vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I traded the car in question in on another and the new dealership did not pay the old car off in a timely fashion which made it look like I had paid the car payment and then it was completely paid off in full BY XXXX XXXX XXXX XXXX!!!!!! THIS WAS NOT AT FAULT OF MINE!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
I just got a notification that XXXX XXXX reported a collection account on my credit report. I never received any letters from this agency giving me the right to dispute this debt. Under the FDCPA a debt collector has to provide a consumer with a G notice. The right to dispute the alleged debt within 5 days of the initial communication with the consumer. They have violated 15 USC 1692g. I also dispute this alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I have been contacted several times by a company that calls themselves " XXXX XXXX XXXX '' stating that they plan on filing an action against me. They said they would be charging me with bank-fraud because I had an account with HSBC that I felled to honor a payment arrangement I made with them in XX/XX/XXXX. I explained I didn't have an account with HSBC and wanted them to stop calling me. They have called my cell and my office and have threatened to deliver a summons to my job. I asked them to immediately communicate with me in writing and asked again that the calls be stopped. They told me the calls would continue as they have for the past 2 days ( XX/XX/XXXX-XX/XX/XXXX ). I am filing an official report as my first step in pursuing legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I received a letter from Shellpoint Mortgage Servicing informing me that my previous mortgage lender sold my mortgage to " XXXX XXXX, XXXX '' in XXXX Maryland and that XXXX XXXX has hired Shellpoint to service the loan. There is no working phone number for either. I called the number on the letter and it just rings for a long time and then stops. I've tried multiple times. I tried to contact XXXX XXXX but it goes straight to a voicemail, no return call. How is it possible to have literally no way at all to contact someone for help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I did not authorize this purchase on XX/XX/2018. I told Citibank that this transaction was UNAUTHORIZED on my behalf. They gave me conditional credit of {$15.00} but then reversed it back out on or around XX/XX/2018. They also gave me a new debit card so that this dishonest merchant ( XXXX ) would not charge the card again. But they still need to credit my account for the {$15.00}. The acquiring bank XXXX XXXX XXXX handles XXXX account. But they have ignored the request even after I cancelled the account with XXXX for which I did not authorize the transaction. I sent Citibank proof of the cancellation on XX/XX/2018 and they still have not granted me the {$15.00}. I am NOT stupid. Nobody is going to steal money out of my checking account without an aggressive response. This is bank fraud and wire fraud. I will be contacting the FBI AND LOCAL LAW ENFORCEMENT if this matter is not resolved soon. 

CLAIM # 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 monetary relief
Consumer complaint received 2018-07-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have disputed the XXXX  account with Equifax MULTIPLE TIMES. As has been previously stated, this account was included in my bankruptcy in XX/XX/XXXX( Central Dist of IL Bankruptcy Case No XXXX ) and discharged XX/XX/XXXX as it FAILS TO MEET THE DISCHARGABILITY EXEMPTION CRITERIA set forth in 11 USC 523 ( a ) ( 8 ). Said case was originally filed on XX/XX/2008. As per FCRA guidelines, the reporting time for any debt included in a Chapter XXXX bankruptcy expires 10 years from the original filing date which would have been XX/XX/XXXX.

Notwithstanding this fact, as a result of Equifax 's last " investigation, '' my report now shows this account as " included in bankruptcy. '' This is definitely a step in the right direction considering that in all other investigations Equifax refused to acknowledge that this account WAS IN FACT included in my bankruptcy. However, the issue remains yet unresolved as the account should not be reporting on my credit report AT ALL due to its age.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
We have excellent credit and pay all our accts within 30 days. However occasional fraud attempts result in need for replacement cards. Thus in early XXXX I requested a replacement card from AMEX and received it. But I also requested an additional card for my wife, which I had rejected years ago for lack of need. Subsequent and repeated requests for status resulted in being told that apparently no one was capable of accessing that information. Finally a call was received from an AMEX rep stating that due to a FRAUD ALERT ( about two years ago ) there was no telephone number on the FRAUD ALERT for them to contact me for approval. Huh? They just did, didn't they?

The utterly frustrating experience of automated responses, virtual assistants and agents who can not access information is beyond belief. I simply wish to have an additional card for my wife. It has been impossible to get through the 3 credit bureaus automation to attempt to correct the lack of telephone numbers on their reports. I have no idea why that would not have been included. Today I received 3 separate " letters '' from AMEX incorrectly advising they were " confirming '' cancellation of Additional Card application ( s ) allegedly as I " requested ''. This has become a critical Catch 22 situation with no resolution within sight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2018, I submitted a fraud claim to Bank of America because my lost debit card had been used for fraud. The claim was for {$510.00}. The bank credited me the money back immediately. Three months later, on XX/XX/XXXX, the company abruptly withdrew the funds from my account, the day before rent was due. Not a single person reached out to me in regards to my claim and I assumed that it was finished when all of a sudden my money disappeared. I looked into my account and saw they had denied it, but did not say why. When I called, they claimed that " one of the fraudulent transactions was a PIN transaction '' which is impossible. The charge in question was done in a city two hours away from where I live, and I provided documents to them proving my whereabouts for the entire day that day. No one on earth knows my PIN.

