vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
I was contacted XX/XX/XXXX regarding a debt that they said was owed from XXXX XXXX from XX/XX/XXXX. I moved from an address in XXXX, MA on XX/XX/XXXXand at that time disconnected my XXXX XXXX service and paid off my bill for {$500.00}. The lady on the phone could not tell me my last payment or when I disconnected service. I called XXXX XXXX and they told me to call back the collection company. I have not received a phone call, bill, or letter from anyone since I moved and disconnected service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX I contacted NCB Management Services and inquied about a debt that 's being reported on to my personal credit report. I spoke to a XXXX XXXX, XXXX ext : XXXX and supervisor by the name of XXXX XXXX. I requested that theyprovide me with proof of debt and a legal binding contract with NCB Management Services that I have signed. I explained that I have never signed anything document that gives them the right to report to my credit report. I even asked for them to prove that they are legally bonded in the State of Florida to collect debt. I was told that they are not required to provide such information. They stated that they will mail out a dispute letter. All these questions were left unanswered. They kept asking how do I plan to resolve the debt. They were not helpful at all and very evasive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation
State: WA

Complaint narrative:
I had recently found this collection amount in my credit report it says 9 months ago from XXXX XXXX XXXX in Texas. I live in the state of Washington. I have not signed up for anything regarding to my credit within that time. Ive dissputed it multiple times for it to be the same. Ive reached out to the company online and telephone to ask what the collection was and they dont answer at all. They take me to a operated machine that says leave a voice mail. Ive got no call backs, no email replies. Ive read on the XXXX XXXX answers and question from other people that this business is a scam who is using its company to collect money from people and I am concern that this is effecting my credit when I dont owe anything!. It couldnt be my school loan because I have a forbearance on it since I wasnt employed and afford it at the moment. Theres no other possible loan I owe besides that. Ive been calling for months and they have NEVER reached out to me to tell me I had this collection like other companies do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX I signed up for an account with XXXX at XXXX and linked my TD Bank account to auto debit {$200.00} each money into my XXXX investment account. On XX/XX/XXXX, the last of the {$200.00} deposits were transferred. Since that date, XXXX is claiming that TD Bank is blocking the linked auto debit. I have received two noticed of the issue with TD Bank from XXXX over the past 2 weeks. I spoke with 3 different departments at TD Bank today, XX/XX/XXXX and was told that there is no indication of a block on my account and that XXXX has not attempted to retrieve. This is incorrect according to XXXX and the auto notifications I have received from them concerning the blockage of transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I logged into my Amerihome Mortgage online account and entered 8 payments. I received confirmation numbers for each payment in separate emails. On XX/XX/XXXX I noticed that only one payment was debited from my bank account. I called Amerihome Corporate office and was transferred to customer support, who told me that although I had payment confirmation numbers, only one payment would be processed and the others were canceled. I was allowed to enter these payments and I did not receive emails about the cancellations. I then asked for and received payoff information and was told that I would receive a fax with the same information within two hours.After two hours I called back to see where my fax was and requested an email with the payoff information as well. I was told the email would arrive within 24 hours. It has now been 24 hours and I have not received either the fax nor the email. I do not trust Amerihome and would appreciate cfpb involvement so that I can payoff my loan.

Also, the information about my loan on the Amerihome website is incorrect, showing incorrect interest and principal amounts.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We had leased phones from XXXX/CIT Finance LLC located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX on XX/XX/XXXX. 
We were always in good payment standing. In XX/XX/XXXX, we downsized from our storefront XXXX XXXX to a 5th-floor space. We also downsized our employee force to meet ends. When we interrogated the new leasing agents for the phone installation, they informed us that their building did not have wired phones but only digital phone connections. I went back and told the company to take the phones back and cancel my account. They keep insisting that I have to pay for 60 months. It clearly says, the XXXX, CIT Finance LLC are authorized to purchase the equipment but they told me they can not. I see it clearly mentioned in the contract. I went to their legal department to cancel this account and take the phones back, they informed me that the only time they will do that when you business structure has changed. I told them, my business structure did change. I downsized and the new building and ALSO does not support wired phones from CIT. All of a sudden, they said that is not enough reason to cancel the account. 
I have already paid {$2900.00} for 34 months until XX/XX/XXXX. The original lease was 60 months at {$86.00}. They invoiced me for another $ XXXX-Total buyout with equipment keep. 

