vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-28 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: CL Holdings LLC
State: NY

Complaint narrative:
I am contacting you to resolve and on going issue as it seems to not be given the according attention to finally resolve it. I have written in numerous times and will have to take this up with the better business bureau and FTC as it’s not being corrected . XXXX has failed to remove an account who the original creditor XXXX agreed to have it deleted but XXXX has NOT YET taken immediate action. I need this account removed from all three major credit reporting agencies as the investigation XXXX  conducted stated they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: NY

Complaint narrative:
I am contacting you to resolve and on going issue as it seems to not be given the according attention to finally resolve it. I have written in numerous times filed many various complaints the last one being XXXXand will have to take this up with the better business bureau and FTC as it’s not being corrected . Experian has failed to remove an account who the original creditor XXXX agreed to have it deleted but Experian has NOT YET taken immediate action. I need this account removed from all three major credit reporting agencies as the investigation XXXX conducted stated they would.

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 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
One Main Financial Debt collector calls me many times throughout the day. I have told them I can not talk because I am working. They call back within the next 15 minutes. I revive about 8-12phone calls a day between XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Recovery Services Inc.
State: RI

Complaint narrative:
I have had repeated phone calls from XXXXsomething. Finally, I got sick of it and started answering just to see what they wanted. Yesterday it was XXXX, today it was XXXX. Always very noisy in the background like it 's a call center. I can make out Diversified or XXXX something, calling to collect a debt owed XXXX, not paying could go on my record, call may be recorded. Today I was able to make out that they think I owe them about {$240.00} and they wanted to know if I was going to settle the debt using a credit card or checking account routing number. 
No mention of thirty days to dispute. Both times my reply was " I have n't had an account with XXXX in about a decade. I am not paying you anything. '' and hung up.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-28 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is about a Wells Fargo credit card account. My account was just closed yesterday out of blue. When I called Wells Fargo, I was told it is due to inactivity of 6 months. Funny thing is I found out about the closure when I try to activate a new replacement card of this account that Wells Fargo sent out to me a few days ago. 

The question now is first of all, Wells Fargo has never informed us as customer that the credit card would be closed due to inactivity of 6 months. We as customer wo n't have a chance to make use of the card and keep the account open. Second of all, in fact, this account has been in inactive status for about 12 months. So if they are closing card due to 6 months of inactivity, why are they closing my account now at 12 months? And why are they even sending out the replacement card for this account? 

This closure without any notice is definitely going to hurt my credit score, as it shortens  my average credit history and my available total credit line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I reviewed my credit score on XX/XX/XXXX. I was advised that there was a hard inquiry made on XX/XX/XXXX. I did n't authorize a credit check and this information is fraudulent. I called Chase Bank on XX/XX/XXXX and was left on hold for over 30 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The account is paid and closed. 

The last 4 of my social are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Issues : 1. I disputed my debt according to 15 U.S.C. sec. 1692g ( b ). But the servicer ( XXXX XXXX XXXX XXXX ) ignored my dispute letter. They did not verify the debt. Nor did they cease collection of the debt. 

2. I am confused as to who holds the loan and who is servicing the loan. In XXXX XXXX I received letters from both Navient and XXXX XXXX XXXX XXXX ( hereafter " XXXX '' ). Both claimed to be servicing the loans. I 'm now receiving calls from General Revenue Corporation. 

3. I 've received conflicting daily interest rates. My rate with Navient is {$8.00}. My rate with XXXX is {$8.00}. 

4. I have not received important information from Navient. I requested a copy of my original agreement with the lender. Navient has sent my XXXX application but it does not show the amount of the loans. I also requested a copy of the final account statement from the original creditor and a breakdown of any collection costs. Navient ignored my requests. 

5. I have requested that the U.S. Department of Education review my account. Nevertheless, XXXX XXXX XXXX continues its collection efforts while the review is pending. 

6. Although I have been communicating with Navient, XXXX XXXX XXXX has called at least two of my acquaintances. XXXX XXXX XXXX knows my address and phone number. Therefore, the calls serve no purpose other than harassment. 

