vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
The bank closed my account without any cause of notice. I called the banks customer service on XX/XX/2018 and I was told my credit card has been closed. The representative told me that the bank tried to contact me in XXXX to verify my information, but there was no response. I didnt receive any mail, email, call, text message or any form of communication from the bank. In fact, I have been trying to contact the bank for the past few months but I havent been able to get in contact with any representative, due to bad customer service and long wait time. I was lucky to enough to speak to a customer service representative about my credit card in XXXX, but the representative couldnt help.

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 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This debt was owed 5 years ago in which I paid my current rent moved from the property. The property has since went out of business and this company is still reporting my debt to the credit bureau I need this removed from all credit files

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: Innovate Managed Holdings, LLC
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting rolling multiple lates on my account. I have not received any statements or any phone calls from Innovate to inform me of any lates. I thought my payments were being made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
I went to a Western Union office in a XXXX XXXX # XXXX in XXXX, AZ with cash to send to XXXX for some glass bottles for my perfume business. XXXX entered all the information on his terminal. ( XX/XX/18 ) I gave him my passport and driver 's license for identification. When he had it all entered and I proofed the entry I gave him {$2300.00} in cash. He gave me the store receipt for the cash I gave him and the terminal receipt. I was just about to leave when he said, " Wait, they placed HOLD on your account. We need to call XXXX and you need to answer a few questions before they send the money. '' Then we called and they put us on hold for 45 minutes. We gave up thinking they forgot us -- called back and after about 10 minutes they picked up. We explained that I needed to answer some questions before they'd send the money. They said, there is no supervisor here right now -- we will call you back in 2-3 hours. No one returned the call. The next morning I called the number and was on hold 1:12 minutes before I gave up and decided to head back to the store. They listened to my problem and called the phone number they had which was the same as mine -- waited again on hold for 45 minutes. Hung up tried a different phone number the store had -- waited explained what we needed -- put us on hold again. Spent a total of an hour there getting no answers. I asked to speak with the store manager : XXXX. She said she could do nothing about the loss of my money and I would have to take it up with Western Union. I'm frustrated as I can't email them -- and all they do is put me on hold for hours. It's like they are holding my money hostage. I've never used Western Union before and will never use them again. But I deserve to get my cash back as I got no service for fees rendered and much distress. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The company left a voicemail on my wife 's phone threatening to show up to my home or job. When I called they threatened me with garnishment and judgment. This is the first time we have heard from this company. We have not recieved any Initial Demand Letters.

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 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bepensa Capital, Inc.
State: TX

Complaint narrative:
In short, AFS Acceptance financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested AFS to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before AFS finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, AFS 's Title Manager admitted to me that AFS had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. SHE REFUSED. She also informed me AFS had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX, I filed a complaint against the auto dealership and then found out AFS had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. AFS was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from AFS representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want AFS to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and Fraud.

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 2018-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had a credit card through XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX. I used a debt consolidation loan from CitiFinancial to pay it off in XX/XX/XXXX. Now years later my paycheck and bank account are being garnished and XXXX XXXX states they never received payment. The debt was sold to a debt collector about 2 years after the consolidation loan was taken out to pay it off. All other debts that were paid using the loan are paid, this is the only one that was not. We have paperwork from our loan that says that money was sent to XXXX XXXX XXXX. If it was not sent as the loan says then Citifinancial breached the contract. When we called to get copies of the paperwork they were unable to provide copies of the checks or account numbers associated, though we brought in our statements and they wrote the checks from those. They stated that since it was over 7 years ago they no longer have check copies and can not provide me with any proof that they were ever sent. We were never in possession of the checks and CitiFinancial dispersed all funds themselves. My bank account is wiped clean at least once a year for the past 7-8 years and my paychecks are being garnished for around {$400.00} each month for a debt that we took all steps to pay in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
I have been attempting to negotiate a settlement with XXXX XXXX for some time now, and each time I call I am told that they will not ever correct my credit report if I settled with them in full. 
I currently owe them {$830.00} which I am trying to pay under the condition that they report my account is satisfied in full and they remove the charge off as every other bank has while I have been repairing my credit. XXXX simply refuses to assist and offers no incentive to satisfy the debt owed. I am trying to fix my credit but have hit a wall of non compliance from XXXX who has never provided me with any written information or solution to settle my debt with them. I am in desperate need of help. 
I have been trying to resolve this since 2016 when my home was burgled and the purchase product was stolen and never recovered by law enforcement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I would like these items removed from my credit reports because I am a victim of identity theft.I noticed several inquires on my credit report that I did not authorize. 

Inquiry # 1 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 2 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 3 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 4 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 5 XXXX  DATE : XX/XX/XXXX Inquiry # 6 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 7 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 8 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 9 XXXX XXXX XXXX DATE : XX/XX/XXXX Inquiry # 10 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 11 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 12 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 13 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 14 XXXX XXXX  DATE : XX/XX/XXXX Inquiry # 15 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 16 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 17 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 18 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 19 XXXX DATE : XX/XX/XXXX Inquiry # 20 XXXX XXXX DATE : XX/XX/XXXX Inquiry # 21 XXXX XXXX   DATE : XX/XX/XXXX INQUIRY # 22 XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: eMoneyUSA Holdings, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I tried to payoff my loan on XX/XX/XXXX. I was told I needed a debit card which I replied no because my bank will freeze the payment thinking its fraudulent. I was told by my contract legally I need to provide a debit card. I reread my contract and nothing is mentioned about needing a debit card. Told them if they can not accept my payment ACH like on file they are refusing payment and to stop further deductions. I was told that was no way to stop payments, within my consumer rights I can refuse and take off ACH for any reason! They have also failed to report to my credit agencies of payments maid which I was told they would!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: OR

Complaint narrative:
Original loan is for {$900.00}. Payback amount is {$4100.00}. I feel that this is in violation of Usury laws in the state of Oregon. They are also not licensed to loan in Oregon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Approximately {$1500.00} in fraudulent unauthorized charges using stolen debit card number over the course of about 2 years. Wells Fargo allowed these obviously fraudulent charges ( all out of state, most out of the country to what appear to be private XXXX accounts ). 
Reported to Wells Fargo upon discovery in XX/XX/2018. 
Wells Fargo refunded a tiny portion ( about {$70.00} ) to cover the first 60 days of the fraud as they are legally obligated to do ) but refused any recompense on the remainder. They also mishandled the investigation, leaving approximately {$300.00} or so out of the claim due to some sort of mathematical or transcription error that I was unable to get to the bottom of. 
Was told today ( XX/XX/18 ) that I had escalated as high as I could go and that they would not re-open my case.

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 2018-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had a credit card through XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. My husband and I used a debt consolidation loan from CitiFinancial to pay it off in XX/XX/XXXX. Now years later my bank account are being garnished and XXXX XXXX states they never received payment. The debt was sold to a debt collector about 2 years after the consolidation loan was taken out to pay it off. All other debts that were paid using the loan are paid, this is the only one that was not. We have paperwork from our loan that says that money was sent to XXXX XXXX XXXX. If it was not sent as the loan says then Citifinancial breached the contract. When we called to get copies of the paperwork they were unable to provide copies of the checks or account numbers associated, though we brought in our statements and they wrote the checks from those. They stated that since it was over 7 years ago they no longer have check copies and can not provide me with any proof that they were ever sent. We were never in possession of the checks and CitiFinancial dispersed all funds themselves. My bank account, as well as my children 's are wiped clean at least once a year for the past 7-8 years for a debt that we took all steps to pay in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Despite months of requests, QUICKEN LOANS / ROCKET MORTGAGE will never stop sending spam lending offers. Their eccentric 'UNSUBSCRIBE ' link seems designed only to collect more personal information, which is requested to achieve relief that never comes. In effect, QUICKEN LOANS is a spammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Purchase was XX/XX/2017 with XXXX XXXX XXXX Invoice states that NEW PARTS are to be installed on the vehicle. Please refer to attached invoice, in the TOP LEFT CORNER it clearly states that New Parts will be installed. I have circled this area in red so it is easier to see. 