This is not fair. They need to take the equipment back. 
Kindly resolve this matter as we do not need the phones and we paid them enough already. This contract and terms are very ambiguous. 
Best, XXXX XXXX XXXX XXXX XXXX Tax ID # XXXX New Address-XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust Failure to properly close personal checking account resulting in bank fees {$630.00} 1. Started approx XX/XX/XXXX with unauthorized charges on my personal checking account ... I filed written statement of unauthorized debit with my branch and all funds were returned to my account. 
2. These unauthorized charges continued until I closed the account on XX/XX/XXXX. 
3. The Suntrust rep promised me that the account was closed, after I opened a new account with Suntrust ( on XX/XX/XXXX acc't had XXXX balance ). 
4. More unauthorized charges continued on old account until someone at work recommended I go to another branch. The first thing the rep at the other SunTrust branch did was block the old account on XX/XX/XXXX. 
5. On XX/XX/XXXX Suntrust debited my new account {$770.00} stating I owe the bank for fees from the closed account. 
6. I contacted the Suntrust Client Advocacy Resolution Dept and after one month the full amount {$770.00} was returned to my new account. I thought this matter was finished. 
7. On XX/XX/XXXX Suntrust debited my account for {$630.00} claimed these were fees not unauthorized charges ( Right to Offset ) On XX/XX/XXXX I returned to the Suntrust branch and spoke with branch manager and was told she would be back in touch. I never heard from she again. 
8. I tried contacting the Suntrust Client Advocacy Resolution Dept again, but until today no one has returned my calls.

9. I am a military ret and need the money to finish the XXXX XXXX I had started.

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 monetary relief
Consumer complaint received 2018-01-24 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
My husband was buying a car an without my permission they ran my credit. It was not me buying a car and i told the company XXXX XXXX i did not work an dont run my credit., but evedentlly they did it any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX and inquied about a debt that 's being reported on to my personal credit report. I spoke to a XXXX XXXX, XXXX ext : XXXX and supervisor by the name of XXXX XXXX. I requested that theyprovide me with proof of debt and a legal binding contract with XXXX XXXX XXXX that I have signed. I explained that I have never signed anything document that gives them the right to report to my credit report. I even asked for them to prove that they are legally bonded in the State of  Florida to collect debt. I was told that they are not required to provide such information. They stated that they will mail out a dispute letter. All these questions were left unanswered. They kept asking how do I plan to resolve the debt. They were not helpful at all and very evasive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
they call non stop and now have contacted a friend of mine. I have no idea how they got his telephone number, but said they were calling for me to collect a debt. I also paid them in the past and they still call and say it 's not paid. it is XXXX and they called from 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 2018-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
In XX/XX/XXXX i obtained my credit report and found several incorrect information. Among these were the account listed with XXXX XXXX credit card. In late XX/XX/XXXX i sent a letter to all three credit bureaus requesting a letter of validation of debt. Neither one responded. Late XXXX i sent in a second letter of validation, which i have verification that they all received my second letter on the XX/XX/XXXX. Neither one has responded. XXXX XXXX has threatened to garnish my federal tax refund for a debt i did not approve, make, or do. They have not validated this debt. My information has been compromised and they have yet to prove that I am legally responsible for this debt. I get several calls from them DAILY!!!! I have spoken to a woman in the fraud department, XXXX, and her response was to email the fraud department. I emailed the fraud department and i have yet to receive a response. This has caused an emotional stress on my health dealing with this company. No one can give me answers why and how my information was stolen to open this credit card, yet they can call, harass me and threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I paid flying travelus {$970.00} using my PayPal credit card on XX/XX/XXXX for a travel ticket to XXXX from XX/XX/XXXX and returning on XX/XX/XXXX. I didn't get the ticket and I contacted the agent and I was told that PayPal refused to pay them. 
The agent gave me a XXXX XXXXXXXX XXXX account to make a deposit of {$950.00} into their bank account on XX/XX/XXXX. After, making the deposit, the agent didn't deliver on our agreement. After 7 days of constant calling to the agent, he sent me a XXXX airline ticket that was later cancelled the next day. I contacted PayPal on XX/XX/2017 and told them to cancel the transaction because the seller couldn't deliver on our agreement. 
I received a letter from PayPal that they would need more evidence because the seller submitted evidence that he delivered the transaction. I sent the cancelled XXXX airline ticket to PayPal plus other fake tickets that the seller sent to me and a Bank slip that I later deposited the cash to the sellers company 's account at XXXX   XXXX XXXX in XXXX XXXX, NY. 
I received a second email from PayPal that they would deny my claim because they could not find any misrepresentation with the seller. I called them and asked them to contact delta airline if they would like to know if I am telling them the truth. I was told to submit a police report after I told them that I had reported it to the XXXX first precinct. 
I sent PayPal the police report plus the fake ticket and my new purchased ticket on XX/XX/2017 before I travelled to XXXX on XX/XX/XXXX. I got an email from XXXX on XX/XX/XXXX while I was still in XXXX for my wedding that they are denying my claim after their investigation because they do not see any misrepresentation with the transaction. 
I can not understand what they mean after all the evidences plus police report instead they went ahead and released payment to the seller for a transaction that they didn't deliver plus i had already deposited the money to therheir bank account for the same transaction. Now, PayPal is expecting me to pay for a transaction that I didn't receive plus I had lost {$950.00} by making the deposit into their XXXX XXXXXXXX XXXX account and now {$970.00} for PayPal. The claim number is XXXX with PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-24 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:
In XXXX I disputed XXXX with XXXX, XXXX, and experian. XXXX and experian said the debt was found to be valid, but XXXX deleted the item from my credit file. When I informed the third party debt collector, they removed the item from all 4 of my credit files. The debt has been found to not be valid. The item needs to be removed from my credit history. Please see supporting documents and remove the item from my credit files.

