vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2019 at approximately XXXX, I deposited XXXX dollars at the US Bank ATM machine located in the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX California XXXX The sequence of the bills deposited were XXXX, XXXX dollar bill and XXXX XXXX dollar bills. The ATM machine malfunctioned and began making a shuffling sound and eventually returning the XXXX dollar bill but it kept the XXXX XXXX dollar bills. On the screen it asks me how much I deposited and I replied, XXXX dollars. A receipt was given by the machine along with a statement saying, " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX XXXX XXXX so we can assist in the return of the items ''. I deposited this money into the ATM trusting that it would be used to pay a bill that would hit my account days later. Although, the bills were paid by the bank as they were electronic payments and taken out monthly, others charges were incurred like overdraft fees over one hundred dollars. Also XXXX XXXX and XXXXXXXX was directly deposited into my account. It was immediately taken to cover the overdraft fees that occurred because of the machine malfunction. I called the US Bank to ask them to return the funds that had been direct deposited into my account and I was told once the deposit is in the account, they could not reverse it. I explained to them that I am on a fixed income and needed that money to live on. Still Days have went by and nothing has happened. The money that was taken by the US Bank ATM was Thursday XX/XX/XXXX and it is now XX/XX/XXXX, and the direct deposit that was made on the XXXX for my living expense I still do not have it and its now XX/XX/XXXX. I called US Bank again today, XX/XX/XXXX and talked with a teller that told me that it may take up to 10 business days before I could receive a credit which would make it around the XXXX of XXXX before I would receive any money. I am retired and on Social Security and a fixed income and this ordeal is very unpleasant. What can I do?

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 2019-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: NJ

Complaint narrative:
Starting on XX/XX/XXXX I took a payday loan from this company in the amount of {$750.00}. Starting on XX/XX/XXXX they were deducting payments from my bank account through ( PAD/ACH ) on every other Friday, bi-weekly until XX/XX/XXXX where I had paid in full the amount of {$1500.00} including interest. On XX/XX/XXXX I took another loan for the amount of {$780.00} and starting on XX/XX/XXXX they started taking payments through my bank account ( PAD/ACH ). As of this point I have already paid {$3800.00} and still owed {$740.00} on XX/XX/XXXX. I XXXX  added another {$260.00} to make it look like {$1000.00} on XX/XX/XXXX. On XX/XX/XXXX i made a payment of XXXX and every other Friday after that I made payments of {$270.00} until XX/XX/XXXX in the amount of {$2200.00} and still owe the amount of {$900.00}. Starting on XX/XX/XXXX i put a stop payment on them when I started to see that they were taking these payments and not lowering my principle. They called and when I asked why they were not lowering my principle the agent said unless I make a special payment just for the principle they will continue to deduct {$270.00} from my account forever with no ending. Also they are calling my Job harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Circle Internet Financial
State: NC

Complaint narrative:
On XX/XX/2019 I created an account on the mobile app XXXX XXXX in order to receive {$380.00} from a friend. As soon as I created an account the company closed my account but around an hour later they let a friend send me {$380.00} to an closed account. I have {$380.00} in my XXXX XXXX   account but I can not do anything with it because the company closed my account. I contacted them with the issue and I keep getting an automated response that doesnt answer any of the questions that I have. I believe they are trying to scam me out the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and I used to live in XXXX XXXX XXXX XXXX, XXXX XXXX Florida. I always paid my bills on time I have 100 % of payment on time on my credit report and I was just blindsided by this negative report made by ideal collection service. It was regarding {$64.00} and I never got a letter or a phone call saying that I had this depth regarding water bill thats what they say to me when I called Them yesterday. I take care of my credit very closely and I really care about my reports and I do my best to be on top of my hundred percent payment on time all my payments are automatic pay so I will never forget about them. I never got any phone calls from XXXX XXXX or the collector office. Im really upset that my credit decreasing 42 points over {$64.00} that I have no idea that I had to pay. I found out that yesterday and I already filled out a check and I send it out to Ideal Collection. I think what they did wasnt fair. They hurt my credit bad. Im really upset about this and I hope they will remove this bad report after my check clears up. 
Sincerely 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 2019-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX, I lost my credit card so I called CITI to order a replacement card, then I was told to wait for 7-10 business days. But after 2 weeks, I did not receive my card, I made several phone calls then, every service representative had their own version, a supervisor even told me to wait for 3 weeks because the card was requested to send to my foreign address ( I am asking them to send the card to my XXXX address because I am studying abroad for this year ) Then on XX/XX/XXXX, a representative said she would issue a new card and should have received it in 7 days, after the time, I called them again, and another guy said no one had ever issued a new card for me. They just kept me wait again and again with even no updates. 

Later, on XX/XX/XXXX, someone canceled the previous two accounts and claimed to issue a new account, and again told me to wait for 10 business days. The card was sent on XX/XX/XXXX according to their statementI still received nothing till now. 