All pertinent documentation is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Hi I had a Heloc with Wells Fargo & called on XX/XX/XXXX to ask for my pay off amount.They said it was XXXX plus XXXX a day after that.I went to their branch on XXXX XXXX in XXXX, Pa with a certified check for XXXX at XXXX XXXX est.The branch took my money & said the loan was paid off & closed.I went online the next day & it showed as a pending payment.I called Wells Fargo & said why is my loan still showing up online with a credit of XXXX, they said it takes a couple days & the branch did not ask me to sign a document that had to be signed.I called on XX/XX/XXXX & said how would I be getting my credit for XXXX & they said I would not be getting it back due to county fees.Why did they not tell me about these county fees when I asked for the payoff amount? Now I have to go back to the branch tomorrow in 0 degree weather because they dont know how to close out a loan.Also they said I would be credited the XXXX but on the phone call today XX/XX/XXXX they said nothing would be credited.I have been a loyal customer to this bank for 12 plus years & they are going to lose my mortgage, checking & savings account if they dont make this right.Thank you.Bottom line, I want my credit & a apology from management on this nightmare.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
As my lease was coming due I received an incentive from Ally Financial to purchase the vehicle with a {$4500.00} discount. I decided to purtchase the XXXX XXXX XXXX I was advised to contact XXXX to refinance the auto. They are powered by Ally Financial or XXXX XXXX or both. We went back and forth with financing partly due to arriving at a value for the XXXX since it was an electric car. 

XXXX came back with an offer and I felt I could do better with my credit union. I did get financing and I closed the loan and the payoff check was mailed. 

During the process I started getting phone calls from Ally. The number was XXXX and her name was XXXX. I believe that was her direct line. 
I called her countless times and kept her up to date on what was happending and even requested a payoff on two occassions. We were past a couple of months past the termination date. I have no idea what the connection is between Ally and XXXX but they cleary are n't on the same page. 

On XXXX XXXX I got a hold of XXXX in person ( returning her call ) and told her that I had closed on the loan and check would be on its way.She was very nasty and threatened that she was going to take back the vehicle regardless. There were some delays on my part due to a family XXXX and adverse medical situation I gave have her my loan officer and the institution so she could validate I went back to the bank on XXXX XXXX and learned that my loan officer was out of the office and would be back on XXXX XXXX. I went back on XXXX XXXX and completed the paperwork. I had my loan officer call and leave a message that the check was now on the way. XXXX did confirm that she left message on XXXX XXXX, XXXX at XXXX. She further indicated having prior discussions with Ally to validate the payoff in accordance with credit union guidleines. 

On XXXX XXXX, XXXX at approx XXXX to XXXX XXXX my car was involuntarily taken back. Obviously a malicious action given the above discussions and that the loan was paid off. 

Right now I would like to know where my car is and I want it back I will mitigate my damages in a different forum

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc
State: CA

Complaint narrative:
Hi There We have the mortgage from Siwell Inc. dba XXXX XXXX XXXX of Texas ( NMLS XXXX ) My Loan # is XXXX. We are refinancing this mortgage with some other lender and requested the pay off request from XXXX XXXX on XX/XX/XXXX. Despite of out more than one dozen call and fax requests they are not giving our pay off amount. They always transfer the call to a loan officer instead on customer service and loan officer try to sell us other mortgage. Today is XX/XX/XXXX and my lock with other lender is expiring on XX/XX/XXXX and the pay off is the only one loan approval condition left. Why these unethical companies let loose to work and bother the people who are their loyal customers My Info XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
Today XXXX/XXXX/XXXX around XXXX pm I called to attempt to pay a collection account as Im trying to rebuild my credit. I have dealt with a half dozen or so collection agencies to do this very thing. The previous agencies were very helpful in helping me repair my credit. However, Pinnacle Credit Services LLCXXXX XXXX XXXX XXXX said they dont delete accounts and they would mark it paid in full or settled if I gave them all my vital information including my Social Security number before they would do anything. They wouldnt even send a letter saying that if I paid them it would be marked as I said earlier. They still wanted all my info. I dont trust collection agencies so I thanked them for doing NOTHING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi XXXX took a double payment from my account. When I called about it, I was told that they would credit my bank account within 3-4 business days. On the 5th business day the funds were not there. I called them back. They said that the credit was under review and it may take an additional 3-4 business days. I told them that it was not what I was promised and gave them an alternative that if they could not credit my bank account back that I would accept a waiver of my XXXX payment instead. They informed me that it could not be done. This is false information as I myself work for another credit card company and it most certainly can be done. I informed the supervisor that if they could not credit me in a time that they promised and were unwilling to compromise with my alternative solution that I would file a complaint with the CFPB and any other entity that I think could help me, and help my fellow Citi cardholders get some common sense policies put in place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Initiated wire transfer withdrawal from Conbase/XXXX account for {$30000.00} on XXXX XXXX, XXXX to bank account. Amount was immediately debited from account. It is now XXXX XXXX and wire transfer has not been received. 