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 2018-01-24 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Reopening case # XXXX with additional proof. Please see attached the online pdf excerpt of my latest bill, which I sent to the customer service rep ( and which she ignored ). Please see the date stamp and compare to company 's. Claim was that I had a past due amount but my view of my online activity showed none. I sent an email to customer service with this copy and no one replied.

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 monetary relief
Consumer complaint received 2018-01-24 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: Byrider Franchising, LLC
State: TX

Complaint narrative:
This, car was not working correctly since I got it from the lot. I took it in a few times for service and the engine light was always on. I had to return the car back due to all the trouble it was giving me and I was paying more out of pocket to have a mechanic fix it. The car was returned and I am still getting billed for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: WI

Complaint narrative:
Receive calls daily from different phone numbers belonging to XXXX XXXX. I have asked three times for them to stop. They want someone who does not live here and is in fact deceased. The person apparently provided my phone number. I am not related to this person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
cra violation XXXX breach has destroy my life again not my scores are so low i cant do nothing new accounts that are not mine so many inquires sent the police report of fraud and Idtheft gov need this to be taken care of asap

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 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
cra violation XXXX breach has destroy my life again not my scores are so low i cant do nothing new accounts that are not mine so many inquires sent the police report of fraud and Idtheft gov need this to be taken care of asap

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 2018-01-24 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: Credit Plus Inc
State: GA

Complaint narrative:
I have received a copy of my credit report and realized I have an inquiry from Credit Plus and I did n't apply for anything dealing with their company, nor do I have any of their Products for their company. I could not reply to them directly because I do not know how to get in touch with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I was blocked by TD Bank to transfer money to my XXXX checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I posted my complaint on the Experian website, letting the company know that I did request my FICO score at the cost of {$1.00} and I DECLINED to sign up for a membership for continuing access to the score. That was in the first week of XXXX. On XXXX XXXX, 2018, Experian used my debit card information to charge me {$21.00}. So I tried to call the company. It was very difficult. The first two times I provided the information requested ( soc.sec. #, etc. ) the automatic system said it did " not understand, please enter your social security number '' After going through that three times the call was disconnected by Experian. Then I called a different number I found posted and finally got through the I.D . part of it. Then I got two options : Press One for membership information, Press Two to register a fraud. There were no other options. I called again, went through the I.D . business  and got the two options. My wife said to select One, membership information. Then there were some choices presented and I selected " billing question. '' What I heard after that was another recorded voice telling me " you 're expected wait time is more than 30 minutes. '' So, I sat there for nearly a half-hour, listening to all of the great services Experian could provide me. Then the call was disconnected. 

I did go back to the site and " cancelled '' my " membership. '' Do n't know if that will work. 

Please let me know how I can get my money back. It 's not just the cash I am concerned about. I felt ripped off and resent it.

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 monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
I wired {$24000.00} to XXXX Coinbase Inc. on Monday XX/XX/2018. Anticipated time-frame 2-3 days for funds to arrive. I submitted a Support Case on Friday XX/XX/2018. On XX/XX/2018 I found an " Escalation form '' for Delayed Wires and re-submitted relevant information. As of today, XX/XX/2018 ( 13 business days ) I have not heard any response from them.

Company response to consumer: Closed with explanation