There are a couple of points I feel angry : 1. The last time I called them was on XX/XX/XXXX, they stated that because I am currently abroad, not in the U.S. they could not send me a card, but actually I requested on last XXXX and XXXX due to card stolen, they did send a card to me in 5 days. Why this time it would be such a problem? 

2. I called several times, no one has ever tried to help me with the issue. I understand they need to confirm with my identity with the phone number on file or other info. but I explained a lot that I am not in the states I could not use that number, so I always provided the account number which used to pay for the credit card to finish the confirmation process. Why this time they could not do like this? 

3. Nothing has ever sent to me like the tracking number and the card updates, they just keep me waiting for almost 2 months with no explanation. I don't want to hear '' I am sorry but there is nothing I can do with '' anymore, because it means Citi group does not have the ability to solve a problem, even not a big one. What's more, when I tried to calm down myself and not lose my temper, they always are impatient to me. 

4. For the last time when they issued a new card on XX/XX/XXXX, I got a mail from Citi on XX/XX/XXXX said my account had been approved and I would soon receive my card. So there is not possible to attribute their fault to the delivery company because the address is correct and I can receive mail from Citi. I am really tired of hearing excuses like 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 2019-06-15 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I presently have four student loan accounts with Navient. All four of these accounts were originally opened with Sallie Mae under the title of 'Smart Option Student Loan '. Thereafter, the accounts were assigned to Navient without notice. All four of these accounts are now incorrectly reporting missed or late payments in XX/XX/XXXX and XX/XX/XXXX ( totaling 8 missed/late payments reported ) despite my diligent efforts to have Navient correct these errors. On two occasions through XXXX and on one occasion directly with Navient by mail, I have asked Navient to correct these reporting errors that are clearly contrary to the terms of our Promissory Note. 

Pursuant to the Promissory Notes of these loans ( see attached ), repayment of these loans was to commence after the 'Interim Period ' described in the Note in Section B ( 1 ) ( a ) as " ... approximately six months after the date the student borrower graduates. '' Additionally, according to Section D ( Terms of Repayment ), Navient was required to send me a statement setting forth the repayment schedule on or before the date of repayment. ( See Section D ( 4 ) ). To date, no such repayment schedule has been received electronically or by mail. 

Further, I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX, New Jersey in XXXX of XXXX. Accordingly, as the 'School Period ' of the 'Interim Period ' had ended at that time, the 'Separation Period ' had thereafter begun. ( See Section B ( 1 ) ). The Separation Period should have lasted until XX/XX/XXXX under the terms of the Promissory Note described above. However, contrary to this agreement, without notice, Navient began attempting to collect on full monthly payments in XXXX of XXXX. When I discovered that Navient reported late payments to the Credit Bureaus in XX/XX/XXXX of that year, I immediately took action on my account and began repayment while also attempting to dispute the subject of this present Complaint directly with Navient. 

To date, Navient has been unwilling to correct the clerical error that led to my account coming due before the agreed upon period and that ultimately led to the missed payments. Navient 's failure to correct this error is also a violation of Section R of our Promissory Note ( Correction of Clerical Errors ). In closing, Navient has acted in bad faith at every stage of repayment and the language of our agreement clearly shows that the 8 missed or late payments reflected on my Credit Reports should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One has restricted my card for " security '' over 10 times this year. I have not been able to buy my kids food and our rent is past due. They are restricting our life for " security ''. 

I was asked to verify my identity by sending copies of my driver 's license and social security card or my card would stay locked. Which happens on a weekly basis several times per week. 

Most recently my account has been restricted, and I can not make purchases on the card. I was asked to verify my identity by sending copies of my driver 's license and social security card. 

After sending in my documents, Capital One said I can no longer use my card to make purchases and that they did not need to give me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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: PA

Complaint narrative:
sent a police report to Experian in XX/XX/2018 XX/XX/2018 XX/XX/2018 stating my identity was stolen 3 inquires on my report. That I never made I asked for proof of my identity no one can provide. I've recently cent removal of inquires letters in the Mail. Please remove 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 non-monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
{$180.00} was transferred to another individual through the Chase XXXX ( XXXX? ) App but then wanted to cancel / reverse the funds. Tried to contact individual to return the funds ( then they blocked me from being able to communicate with them ) so I could not do so. The company said there was nothing they could do - said Id have to contact them even though we are at the same bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: OH

Complaint narrative:
I have asked this company to place a freeze verbally and in fax thats succeeded this company had not mailed or sent credit report or security freeze info

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 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I have asked this company to place a freeze verbally and in fax thats succeeded this company had not mailed or sent credit report or security freeze info

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Midland Credit Management has repeatedly called my phone number, both asking for me and asking for people I do not know, at unacceptable hours, such as the phone call at XXXX this morning on XX/XX/19. They claim that they have an address in a time zone that would put them calling at XXXX, but that address hasn't been used in over 2 years, and if they did their research and had correct information, they would discover that we never even lived there while we were traveling for work overseas and that it is nothing but a mailing address to a postal box while we were traveling for work overseas. I have asked them repeatedly not to call during business hours as I can not take phone calls at work and not to call in the middle of the night. I have asked them not to call asking for the other people that they are calling as I do not know them. I have also explained to them that we are in the process of filing bankruptcy but they do not care. In all of the above instances, the just ignore my requests and continue to call whenever they want in a very obnoxious and threatening manner. I have recorded several of the phone calls and have them logged into my phone records that are time-date stamped. 