I have been a customer of Bank of America for 8 years. When I try and speak with someone on the phone regarding my claim the wait time is over 90 minutes every time, and the person never has any answers. According to them I am not allowed to speak with the investigator regarding my claim. I went into a branch for help and they told me they are not able to help me either. I went to my local police department to file a police report and they told me that since the crime occurred in another city I can not file a police report. When I opened a Bank of America account I was told fraudulent charges were protected, now I feel victimized. Bank of America clearly did not do a thorough investigation because their findings were false. It is now my job to prove my innocence.

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 2018-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION
State: FL

Complaint narrative:
To whom it may concern, We are writing you as we are encountering a problem with Branch Banking and & Trust Bank. This bank closed our account on XX/XX/2018 and did not notify us with sufficient amount of the days so we could take action. Instead the bank closed our business account and up to today we have not received any notification or the funds. 

We find incredible that in the United States financial system, the government does not control the banks business practices. It is easier and correct that the bank notify us with sufficient amount of days specially when we have an overseas company that they have decided to close business with us, so we can removed the funds and allow them to close the account. Instead, BB & T takes advantage of clients by freezing the funds and OBVIUSLY using them while they send a check or play with the funds! THIS IS NOT ACEPTABLE!!! It looks like they think we are idiots and we do not understand what is going on!! This is an abuse as they should have a limited amount to return the funds as they do not have a court order to retain my company funds. 

We extent our request to government officials to PLEASE fine or regulate this unfair business practices! As this bank is abusing of clients. 

Businnes account # XXXX Name : XXXX XXXX Personal Banker : XXXX XXXX telf : 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 explanation
Consumer complaint received 2018-07-31 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: CA

Complaint narrative:
On XX/XX/XXXX insurance company issued a check in my and my clients name. The check was sent to the client without my knowledge.

I found out that the check was cashed without my signature. The bank never called me to tell me that the signature was not mine. 

The bank cashed the check without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
I have sent Credit Acceptance a Cease and Desist letter and they continue to call me after they received it. I also sent them an online cease and desist through my online account twice. I have told them several times not to call when my account falls behind. I have never been more than two weeks behind, I have always caught it up and paid the late fees. They call on day one if it is late, many times when they payment has been paid through their website on the due date.

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 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RFNA, LP
State: TN

Complaint narrative:
This is my 2nd loan with Republic Finance. The 1st was paid off early. I have paid on this loan about 18 months now. This payment was due XX/XX/XXXX but I didn't pay it on time. However, it was paid before the next one was due. In XX/XX/2018, after several days of calls. I asked for a deferment to get back on track but was told they don't do those but could renew the loan. I told them I don't want to renew the loan. I was advised that is the only assistance available to me. After several days of calls. I told them to stop calling me. I didn't get any more calls until XX/XX/XXXX or XXXX timeframe. I told the same person as before I had told them not to call me. She then said they have to have it in writing. I told her that is not true. She said that is their policy. To have it in writing. I told her fine so when I went in to make the next payment on XX/XX/XXXX I asked for a sticky note and put it in writing. I also put that none of my contacts or my job was to be contacted. She had to check with XXXX to make sure it was acceptable. XXXX told her to put it in my file. However, today I was checking my credit report and saw that they did a hard inquiry on XX/XX/2018. My loan was not 30 days late and to this date has never been 30 days late. There was no reason to pull my credit. I want to know how a company can just pull the consumer 's credit report for no good reason and decrease their credit score. I can to some degree understand the need to renew the loan. That's how they make their money but if someone is truly needing assistance to maintain or increase their credit score, it makes no sense to intentionally harm them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: JH Portfolio Debt Equities, LLC
State: AZ

Complaint narrative:
On several occasions, specifically on Saturday mornings, this company is calling me at XXXX. They will also call repeatedly after making contact with me. For example ; I will answer their call and speak with them and comply as much as possible. They will continue to call me throughout the day and advise that because I have not secured a payment arrangement they will keep calling all day. I have spoken to different managers and they will not stop calling before XXXX and tell me that my area code is on the east coast so it is XXXX when they call, but my address is and always has been in Arizona and has never changed. I am not on the east coast and I feel this is an intimidation harassment tactic. Please see proof of the phone call. This company calls from several different numbers so it is impossible to block their number and they will never leave a voicemail. Also do not accept the excuse that the phone number is not associated with their business, because I did call the number back and was connected right away and they already knew my name and account information based on the number I called them from. The number is the photos I attached absolutely belong to them!

