something else out, but I was told they were DEFERRED AND I WAS OK?!?!?!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prospect Mortgage, LLC
State: NY

Complaint narrative:
A person by the name of XXXX XXXX, employed as a " XXXX XXXX '' for " XXXX XXXX XXXX '' formerly " Prospect Mortgage '', did on XXXX/XXXX/XXXX at XXXX, utilize my name and social security number to order a verification service from XXXX . The above person used that information to obtain copies of my personal tax returns under the guise of researching an application for a mortgage. I did not authorize the use of my social security number nor have I ordered any such verification for a mortgage, loan or any other transaction with Prospect Mortgage nor XXXX XXXX XXXX. 

I have requested in writing from the above person and company, for a copy of the application and authorization form that I would have had to have signed in order to authorize them to conduct that transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
in XXXX of 2017 Citi mortgage sent a check to pay my taxes ( they do not escrow them ) while in the tax office to pay them we saw the check and told the tax collector to return the check to Citi, which they did, after a couple days we called Citi and they confirmed that they received the check but since then have continued to escrow taxes to the point where a XXXX is now over XXXX $ after repeated calls to Citi, and every time they confirmed payment, they continue to increase the balance on this loan and will not correct the mistake to the point where they are reporting to the credit agencies and my credit has gone from XXXX to XXXX in 1 month, as of now they are threatening forclourse we have never been late or missed a payment, we are getting no satisfaction and it seems like they just want to take the house, do n't know where or what to do next

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 2017-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I closed an account with Capital One in 2010 after their failure to protect my account from being charged for items that I had not purchased. Prior to closure I had only used the account for travel activities. I have had no business relationship with Capital One since my retirement in 2010. Today I received a statement fro Capital One saying I have an outstanding balance of {$5.00} and they have accessed me fees of {$15.00}. They allege I used the card in XX/XX/XXXX, thus I reactivated the card. While they agreed to close the card they allege I am responsible for all charges and fees to date. I have not had a Capital One card or done business with this bank for over 7 years and did not charge anything to this old account in XX/XX/XXXX. I want the charges cancelled, fees written off, and no adverse report to any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report from Transunion and noticed many inquiries that are not mine and I do not recognize and did not authorize my credit to be run. I contacted Transunion and they were very rude and I did not receive any relief to have the inquiries removed. Below are the inquiries and dates : XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/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 2017-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
We are being harassed and threatened by American Express regarding a Amex Everyday charge card ending in XXXX. I have been repeatedly contacted on several occasions by XXXX XXXX! He has called relatives discussing my debt which is being paid based on the last statement received by American Express based on minimum amount due on the statement. He started utilizing harassing and discriminatory tactics XXXX/XXXXXXXX XXXX and I very distraught regarding these illegal tactics. I have also communicated with American Express with a written letter in XXXX XXXX stating that my family has been experiencing extenuating financial and medical circumstances when my sister was hospitalized for 34 days in ICU and recovering from a major medical condition and stated the amount we could pay. My mom is the assigned manager on my account and has communicated this to American Express as well. This was placed on the application and set-up online in XXXX. If they have deleted anything in their system, it was very unethical when they know I set this up for her to manage. She was also recently contacted again by XXXX XXXX on last week after she told him that the bill was paid based attached statement received from American Express display minimum amount due and she requested that he not contact her again or 3rd parties regarding my account. They contacted 3rd parties on 3-4 different times over the last month. The 3rd party relatives had also requested that they stop contacting them as well but they still wrongfully persisted!
My family is going through a difficult time right now and are trying to do our best with keeping up with payments and request that XXXX XXXX or any other collection Representative cease in your illegal and discriminatory tactics against me, as I have paid the minimum amount reflected on the latest attached statement for XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Secured line of credit opened for {$200.00}. {$99.00} deposit was required and paid. Account was blocked and flagged for fraud due to deposit coming from bank account that did not belong to account holder but was authorized. Capital one requested identification, bank statements. Identification was provided and bank statements verifying account ownership was verified. Capital one further requested social security card ; due to extingent circumstances and time constraints a social security card was not obtained and account holder requested the account to be closed. Capital one closed the account ; however there is a credit/refund balance due. Capital one issued a refund payment ; however account holder has since moved and refund payment was returned. Capital one is refusing to update address and has further more requested ssa card, utility bill, and bank statement for account holder! It 's absolutely ridiculous. Account holder only wants to receive balanced owed to them, Capital One has suffered no loss and there is no risk.Account holder has been 100 % cooperative with Capital One ; however Capital One is being egregious with their assumptions of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I have a collection account on my XXXX  and XXXX credit bureau file from the company, Portfolio Recovery Associates, account number listed as XXXX*. Please be advised that I am disputing this information due to the fact that Portfolio Recovery Associates does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for Portfolio Recovery Associates DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company
State: CA

Complaint narrative:
Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/2017 Date sent to company : XXXX/XXXX/2017 Product : Debt collection Issue : False statements or representation This case was closed because Focus responded to your inquiry. It should be reopened as Focus is deliberately misrepresenting the debt. As noted in their response to you, they claim a {$500.00} debt to XXXX. In another response to me directly, they claim a {$500.00} debt to XXXX XXXX ( again for an account I 've never had ) and had XXXX XXXX Collections try to support that claim. A return letter was sent to XXXX XXXX pointing out the obvious errors in their claim, including a different last name.
XXXX XXXX XXXX representative XXXX XXXX XXXX again lists the last name as XXXX in her response to CFPB though that last name was sent to us in reference to XXXX XXXX XXXX claim. The fact that two different companies claim the same dollar amount from one XXXX ( who is obviously not me ) and both Focus and XXXX filed claims against me show obvious collusion, misrepresentation and fraud on behalf of both collection agencies and their partner " companies. '' Consequently, I ask that CFPB intervene on my behalf as well as all like consumers. Based on my online review of Focus and XXXX, I believe them to be predatory and fraudulant in general and certainly in particular to my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
I use Walmart 2 Walmart money transfer service to send money to my brother when needed. XXXX 2017 he called, asked me to send money which I did. Later that day he called to say that he could n't get the money & that I had to call a number. I called the number which was the compliance department, answered all their questions and was told that my brother was restricted from receiving the money and the gentleman refused to tell me why. After a lengthy conversation of trying to get an answer other than your brother is restricted, I asked for supervisor, I was told the same thing that my brother was restricted without any further explanation. Same day, I went back to Walmart got my money refunded and sent funds via XXXX ( no problem ). During the week, I called the compliance department, after a lengthy conversation and answering all of their questions, was told my brother was restricted. Called back & got someone on the phone, this time I asked if my brother could send a picture of his ID cards because someone was using the same name. We texted a picture of VA ID & his state ID card so they could have on file. Four times I 've tried and now in XXXX, it 's the same problem..no reason other than he 's restricted, maybe someone has same ID, too many people using the same last name, what will the money be used for and after talking with a supervisor my brother 's restricted and they 're investigating the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation