vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Apparently someone try put money in account. They said didn't know where came from.Except money good and sent me a check. They said they closed my account. Yet didn't and didn't sent me my {$50.00} deposit. Told me try wells fago easy pay card. But wont me get cuz apparently this account open but it isn't. And apparently i got to wait 10 years open new one. When i did nothing wrong and apparently money was good.

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 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OR

Complaint narrative:
I have a bankruptcy showing on my credit report showing as discharged when it in fact was dismissed/revoked. 

Per XXXX they stated they verified this information from the courthouse. They did not. per PACER my disposition shows as " discharge revoked '' which means i should not have a bankruptcy on my file. 

I have frozen Lexisnexis as well because they are reporting inaccurately too. 

If you call the bankruptcy hotline you will see it says my bankruptcy is revoked. PACER shows Revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I noticed XXXX XXXX was reporting my wife and I 30 days late in XXXX. I verified with my bank that the car payment was made on time. I sent proof of the payments to XXXX XXXX but they ignored me and continue to report me 30-days late. I then notified the 3 credit bureaus of the error and also provided them the same proof. They also ignored my dispute.

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 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I noticed XXXX XXXX was reporting my wife and I 30 days late in XXXX. I verified with my bank that the car payment was made on time. I sent proof of the payments to XXXX XXXX but they ignored me and continue to report me 30-days late. I then notified the 3 credit bureaus of the error and also provided them the same proof. They also ignored my dispute.

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 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Yes there was a issue with my td bank account. I talk to the associates to unlock it and they said they did so, Yet they didn't. I told them to close my account.And send the money left in account which said they would. Almost a year ago. I reopen account. I love TD Bank. But yet no access online due to first account. When clearly they should took care of problem. Now call them and went in to to clear this account. So not sure why never got check of the amount had in account and closed that account so i can have online access to new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
Yesterday on XX/XX/19 I received multiple phone calls from a lady claiming to be a compliance officer contracted with XXXX County Florida. She called my job, my parents, my ex-husband, and a person that is under a legally binding restraining order from my daughter. When she contacted my HR department, she told them that I was involved in a legal criminal action lawsuit. When I returned the number in case file, they said they were XXXX XXXX XXXX. They said it was in reference to a payday loan. They said that if I did not cooperate, they would seize all of my bank accounts and assets. They said that I would never be able to open an account in the United States again. I hung up, and contacted an attorney I know. I called back with him, and a different person answered the phone with a different name. When I asked to directly pay the debt, she said it would be very hard to convince these attorneys to take my payment and they had been working on it so I would have to pay more money. I told them they did not have permission to call me at work, and not to call me at work. Phone number XXXX. Case number XXXX. I hung up. The attorney that I called with said it was a scam. This morning, XX/XX/19, I received several more phone calls from an unknown number. My HR department also received another threatening phone call from this compliance officer. I answered the fifth phone call, and the lady started screaming at me on the phone. She stated her name was XXXX XXXX, and she worked for XXXX County. She started telling me that I am being located, and found. And that the police would be coming to my job. I explained that I had already called ACE Cash express, and this was not the company that my loan was sold to. She hung up on me. She then called back and left a threatening message that I was facing legal charges for hanging up on her, and that I would never have a bank account in the United States again. I called ACE Cash express to resolve the issue, but they sold my loan to someone else, so therefore I called that number, and they sold to someone else. I left a message at the last known number to pay my debt. These people claim to be XXXX XXXX. I would like to report this because I Specifically asked them not to call my work, and they continue to call my HR department. Also misrepresenting information to me and my employer. They also called someone who was under a permanent legally binding restraining order from myself and my daughter. This whole incident was very upsetting. I do have an outstanding loan somewhere, but I am not sure where to pay it. I am not opposed to paying it, I didnt realize that I had that loan, and I moved last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have had the XXXX credit card since 2007 and therefore do not have any of the specifics of the amount of late charges. 
I now know that the late charges are a flat fee of {$39.00} on any overdue balance. The interest rate is 27.24 %. I can't imagine that high a penalty on a clothing purchase. I have a credit score of XXXX and yes I have been a couple weeks late due to distractions of vacation and getting kids back to college. I feel that the XXXX is taking advantage of its consumers. It lures them in to use their credit card with receiving a 10 % discount only to gouge them when bills are more than one day late. 
I am in shock regarding this corporation.

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 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
I had two credit cards with XXXX XXXX XXXX. 

I fell behind on payments after being sick. I joined a group called XXXX XXXX XXXX, who I paid to take over my accounts and get the debt reduced and paid off. I paid XXXX  a monthly fee. 

I then get served a summons after paying Freedom every month for over 2 years by these very mean and rude people at : NELSON AND KENNARD XXXX XXXX XXXX XXXX California XXXX XXXX I called Nelson and Kennard. I gave them close to my entire life story. The asked for my Employers information and the previous two employers information. 

Nelson and Kennard faxed over 200 times, called over 150 times and sent over 300 letters to my then employer. The messages advised the company the I was a fraud, a loser and should not be trusted. 

This is me versus a law firm. I was let go. After 5 months of being unemployed, I now have a job. 

What they ( Nelson & Kennard ) did to me has to be unlawful.

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 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Yes i open a XXXX account and another bank account. Apparently there was hacking to my XXXX account. They block access to my chase account. I called them and talk to them. They told me i regain access and closed these accounts. About year now and no avail. I get same answers when i call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Previously, on multiple accounts, I tried to talk with Navient about lowering payments and the forced me into forbearance. I was out of a job and had no option. I also feel they misreported payments. There are late fee charges on my account that I dont recall making late. Also, they have made it very difficult to remove the co-signer from my loan. It has been years and the co-signer is still not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Company requested additional information because they cant find the account. The account number is XXXX Santander sold the repossessed vehicle for under market value ( {$3000.00} ) and inflated a demand for payment to {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: CO

Complaint narrative:
On XX/XX/2019, I was informed by a Discover representative that my student loans were reviewed by their legal team and my loans are not eligible for deferment despite my half-time enrollment in XXXX studies. I submitted my Master Student Loan Promissory Note, originally serviced by XXXX, and explained to at least 6 different representatives the interim definition in that statement which states I shall get 10 years plus 6 months in school deferment for XXXX study, and 4 years plus 6 months for XXXX study. I am asking for XXXX study deferment, as I am in XXXX   school. Discover says, this is a misunderstanding - I can only have the XXXX deferment, and they refuse to honor this XXXX study deferment period. I offered to continue paying interest while in school, and explained I would only use 36 months of the XXXX deferment, but was still denied. I have spent at least 5 hours on the phone with Discover in  the month of XX/XX/2019, and was told there is nothing I can do to get my loans into deferment while I am in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I deposited into my personal account ( by error ) {$7900.00}. in cash via an ATM at the bank branch location. 
At that time, both the receipt from the ATM and on the bank 's app on my mobile phone, the funds were immediately available. 
About an hour or two later, I discovered that I had put them into my personal account, which is linked to my business account for transfers. I immediately saw my balance in my personal account was over {$10000.00}. so I transferred the {$7900.00}. deposit to my business account. It all went through with no problem - on my phone. 
This morning at around XXXX XXXX, I received 2 notifications - the first email said that my personal account showed a negative balance of over {$5000.00}. The second email a minute later showed that I was overdrawn by {$710.00}. When I checked my mobile app from the bank it showed I had over {$2100.00} in my account. 

I then went onto the computer and saw that the bank did not post my deposit until 24 hours after the cash was deposited - and that I transferred the money that I didn't have. I have been assured by several bank employees that when I deposit cash through an ATM at the bank that that cash is available immediately - and the deposit slip also notes the same thing. The bank would NEVER have allowed me to transfer {$7900.00}. out of an account if the money was not there. 

I just did my taxes for XX/XX/XXXX and I found that this bank did exactly the same thing to me last year and hit me with 4 late fees of {$36.00} each - and I didn't catch it. 

This is happening at other banks also. Their software does not record deposits and intentionally records checks and other withdrawals BEFORE recording deposits which at times generate late fees from the banks ... this is illegal and needs to be stopped.

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 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Army and Air Force Exchange Service
State: ID