I asked them again not to call me every again. Although " XXXX '', they Midland Credit Management guy from XXXX, gave me a call back number of XXXX, it showed up on my caller ID as XXXX, a phone number from the XXXX AZ area. 

I talked to my attorney right after this happened and he will be filing a lawsuit against Midland Credit Management this coming week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MIB Group, Inc.
State: NY

Complaint narrative:
Let explain in my 20th email, and I emailed ceo what happen I went to XXXX in XXXX where I met an agent who ask me if I needed life insurance I said no because my records are messed up he said don't worry you can lie to get coverage. He insisted he won't help me with car insurance unless I wrap it with life insurance so I agreed to give life a try but not lie on the phone interview. Shortly after I called faxed, and email to cancel even tried to reach the VA to not allow records released because they were not accurate. The agent at statefarm told me yes I'll cancel before you uptained the reports. I want XXXX, MIB and the CEO of XXXX in this email to disregard my authorization to XXXX. Look at the proof I wanted to cancel sent previously, and the fact that I have witnesses to the agent trying to make me commit insurance fraud. My wife told me she went outside and overheard agents we think his name is XXXX talking with XXXX XXXX from XXXX, saying they got themselves a XXXX veteran and we can sell him any coverage because he is to stupid to understand what's going on. My point is not that I didn't sign a document. My point is I was taken advantage of told to commit insurance fraud and was not allowed to cancel before and after the report from my doctor was received. I already threatened to sue but I got a letter stating they won't remove and to sue if I wish from statefarm. In my file is all you need to see what I'm talking about. Please call me at XXXX if you have questions. I want someone else other then XXXX XXXX who proven to be very inconsiderate in the this. I want to forward to CEO of both companies since I have already been in contact. This is what happen to the best of my knowledge and i have lapses in judgement and memory because of my military service

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I presently have four student loan accounts with XXXX. All four of these accounts were originally opened with XXXX XXXX under the title of 'XXXX XXXX XXXX XXXX '. Thereafter, the accounts were assigned to XXXX without notice. All four of these accounts are now incorrectly reporting missed or late payments in XX/XX/XXXX and XX/XX/XXXX ( totaling 8 missed/late payments reported ) despite my diligent efforts to have XXXX correct these errors. On two occasions through Equifax and on one occasion directly with XXXX by mail, I have asked XXXX to correct these reporting errors that are clearly contrary to the terms of our Promissory Note.

Pursuant to the Promissory Notes of these loans ( see attached ), repayment of these loans was to commence after the 'Interim Period ' described in the Note in Section B ( 1 ) ( a ) as " ... approximately six months after the date the student borrower graduates. '' Additionally, according to Section D ( Terms of Repayment ), XXXX was required to send me a statement setting forth the repayment schedule on or before the date of repayment. ( See Section D ( 4 ) ). To date, no such repayment schedule has been received electronically or by mail. 

Further, I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX, New Jersey in XXXX of XXXX. Accordingly, as the 'School Period ' of the 'Interim Period ' had ended at that time, the 'Separation Period ' had thereafter begun. ( See Section B ( 1 ) ). The Separation Period should have lasted until XX/XX/XXXX under the terms of the Promissory Note described above. However, contrary to this agreement, without notice, XXXX began attempting to collect on full monthly payments in XXXX of XXXX. When I discovered that XXXX reported late payments to the Credit Bureaus in XX/XX/XXXX of that year, I immediately took action on my account and began repayment while also attempting to dispute the subject of this present Complaint directly with XXXX 

To date, XXXX has been unwilling to correct the clerical error that led to my account coming due before the agreed upon period and that ultimately led to the missed payments. XXXX XXXX failure to correct this error is also a violation of Section R of our Promissory Note ( Correction of Clerical Errors ). In closing, XXXX has acted in bad faith at every stage of repayment and the language of our agreement clearly shows that the 8 missed or late payments reflected on my Credit Reports should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
On XX/XX/2019 I was notified by XXXX XXXX that a new collection was added to my account by Midwest Recovery Service for an debt to XXXX XXXX XXXX for {$72.00}. This is not mine and I am trying to repair my credit to buy a home. Ive disputed with no removal. I want this false debt removed from all credit bureaus.

Company response to consumer: Closed with explanation