vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2019 I called chase bank in order to stop transactions of my credit card that was utilized to purchase XXXX dollars in gift cards from XXXX. 8 gift cards at XXXX dollars each. The gift cards numbers were stolen and utilized to purchase merchandise that I did not authorize and tried on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX th and on multiple other occasions to stop any transactions. The manager of XXXX informed me on XX/XX/XXXX that they would not freeze these gift cards nor cancel them despite the scam, fraud and theft. I called XXXX again on XX/XX/2019 after speaking with Chase Bank due to XXXX stating to my bank these were authorized transactions even though XXXX managers were informed that this was fraud and I wanted these cards canceled. XXXX had time before shipping out of any and all merchandise that were purchased with stolen card numbers to stop shipment due to me informing the staff and manager. The Manager called the staff together following my complaint about fraud And theft and informed the staff that they should make sure to not sell 8 XXXX dollar gift cards without checks and balances. I spoke with the employee XXXX about this and she sent an email to her boss about this situation and o never received a call back. I was given a lost and stolen number fro XXXX which only told me to reach back out to the store again to report. I also reached back out to chase to refund the money that was from stolen gift cards and they stated that it was a good transaction even though none of the merchandise was sent to me due to gift card numbers being stolen. Chase was informed of the fraud and theft that took place from this purchase and continued to look for loopholes instead of freezing the funds when notified by the customer and allowed the customer to be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
FIA CARD SERVICES, XXXX XXXX XXXX AND BANK OF AMERICA VIOLATED THE AUTO MATIC STAY XXXX XXXX-. ALSO, XXXX IS FAILING TO VACATE DEFAULT JUDGEMEMNTS ON FILE, THIS DEFAULT WAS ILLEGALLY GOTTEN BY ATTORNEY CHANGING ADDRESS IN THE MIDDLE OF LAWSUIT AND WAS NOT FURNIAHED FINAL COURT DATE. ALSO, REPORTING JUDGEMEMNTS ON XXXX, THAT IS SUPRESSED BECAUSE OF YOU.

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 2019-11-08 00:00:00
Product: Debt collection — Medical 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: AmeriCollect
State: IN

Complaint narrative:
On several dates during the month of XX/XX/XXXX, I received several phone calls throughout the day, XX/XX/XXXX through XX/XX/XXXX several times a day I would receive phone calls from this debt collector telling me that not only will they report me to local law enforcement but are also going to seek a chips order ( child in need of protective services. ) At first they refused to send me a bill, with an insurance breakdown, of the charges. I had 3 insurances at this supposed bill. Which they refused to do, citing some bogus wisconsin law that they can and will have me arrested. I called their bluff. It is now 40 days later and now there threatening me with a civil suit and wage garnishment immediately. Which again is agisnt Wisconsin civil suit laws and the fair reporting credit act. 
I would like this removed immediately from my report. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I forwarded to TransUnion Consumer Relations. On XX/XX/2019 ( USPS Certified Mail : XXXX XXXX XXXX XXXX XXXX ). 

The furnishers are in violation of the Fair Credit Reporting Act. commercial accounts ( Information ) do not apply to the Fair Credit Reporting Act. The furnishers are reporting inaccurate, incorrect, unfair, deceitful, misleading information on my consumer report. Furnishers have damaged my ability to obtain credit, it causes me pain and suffering, mental anguish, XXXX, XXXX, XXXX, the lack of pursuit of happiness and the loss of enjoyment of life. 

I demand the following accounts listed below be removed immediately, a Consumer Report is NOT intended to be used as a commercial account ( Information ).

See Attached Documents

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 2019-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Based on online advertisements for Rocket Mortgage by Quicken, I proceeded to their website to get a quote for mortgage. The website then prompts the user to enter various personal information including name, DOB, job, residential history, income, etc. As with other websites, the user is lead to believe that they will be provided a quote prior to generating a 'hard ' credit inquiry. However, when arrived at the final step, Rocket Mortgage was prompting me to enter my SSN. I contacted customer support who verified the inquiry would be a 'hard ' inquiry. Having been mislead by their website, I was very disappointed and requested that Quicken delete my INCOMPLETE application and any information related to the aborted application. I was directed to XXXX XXXX with client relations where things only got worse. XXXX continuously asserted that, as a client, I could not have my data deleted. I argued that I am not a client as I aborted my application and was not and never have been a customer of Rocket Mortgage. XXXX was very rude in all of her interactions and basically encouraged me to file a report by mockingly saying they would not delete my information and would deal with the CFPB if/when they were contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MNS & Associates LLC
State: NV

