vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, rep from the company called me about my bill, I had do not call on my account since XX/XX/2017, I had been off sick due to XXXX XXXX which I was just coming out of the doctors office I asked the rep why she was calling me told her repeatedly that I was sick and that she shouldnt be calling me, I told her I was not feeling well I would take care of my be she kept talking told her again Ive never been late on a bill have excellent credit and I hung up, XX/XX/XXXX another rep called me for the same reason I advised rep I have dont call me before I answered they called me repeatedly over n over so I could answer I was very ill told rep I had got bad health news regarding my hurt she continued I hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi, I just checked my XXXX XXXX to see how I am doing and my score had gone down XXXX points. I clicked on it and it said I have a hard inquiry from XX/XX/2018 and all that is there is " CBNA '' and " XXXX XXXX XXXX XXXX '' and that is all the information that I have. I do not know what it stands for nor did I give permission to anyone/ anything to get a copy of my credit report. I also have not applied for anything so I do not know what this is and why it is on my record. Is someone trying to impersonate me because this is very worrying.

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 2018-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I originally bought a XXXXXXXX XXXX in XX/XX/2015. The original price of th car was {$19000.00} which includes the tax for the vehicle. The monthly payments for the vehicle is {$470.00} after 3 years of paying I called XXXX XXXX XXXX   to find out what is the estimated pay off for the vehicle only to find out that I still owe {$19000.00} roughly. In calling to get an explanation all I recieved is rude and short answers like, " this is what you agreed to. ' Also the representatives have hung up on me on severall ocassions in me trying to figure out what kind of sense does it make for me to owe as much as I originally financed for the car. In doing the math I have already paid over 16,000 to this company. I do understand that interest is involved in loans so I do not expect to pay exactly what I have financed but at this rate it looks like they expect me to pay close to 40,000 on a compact car. I can not see how this can be legal. In fact, I am not even sure if a loan of this nature is even legal. can you please look into this for me. Thanks.

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 2018-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have contacted Wells Fargo multiple times regarding this and have received multiple answers, each different. We were told at our closing that we would have to pay PMI on our loan until we reached a certain loan to value based on the outstanding balance and the current value of our home. We were never told that we had to wait a certain number of years and that the loan to value would be based on the value of our home at the time of closing, not it's current value. After all the improvements that we have done now count for nothing. Two years ago our home was appraised at {$240000.00} and taking that into consideration with our current balance of {$170000.00}, we are well below a loan to value of 76 %. I am filing a dispute against Wells Fargo and what I consider are deceptive business practices on their part and the part of the loan officer.

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 2018-09-17 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Attempts of having false credit inquiries removed from credit report. No actions were taking on the " lender '' side.

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 2018-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I filed a complaint against this company with the CFPB regarding a charge on one thier Home Depot credit card products. After filing the complaint i noticed that they had reduced my credit limit from {$5000.00} to {$4000.00}. Since my credit is in good standing and I have never even had a late payment, i would have to reason that the credit reduction is a result of my filing a complaint with the CFPB

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 2018-09-17 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Attempts of having false credit inquiries removed from credit report. No actions were taking on the " lender '' side.

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 2018-09-17 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: BB&T CORPORATION
State: MI

Complaint narrative:
Attempts of having false credit inquiries removed from credit report. No actions were taking on the " lender '' side.

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 2018-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
The date is XX/XX/2018. After cashing my check of {$3000.00} from a teller in a TD Bank in New York ( XXXX XXXX XXXX, XXXX XXXX, NY, XXXX ), which I do not have an account with, I immediately tried to make a cash deposit in the same bank branch 's ATM, using a debit card from my own bank, XXXX XXXX. The cash deposit is {$2900.00}, because a {$7.00} fee was generated when I cashed the check ; the last four digits of the debit card number is XXXX. I put the XXXX debit card into the machine, no warning ; I put in the cash, still nothing ; and before I knew it, the ATM had counted my money and eaten it along with my card. 

I have made numerous attempts to contact TD Bank, but they refuse to give me any information about or support me with ATM Settlement because I am " not their customer. '' Their only suggestion is that I contact my own bank, XXXX, to file a dispute and get this solved in the back offices. I tried this, but XXXX was also avoiding the responsibility by denying my initial application for investigation, although later they have reopened the case under my request. Till tonight there is no update from either bank. 