Complaint narrative:
AAFES/NEXCARD DEB XXXX ( Military Star Card/Army and Air Force Exchange ) appears on my 'leave and earnings statement ' from the XXXX XXXX . I am an XXXX, XXXX XXXX I enlisted XX/XX/1999. I have been the victim of improper debt collection practices many times by many companies, but this one requires action. This company improperly sent a letter to my place of business in an intentional attempt to get me in trouble at work. The letter was not even addressed to me, it was addressed TO my boss. Completely unethical and improper. Violated my right to privacy, and also the Fair Debt Collection laws not to harass a debtor at their place of employment. Then, after this company acknowledged receipt of my Chapter XXXX bankruptcy petition, in writing to my attorney, they filed a fraudulent wage garnishment against me and took over {$600.00} directly out of my check without warning. I have contacted the company both via telephone and in writing and they refuse to return the funds or assist in any way. Claiming dishonestly that there is no information on file for someone with my identifying credentials. They sure didn't have any trouble location my identifying credentials when they wanted to take money from me though. That evidences to me they are being dishonest, and there is proof they took money when they should not have because they already acknowledged receipt of the Chapter XXXX documents in writing TO my attorney which he showed me at the courthouse. I need my funds returned to me expeditiously, and I hope your organization will look into how this company has hammered down the harassment of XXXX XXXX soldiers and their families for many, many years. In fact, there needs to be a serious investigation into how every company that abuses putting the vocabulary 'military ' or 'XXXX   XXXX ' in its name abuses that vocabulary to purposely mislead soldiers into thinking they possess the ANY authority of the United States Military when they absolutely do not, and, they need to be stopped from harass soldiers and their families on XXXX XXXX at their place of business purposely trying to cause the soldiers command to issue an order of payment of debt when there is no legal pressidence to do so.

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 2019-09-26 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM FINANCIAL is reporting my account XXXX as late in XX/XX/XXXX on my XXXX   report. I paid this loan off in XX/XX/XXXX. 
I have disputed this with XXXX, with no success. GM reported back to XXXX that the information is accurate .... it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
OnXX/XX/2019 I sent Experian a letter requesting them to provide me with an originally signed consumer contract for 3 inaccurate accounts which do not belong to me from ( 1 ) XXXX, ( 2 ) XXXX   XXXX  XXXX and ( 3 ) XXXX XXXX XXXX.  According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Experian is required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts Experian posts on a credit report. On XX/XX/2019 Experian signed the return receipt. Which means Experian is in violation of the Fair Credit Reporting Act because today is XX/XX/2019. On XX/XX/2019 I looked up Experian report # XXXX with dispute results which clearly shows they are continuing to report ( 1 ) unverified account ( XXXX   ) which is against federal law. They have failed to provide me with a signed consumer contract. I have attached a copy of the letter Experian received dated XX/XX/2019, the certified mail receipt dated XX/XX/2019 and the updated Experian credit report # XXXX dated XX/XX/2019 and the USPS tracking showing the letter was delivered on XX/XX/2019.

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 2019-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am writing this complaint because XXXX XXXX has denied my loan modification when I proved that I qualify. The denial is illegal. The Supreme Court has reversed several foreclosures against XXXX XXXX, acting as trustees for investors. They couldnt prove they actually owned the mortgages. Judge XXXX XXXX XXXX excoriated XXXX XXXX for their utter carelessness. I want SPS to stop the XX/XX/2019 sale date. XXXX XXXX must give me a loan modification or stop the XXXX XXXX sale date. What SPS and XXXX XXXX is doing is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
CAVALRY PORTFOLIO SERVICE Account number XXXX Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 

CAVALRY PORTFOLIO IS AGGRESSIVELY ATTEMPTING TO COLLECT ON THE DEBT THAT IS 9 YEARS OLD.. I  contacted citi bank the original creditor on this account who stated 1099c was issued 4 years ago, and confirmed that first date of default/last date of activity on this account was back in XXXX thus this account is too old to report on my credit and has passed a statutory allowed amount of 7 years. I supplied this info to Cavalry on numerous occasions who ignored and still refuses to remove this erroneous collection. Every time we call they just collect and update information on me and now they called my work and parents house, AND changed the " on record until '' date on XXXX  report from XXXX year to XXXX how is it even legal ... why can't we stop them from harassment and violation of federal laws on collection FDCPA???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had two credit cards with Bank of America. 

I fell behind on payments after being sick. I joined a group called XXXX XXXX XXXX, who I paid to take over my accounts and get the debt reduced and paid off. I paid XXXX  a monthly fee. 

I then get served a summons after paying XXXX every month for over 2 years by these very mean and rude people at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I called XXXX XXXX XXXX. I gave them close to my entire life story. The asked for my Employers information and the previous two employers information. 

XXXX XXXX XXXX faxed over 200 times, called over 150 times and sent over 300 letters to my then employer. The messages advised the company the I was a fraud, a loser and should not be trusted. 

This is me versus a law firm. I was let go. After 5 months of being unemployed, I now have a job. 

What they ( XXXX XXXX XXXX ) did to me has to be unlawful.

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