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 2018-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Claim number XXXX. I am seeking {$60.00} reimbursement for two stop  payment fees on two checks that were deposited in an ATM machine and lost by Chase bank. I had to go to the two makers of the checks and confirm that the checks had not cleared their banks ( the checks had not ) and request replacement checks. A Chase employee had told me to get new checks made and that Chase would reimburse me for the stop payment fees that my clients charged me. On XX/XX/XXXX at XXXXXXXX XXXX, I attempted to deposit {$1200.00} in cash and five checks in an ATM machine located at XXXX XXXX XXXX XXXX XXXX Fl. The ATM machine gave me the message that it was unable to process my deposit and to call XXXX. Unfortunately the ATM machine did not return the cash or the checks. Eventually the {$1200.00} in cash and three of the checks were credited to my account. I call Chase and told them that two checks and not been credited to my account. The Chase representative told me to go to the makers of the to checks and get replacement checks issued. When I asked about the stop payment fees for the two lost checks, I was told to have the makers issue the checks for the original amounts less the stop payment fees and that Chase would reimburse me. I went into my local Chase branch on XX/XX/XXXX at XXXX XXXX to deposit the two replacement checks and to get reimbursed for the {$60.00} for the stop payment fees that the makers of the two missing checks and charged me. I spoke with XXXX XXXX ( who was helpful ) he called a Chase employee named XXXX ( he would not give me his employee ID or last name He was unhelpful and rude ). He told me Chase would not reimburse me and that I should get reimbursement from the makers of the two replacement checks. I can not ask the makers of the checks to pay the stop payment fee because the original check that was issued to me never cleared their banks and I can not produce the original checks because I deposited them into a Chase ATM that I was never given credit for. I was surprised that the checks were never accounted for when a Chase employee opened the ATM machine. I did cloud the waters by not have an exact total for my deposit when I initially contacted Chase so I  was advised to estimate the total which I did at {$5000.00}. The only reimbursement that I need from Chase is for {$60.00} for the stop payment fees for the two replacement checks. The deposit I was credited with originally of {$5000.00} with a debit of {$1600.00} for a total of {$3400.00} I agree with. ( 5000 - 3400 = 1600 ) The detail of the deposit for {$3400.00} is cash {$1200.00}, check {$150.00}, check {$600.00}, check {$1400.00}. On XX/XX/XXXX I deposited the two replacement checks of {$200.00} and {$520.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
On applying online for an installment loan with SPEEDY CASH on XX/XX/18, I was told to go to my local store in XXXX XXXX CA, which I did on XX/XX/18 ; this after calling the store to inform them that my ID was New York issued with a California address, to which I was informed would be " no issue at all '' for approval. On arrival to the store, low and behold, the staff wasted an hour of my time calling in to their center, informing me that they could not help me in store due to my ID ( which I had explained the issue of in depth before going to the local store ), but that I would be approved via the phone number given my income and other credentials. So, I phoned the XXXX staffed line and the agent pulled me up, ran my information stating that my NY ID would be of no issue, and then stated I was declined with no reason given - but then told me I would " probably '' be approved in store! She stated I would receive decline reasons via email, but the only email I received stated once AGAIN to go in to my store for approval. SpeedyCash has wasted a great deal of my time and money today, and I am in need of immediate assistance from an executive level employee. 

This has been a terrible experience, bordering on what I view to be a scam, as now these stores and agencies have all of my personal banking information, debit card information and ID, only to tell me I was not approved for which is likely the issue with my old NY ID ( I have just permanently relocated to California after a long school stint here and do not have my CA ID yet, though have my vehicle registration and proof of address here in California, which was requested prior to me going in to the store ). 

I am extremely dissatisfied and require immediate executive level intervention to get this loan approved, as stated by staff. I am requesting immediate executive level assistance in aiding me in the approval of this loan. Please reach out to me urgently at XXXX to discuss resolution to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DRS Financial LLC
State: FL

Complaint narrative:
Account was opened on XX/XX/XXXX with a collection amount listed as {$790.00} and past due as of XX/XX/XXXX. The balance was paid off by a county program that helps chronic illness sufferers who are destitute and can not afford medical bills. They do not provide payment proof as this is meant to be sent by the medical office in question. There was no such proof sent. Notifications to collection company of paid account have been ignored. Furthermore said collection company in question, XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX. NJ XXXX with headquarters at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX  otherwise known as DRS Financial LLC is NOT licensed to collect debts in the state of Florida as per the Florida Office of Financial Regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I've asked numerous times for debt VALIDATION and they will never send me documents I am asking for. What makes things worst before this not knowing of these accounts, my assistant sent out payment to Portfolio recovery in full on both account one for {$11000.00} and another for {$3600.00}. Payment was sent certified mail, it came to my attention when I received a refund check for overpayment on the accounts and they're still harassing me with letters that I owe them, this is absurd. I will attach copies of payments and refund check from Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment

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