Phone support does not respond to transfer problems and refers them to email support. No response from email support to multiple requests. 

transfer XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX Transfer ID : XXXX Customer support requests : reference to XXXX # XXXX reference to XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: RI

Complaint narrative:
Diversified Consultants has repeatedly called from XXXX ( enough that I put in a call block ) and recently from XXXX ( yesterday ) and XXXX which I answeredtoday, XX/XX/XXXX.  They claim to be collecting an unpaid debt from XXXX. Today they said it was for some {$240.00}. I simply responded, both times, that I have n't had an account with XXXX in about a decade and hung up. 
If it 's a legitimate debt then they can send me proof via snail mail. If it 's legit, they should have my address. The last time I checked, the USPS was still delivering. Since I have n't received any bills or threatening letters from XXXX, I can only conclude that this is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am filing this complaint because a company called IC System is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$200.00} but I have never done business with them or signed any agreements with this company. The account number on my credit is # XXXX. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in XXXX XXXX, MN and I have never lived in Minnesota in my life. I live in Georgia. This company has several negative reviews and over 616 consumer complaints listed on the Better Business Bureau 's website. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay 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 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: MN

Complaint narrative:
I opened this credit card on XX/XX/XXXX, XXXX credit card interest rate 37 %, XXXX $ annual fee. Per contract every year with no late payments they would give you a credit increase. On XX/XX/XXXX recieved a credit increase of XXXX $ and also charged an annual fee of XXXX $ which actually was only a XXXX $ increase in credit. I always paid on time and even paid card off two times in that year. Was promised in one more year on time payments in XX/XX/XXXX, another credit increase. When I called to request increase, i was denied credit increase, and informed I would be charged a larger annual fee of XXXX $ for the use of the card! I was told that employee was new there and he did not know why I was denied. I had no late payments. He stated I would recieve the reason in 7 to 10 days! I called back the same day and was told by another new employee I had been late on my payments two times! I was using this card at 37 % interest, an annual fee, and no cash advances to build my credit history only. Never late on a payment or charged a late fee. Was told I would recieve a notice as to why I was denied in 7-10 days. I  recieved two letters 7 days later. The first one said to many delinquencies, to many transaction declines in past year and insufficient credit history! There were a lot of declines due to this card being on my XXXX XXXX, and was fraudulently charged so removed all credit cards from phone. I was never delinquent! And I also had the card over two years with on time payments! Plenty of history. The second letter I received the same day, stated I had applied for credit increase to soon and to reapply in30 days. Over a year had passed since last credit increase! I called the company, closed my account, and stated I would not be using the card anymore, so would not pay the annual fee they charged to the card, either. I also stated I would pay my balance of XXXX $ on time until paid off. My credit report shows account as still open and my balance increased to XXXX $ which was the annual fee added to the balance due on card! Does not show a late payment but I demanded them to close account, and deal with the consequences, than work with criminal practices. I have wrote the company, and have recieved no response, just s bill. I am working hard to rebuild my credit, and I feel this company is taking advantage, or scamming people into believing they will help, and pocketing millions of dollars. Something needs to be done. They are ripping people off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: NY

Complaint narrative:
Premier Student Loan Center was a third party company that called me about student loan forgivness. I jumped on the idea as I had heard about it and was struggling to make payments. The company told me I had to pay a fee to enroll and then I would have to pay just XXXX dollars a month for 20 years which would cover my loan, totalling at around XXXX total. as opposed to XXXX and change. Apparently, they were going to lie about my income to have my loan not be paid at all. Meaning they would report I make so little that my payments would actually be zero ; that is until my income is shown to be more, in which case I would start to pay my loan back again, while still paying them the total of XXXX over 20 years. 
Originally I was told that the XXXX was to pay off my loan. This is incorrect because the company gets 100 % of that money. While my loan would 've only been deferred until I show that I make more money, in which case intrest would still be growing on the loan, etc, etc. 
It was false advertisement and In the long run I would 've paid the XXXX and change plus the XXXX to premier student loan center. Which is no way to help a student forgive their loan.. Pretty messed up if you ask me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
XX.XX.2017 A wire transfer was made in the amount of {$20000.00} based on a fraudulent email received by our accounting department. Please see attached email chain.

We contacted Santander within 30 minutes of making the transfer and spoke with a rep whose name we have, who assured us that he would inform XXXX XXXX to stop the transfer. Later that day, our VP contacted the fraud department of Santander and they also assured him that a reverse action would be taken. Two days later, I contacted the supervisor of the wire transfer department and she told me that she generated a fraud claim # XXXX. As of today, no one a

t Santander knows where the money is. I filed a police report and sent a copy to Santander.

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