Complaint narrative:
This company called me and left a very nasty and threatening message on my voicemail. On the SAME day, so not even time for me to respond to their message, they called my elderly parents home looking for me and left the same threatening message on the cell phones for my wife, my EX-wife and my sister. Over the past 2 days, they have left numerous messages on each of those phones. And they use local area codes on their incoming caller ID, so as to hide their actual company and number. Very deceitful. Even their company has numerous 800 numbers attached to it, when I tried to research who they were and what they wanted. The company name is M.N.S. & Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: AR

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX VIOLATED THE AUTO MATIC STAY XXXX XXXX. ALSO, XXXX IS FAILING TO VACATE DEFAULT JUDGEMEMNTS ON FILE, THIS DEFAULT WAS ILLEGALLY GOTTEN BY ATTORNEY CHANGING ADDRESS IN THE MIDDLE OF LAWSUIT AND WAS NOT FURNIAHED FINAL COURT DATE. ALSO, REPORTING JUDGEMEMNTS ON XXXX, THAT IS SUPRESSED BECAUSE OF YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 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: FC HoldCo LLC
State: NY

Complaint narrative:
these companies are coming up on my credit report as a hard inquiries. 
I never had any communication with these companies. I would like some help reaching out to theme I've tried numerous time to get in touch and haven't had any luck. All these companies show the same month and very close dates.

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 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: VA

Complaint narrative:
Hello CFPB Staff, I recently received a notice from a debt collection agency claiming to be collecting on an unpaid toll fee for the XXXX XXXX XXXX company. The notice cited that I owed the company - Linebarger Goggan Blair & Sampson LLC - {$80.00}. The notice references the license plate, XXXX, for a car I previously owned ( sold in XX/XX/2019 ). 

I never took an XXXX XXXX XXXX toll in the car referenced and never received any toll notices from the XXXX XXXX XXXX company for that car. I was unable to find any record on the company 's website. I reached out to them and have yet to receive a reply. 

I am concerned that this debt collection attempt is fraudulent because : ( 1 ) I never took an XXXX XXXX XXXX toll with the vehicle referenced, license plate # XXXX, MN. 
( 2 ) I never received any notices from the XXXX XXXX XXXX company about any toll violations for that vehicle. 
( 3 ) There's no record of the toll violation on the XXXX XXXX XXXX company 's website. 
( 4 ) A cursory internet search of the debt collection agency gives me reason to suspect that the debt notice is possibly illegitimate. 

Pertinent Information : Account # : XXXX. 
Clint Code : XXXX. 
Online Payment Number : XXXX. 
License : XXXX, MN. 
Date of Notice Letter : XX/XX/2019. 
Debt Collection Agency : Linebarger Goggan Blair & Sampson, LLP. 
XXXX XXXX XXXX. 
XXXX XXXX, TX XXXX. 
XXXX. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NV

Complaint narrative:
Good afternoon, I paid a debt owed from from a XXXX Phone bill on XX/XX/2018, in the amount of {$730.00}, collected from XXXX XXXX, XXXX '. 

I recieved an credit alert tha collections Agency ' I C system ' has placed an account on my credit report for the same XXXX bill that was already paid. 

XXXX sold the debt twice. And reported this debt on my credit report. Illegal.

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 2019-11-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I requested a 5 year amortization. Navy Federal Loan Officer XXXX XXXX refused to let me have a 5 year amortization and insisted I could only have a 15 year amortization. Navy Federal also had a promo he pretended not to know about. I submitted a complaint and requested a different loan officer. Navy Federal equity loan department did not honor my request and did not assign me a new loan officer. For over 2 weeks their dept. has kept it as the original loan officer XXXX XXXX. I called again on XXXX and spoke with a Supervisor in the equity loan dept. named " XXXX  '', number XXXX. XXXX also did not switch me to a loan officer. Instead of complying with my repeated request for a new loan officer to be assigned, he kept talking to me about me submitting paperwork. He continued to argue with me that I should return the loan application paperwork, and continued to not assign me a new loan officer and now I am filing this complaint. 

XXXX XXXX should be fired for trying to deny me the promo, and not signing me up for the promo as the notes on my application stated I wanted. He also tried to bully me into a 15 year amortization instead of 5 year amortization. Navy Federal specifically told me on the phone that I could have a 5 year amortization, and he tried to deny that. XXXX, should also be fired for arguing with me about loan paperwork and trying to convince me to return loan paperwork when he was not complying with my request for a new loan officer to be assigned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
There is multiple medical debt that is not owed nor is the amount shown on y credit report. Also there is debt shown more than once with the same amount. 4 of them should have been deleted already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AR