I have the right to know where my money goes and reclaim it. TD Bank has no right to keep the money or refuse cooperation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
TO WHOM IT MAY CONCERN AT CHASE BANK ' I AM SENDING IN A NEW PIECE OF EVIDENCE RECORDED TODAY AT MY MOTHERS HOME, XX/XX/XXXX TO PROVE I WAS AUTHORIZED TO TAKE MONEY FROM MY MOTHERS XXXX XXXX XXXXXXXX ACCOUNT AND ANY OTHER ACCOUNTS FOR THAT MATTER WHEN SHE WAS CRITICALLY ILL DURING THE MONTH OF XX/XX/XXXX THROUGH XX/XX/XXXX. 
YOUR BANK IS STILL HOLDING XXXX CENTS OF MINE FROM ACCOUNT XXXX AND XXXX. 
THIS ATTACHED RECORDING MENTIONS THE CLAIM NUMBER, XXXX  XXXX XXXX BY NAME AND MY MOTHER SAYING IN HER OWN WORKS SHE TOLD ME TO TAKE THE MONEY FROM HER XXXX  XXXX XXXX ACCOUNT. ACCORDING TO XXXX XXXX XXXX ONLINE DISCLOSURE POLICES AND RULES, THAT MAKES ME AN AUTHORIZED USER. ALSO OF COURSE SHE GAVE ME HER USER NAME AND PIN NUMBER OTHERWISE HOW I WAS TO TAKE THE FUNDS OUT FROM HER ONLINE BANKING. 
THIS WILL CONCLUDE THE UNEQUIVOCAL EVIDENCE TAKEN TODAY, FROM MY MOTHERS OWN WORDS. SHE ALSO SAYS SHE NEVER SENT BACK THE FORMS TO XXXX XXXX XXXX, AND I SAW THAT MYSELF TODAY AS WELL. 
THEREFORE, PLEASE CONCLUDE YOUR INVESTIGATION AND RIGHTLY RETURN MY FUNDS IN FULL TO ME ASAP. HERE IS THE AFFIDAVIT I SENT TO XXXX XXXX XXXX AND THEY MUST ALSO COMPLY WITH THEIR RULES AND POLICIES AND HONOR THE EVIDENCE HERE FROM MY MOTHERS OWN VOICE. WHICH I HAVE BEEN TELL YOU AND THEM ALL ALONG AND ALSO SUBMITTED OTHER RELEVANT EVIDENCE PREVIOUSLY TO YOU AND XXXX XXXX XXXX. XXXX XXXX XXXX IS OUT OF LINE TO MAKE ANY RULING AGAINST ME. I SPOKE WITH AN ATTORNEY AND ALSO LET HIM LISTEN TO THIS RECORDING TONIGHT FROM MY MOTHER AND HE SAID THIS SEALS THE CASE IN MY BEHALF AND PROVES MY INNOCENCE FROM ANY WRONG DOING. IF I NEED TO GO TO COURT IN A CIVIL HEARING ON THIS I WILL. I HAVE DONE NO WRONG DOING AND CHASE SHOULD RESTORE THEIR RELATIONSHIP WITH ME AGAIN. 
XXXX XXXX XXXX 'S DISCLOSURE STATEMENTS REGARDING THIS ISSUE BELOW>>> -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- B. Limitation of Liability for Online Banking Transactions : When you give someone your Online Banking ID and passcode, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Deliberate fraud performed by Citibank on a simple checking account. 

Direct deposits, Checks and even cash deposits were delayed precisely 4-5 days before scheduled auto-pay bills such as water/electric/credit card bills The deposits displayed in said available balance were actually on hold. In investing this, I made a counter deposit in cash with a check on the same day as a direct deposit from work was scheduled.

The scam is ... Allowing 2 attempts from any pre-authorized auto pay to fail which incurs {$70.00} in penalties, the third attempt is accepted authough funds have not been release, incurring {$84.00} in penalties The pre authorized payment along with all fees are placed into a strikingly high interest rate overdraft account. 

The result is your checking account appears balanced and the overdraft account doesnt just rake money in. 

Its hidden from paper statements, if enrolled in online statements the account doesnt exist and online it was not displayed as a dept The worst part is how payment delays coincide with autopayments. Which is the only reason I deposited cash, checks along with an instant direct deposit 6 days before my XXXX bill would hit. 

It took two months, cancellation of my overdraft account. Directly instructing the bank to deny any charge that would cause an overdraft so I could manually manage payments.

Credit score went from XXXX to XXXX over 2 months and this was just a personal account. 

That would not be fair to other people as this must be a large scale scam. Arguably 12-20,000 was stolen in a few months. Which I actually paid. 

Most people would be 100 % trapped in debt and nearly cost me one of my businesses. 