Please refer to statement by the Merchant which indicates that they installed parts previously used on another vehicle. I have underlined this portion of their statement in red so it is easier to see. 

Based on these two pieces of documentation, it clearly shows that the Merchant 's description of the item ( What was stated on the invoice ) does not match the merchandise received. 

I am asserting my CLAIMS AND DEFENSES protection, and am within the 1 year deadline to do so. I am disputing the amount of {$1200.00}. The merchant has refused to refund the charges, and I am requesting that Chase dispute the transaction and return my money to me. The merchant is located within 100 miles of me, and I have not paid the amount that I am disputing, so I am well within my rights to assert my claims and defenses protection. 


The response from JP Morgan Chase : " We were unsuccessful because we have nothing to support that the service/merchandise that you received is different than what is on your final sales receipt or invoice. '' is misleading because the Merchant sent them the Statement admitting that they installed USED parts on my vehicle, when I have supplied them with the signed invoice stating that NEW parts were to be installed on my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: TX

Complaint narrative:
Experian retaliated againgst me for reporting them. Fraudulently stated I recently reported identity theft which I did not. Multiple disputes used the cover that I reported identity theft to avoid handling my legitimate disputes with XXXX XXXX, XXXX and XXXX. Experian should be investigated today the lowered my credit score 68 points because of XXXX XXXX a company that failed to advised what happen to my return and what they are ruining my credit over. Experian should be fined for manipulating my credit score showing as if XXXX XXXX is a recent legitimate debt. Without showing debt or proof of debt.

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 2018-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
I have had multiple problems with XXXX XXXX 's handling of my loans under the Public Service Loan Forgiveness Program. Most importantly, I have called in multiple times to verify that all of my loans were eligible for forgiveness within 10 years, and multiple times I have been told that they were. For instance, I called in XX/XX/XXXX to verify that my monthly payments were correct, as I had just recertified my employment and the payments increased more than I expected. I asked the associate to check how many qualifying payments I'd made and to make sure that everything was on track and my loans would be forgiven at the end of the 10 year period. The associate did confirm that everything was on track and all of my loans would be forgiven at the end of the 10 year period. 
On XX/XX/XXXX, I called XXXX 's customer service line to address an issue with the recertification of my employment and the representative informed me that two of my loans were not eligible for forgiveness under PSLF, and that I would need to consolidate those two loans and restart the qualifying payments on them. I was volunteering at a summer camp for 2 weeks and did not have time to address the issue on the XX/XX/XXXX. Upon returning home, I contacted XXXX on XX/XX/XXXX. I spoke with an associate and a supervisor. Both said they were unable to help me and suggested I apply to consolidate the two loans and restart the 10 year period for forgiveness. I feel as though my loans have been terribly mismanaged and I have been deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Pinnacle Financial Group, Inc.
State: FL

Complaint narrative:
Over charging me for what the vechicl is actually worth

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: GA

Complaint narrative:
On XX/XX/2018 I notified XXXX that there were inaccurate and/or erroneous items listed on my credit report. I received a computer generated response on XX/XX/2018 headed " Important Information ''. Moreover, the responds letter never answered my complaint or inquiry. 

I sent a second request on XX/XX/2018 restating my complaint or inquiry of the inaccurate and/or erroneous items. On XX/XX/2018 I received a response heading again " Important Information ''. In addition, to being nonresponsive to my complaint of inaccurate and/or erroneous items listed on my credit report. XXXX mailed me a " dispute results '' letter stating all companies have responded and they have verified the accuracy plus they have updated their files. 

In retaliation for filing the complaint I've received numerous collection letters from collection agencies, stating they own the debt and are demanding the inaccurate or erroneous debt that I never had with them or whom they bought the debt from. I believe these retaliatory actions to be criminal and a direct threat to the laws as they are written for consumers called the Fair Credit Reporting Act. 

XXXX has not done their due diligence with regards to my credit profile and it has cost me employment harm, financial harm and emotional stress.

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