Complaint narrative:
The federal Stafford loan from XXXX XXXX  in XXXX XXXX in XXXX was approved for XXXX  Discharge on XX/XX/XXXX. The loan was then monitored for 3 years for continued XXXX. I met the 3-year period for XXXX XXXX XXXX XXXX. As of XX/XX/XXXX, the U.S. Department of Education and its loan servicer, Nelnet, noted that the loan was officially discharged and would not be subject to any further monitoring. Nelnet stated by letter that this loan would be reported as DISCHARGED. The loan was officially discharged more than 3 years ago. XXXX refused to note the correct status as discharged. XXXX  changed the status of the loan to PAST DUE with terms. The loan was never past due or late. The correct status is DISCHARGED. All of the other credit reporting agencies have removed the loan from their respective credit reports and they also do not post disconnected phone numbers and other inaccurate information. I am covered under the XXXX  XXXX  XXXX  XXXX  regarding unfair business practices and violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A couple of automatic debits from my wells fargo checking account are preventing me from managing my account as i normally do. 
Ive removed both of them from accessing my account in the future, & although i deposited enough funds in my account within 24 hours of when the transactions appeared online as pending, wells fargo has for 2 months initially charged an insufficient funds fee which not only ties up my funds preventing me from meeting my minimum 10 uses of my atm card needed to avoid the checking monthly service fee, it also causes other automatic transactions to cause additional insufficient funds fees. Wells fargo is circumventing the grace period i normally utilize to manage my accounts, by claiming that these transactions are approved a day before they even appear as pending online in their system. 
I would deposit the amount needed to cover the insufficient funds fees, hoping that with the overlap of transaction dates the associated fees will self resolve, but i must pay rent instead & do not have that luxury. Because my funds last month were unnecessarily tied up for several days I also failed to meet minimum requirements necessary to avoid charges for my wells fargo savings account & for the first time was charged that service fee. That account balance is now below zero as a result. I rely on text/ email notifications as wells as closely monitoring my accounts online & still can not avoid penalties using the tools they provide. Whats wrong with this picture? Account now is nearly {$60.00} in the red due to 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 explanation
Consumer complaint received 2019-11-08 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: GA

Complaint narrative:
XX/XX/2019. At XXXX location I tried to make a purchase. Their payment system was down. I will attached a picture if that. The card that I was told was not used was a Capital One. By beginning of XXXX, 2019, XXXX illegally took fonds from this account, all together about {$630.00}. I immediately closed the account, moved from XXXX to XXXX  XXXX and asked Capital One to reimburse me. I had more than one conversations with XXXX, they have not fulfilled their commitments. I also had multiple conversations with Capital One. On XX/XX/XXXX I have received an email from a worker at XXXX that had access to all of our info. Everything will be attached. After reimbursing the money Capital One stated that something doesnt match. And XXXX, who did not even bother to read all the documents submitted to them, told me that he is the highest in charge and I need to take the issue to XXXX, and there is absolutely nothing he would do for me. after I submitted a super long chat between XXXX and I, where XXXX is lying and presenting false data. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: VA

Complaint narrative:
This company Reliant Capital Solutions has attempted to collect a debt located at XXXX XXXX XXXX XXXX XXXX, XXXX has performed shady practices to attempt to collect a debt without due process. They immediately informed my employer to deduct the amount of monies from my wages through a garnishment when I rejected their offer and do not have a contract with them. 

Now as of XXXX they have told my company XXXX located at XXXX XXXX XXXX XXXX located at XXXX Virginia XXXX to perform the wage garnishment to collect on someone else 's behalf that Reliant Capital Solutions has brought to collect and failed to produce the contract that states I agreed to it when I have not agreed to any of their contracts or for their services at all. They have asked my employer XXXX to perform the wage the garnishment which I informed in writing via certified mail to Cease and Desist their actions which they have not and its causing me a great deal of hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had an auto loan through Capital One Auto Finance Beginning in XXXX around 1 year after I had my SSN changed and called Capital One Auto Finance to make sure records were correct of this change. 9 months after letting them know and making my payments on time, more than amount needed and ahead several times. I go to their Web site as usual to make a payment and the account was not there. I then called Capital One Auto Finance they had told me they cancelled the account because they thought I was being fraudulent. They called SS Administration office with me on phone and they told them my info was correct. Now Capital One Auto Finance over 2 years ago said they would be fixing this and reinserting the correct and all of the credit info and payments back to the Credit Bureaus I gave them after going round and round with them over 90 days to fix it. Now after 2 years this date of XXXX they tell me they need another 30 days. I am done they had over 2 years they refuse to fix this. I paid my car off in full. They have severely hurt me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Late charges reported on disputed account XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2019 I closed on my house and received the equity check of XXXX from the title company. The check was deposited into an existing checking account at fifth third bank in XXXX Indiana at the XXXX. The check cleared two days later but the manager refuses to release the funds and refuses to pay interest for the days they are fraudulently holding the whole check. She is acting in a vindictive way. I tried to complain to other managers but its late on Friday. Ill definitely try again Monday but need help in getting my money

Company response to consumer: Closed with explanation