A refund, along with withdrawaling/correcting information to credit organizations is required

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 2018-09-17 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
HHGregg, who used Synchrony as their primary financing option went bankrupt and left me with a balance. This was an issue so I called customer service to make sure I was set up on automatic payments and to be sure the purchase was still safe as I had warranties also financed through the bankrupt company. The representative informed me everything was fine and my automatic payment would continue as scheduled. To our surprise, our synchrony is reported late 60 days with different dates and balances. This account was never late and I feel betrayed with a mortgage application on the line now because of this.

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 2018-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ad Astra Recovery Services Inc
State: VA

Complaint narrative:
I have been dealing with this company for 2 years now! Calling at XXXX to ask me to collect on the same debt, I have been disputing with them since I wasnt able to originally dispute the dept in the 30 day period. I have been passed around to the collection companies and Im just tried of the headache this brings thinking about this. This debt is as much as my rent and I just dont have it to pay! It stoping me from and new endeavors because of this one item in collections! Thank you for taking the time to read this. I dont know what I should exactly file this under. Im just wanted to ask I heard about a good will letter, and was wondering how to apply?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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 — Problem with personal statement of dispute
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint because a collection agency ( XXXX XXXX XXXX   ) reported a collection account on my credit report that I completely disagree with. I don't acknowledge this account. I sent this agency 2 dispute letters by certified mail in an effort to resolve this matter. I demanded proof of the debt that they claimed was mine. They were unable to produce any documents that proved that I agreed to any debt. These letters were sent on XX/XX/18 and XX/XX/18 by certified mail which I have all the reciepts. XXXX XXXX XXXX failed to provide any actual proof that I agreed to pay this alleged debt. They never responded back to my 2nd certified letter, and now 3 1/2 months later they have placed this unverified account on my credit report with no proof. I demand that they remove this credit account from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Onward Credit Holdings, LLC
State: KS

Complaint narrative:
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$200.00} from Onward Credit on XX/XX/2018 and another {$250.00} on XX/XX/2018 and another {$80.00} on XX/XX/2018 ( in total, {$530.00}. ) I have since repaid {$640.00}. I still have a balance remaining. I was unaware that the loan would have such a high interest rate. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I have attached documents, I have requested repeatedly proof this is my debt, I believe it is not mine. I have researched and found that in this type of case when the debt is sold to a third party the debt is the sole responsibility of the primary. Knight Adjustment would not send me proof and actually sent threats of court instead. The first not being viable the second time there is a court date set for XX/XX/2018 in which I need to bring proof of all my assets. This company has violated my rights by multiple calls per day, calling my mom, giving my neighbor a court document instead of me both of these violating my right to privacy, refused to give me proof that it is my debt in which by law they are supposed to produce it within 30 days of me sending a written request. I am sending all these documents to 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 2018-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc.
State: ID

Complaint narrative:
1st account : opened on XX/XX/2014. account was paid in full ( {$53.00} ), spoke to personal by phone to have it removed from credit report XX/XX/XXXX.

2nd account : opened on XX/XX/XXXX. account was paid in full ( {$260.00} ) .spoke to personal by phone to have it removed from credit report XX/XX/XXXX.

3rd account : opened on XX/XX/XXXX : account was paid in full ( {$170.00} ) .spoke to personal by phone to have it removed from credit report XX/XX/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 2018-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I despuied information with credit bureau XXXX/XXXX/XXXX XX/XX/2018 .. 
XXXX  has updated account information and removed from my credit file however XXXX/XXXX WILL NOT UPDATE INFORMATION ON MY FILE .. I HAVE ALSO REACHED OUT TO THE COMPANY ITS SELF AND THEY WILL NOT RELEASE INFORMATION AS IN WHAT THE CAR SOLD FOR AFTER REPO ETC..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Business Factors
State: ID

Complaint narrative:
opened on XX/XX/XXXX. account was paid in full ( {$200.00} ) .spoke to personal by phone to have it removed from credit report XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
opened on XX/XX/2018. credit report shows I owe {$120.00}. did not receive proper notification of this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: AK

Complaint narrative:
I have reached out Capital One on XX/XX/XXXX or XXXX I believe this year. I had a payment over the phone with someone and they charged be mort that I agreed after I gave them my card information. During the ongoing dispute Capital One said even after I filed a police report against these people it is not a crime because I have had business with these people. It is a crime to use someone credit card information withdrawing a different amount that the person agreed. They are about closing the dispute now since early XXXX saying it was not a crime and rebilling the XXXX dollars.

Company response to consumer: Closed with explanation