vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 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: Prizm Financial Company, LLC
State: MI

Complaint narrative:
I purchased a car through Prizim Financial ( in XXXX, Ohio ) back in XXXX with a co-signer ( my mother ). I was the main leaser on the vehicle. I turned the vehicle in for a voluntary repossession after an accident and the company refusing to work with me to get another vehicle. The woman working there called my co-signer asking about the next payment and never contacted me. My co-signer and her had a bad conversation to where the woman said she would not accept any further payments on the vehicle and if it defaulted she would pursue garnishment towards me and my co-signer. When I called in to speak with her she refused to speak with me. My co-signer was then issued a garnishment letter as so was I ( I was working part-time and ungarnishable based on wages ). When I tried to speak to the lawyer over the case ( XXXX XXXX ) he refused to offer any settlement or set up a payment arrangement, stating that his client did not want that and suggested bankruptcy. When the car was turned in there was a balance of {$3000.00} left on the vehicle. My co-signer has since become chronically ill and unable to work and I was recently in 2019 issued a garnishment letter at my new employer ( where I still work part-time ) out of the state from where I purchased the vehicle, and the balance reflects {$6100.00}. It appears as if the garnishments never paid anything. When reaching out to the lawyer I still have not received a call back. When calling the car company to speak to someone about this again even though it has been years later, I was told " yea that sounds like something XXXX would say. '' When this initially happened I was considering bankruptcy but did not have enough debt to file ( and I still do not ), and the lawyer told me that he used to work for the company and decided to stop working for them because they did this so often, and since being a bankruptcy lawyer has dealt with so many cases from this company around the same issue. I'm not sure how this can be resolved when not even given the option to make a payment, and being refused to be spoken to when I was the main person on the account. After reviewing this company they have several complaints with the XXXX XXXX   XXXX regarding unfair lending practices, a 1 star rating as well as a 1.5 star rating on XXXX and various same complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
For the last year and a half, I have been trying to get a completed copy of my credit file from Equifax. They will only send me a copy of the results from my dispute. They have refused to send me a completed copy of my credit report. I have called many of times informing various Equifax representatives that I am unable to access my report online. Only for them to tell me that there are no collection accounts on my credit file. I have asked to receive a complete copy of my credit file and was told it will come in the mail. It never came in the mail. My last call to them I informed them that XXXX XXXX is reporting 3 fraudulent collection accounts on my credit file. I was told by the representative that these accounts are not showing on their end. I believed them. They also told me that they will escalate a ticket to see why I can access the online report. It keeps telling me my information is not correct. Well, I was finally able to log in yesterday. The 3 accounts that were showing on XXXX  XXXX  are on my credit report and the Equifax representative all led to me when they convinced me that the XXXX XXXX report was outdated or incorrect. I feel that this is unethical and downright illegal to tell me its not on my file so that I can't dispute it as I did with the other 2 agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 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: FL

Complaint narrative:
There has been a new company called XXXX XXXX that has been posted on my credit with falsified information. My identity was stolen and I have Been battling identity theft for years. XXXX XXXX Is a false collection with false information that is NOT mine and needs to be removed from my credit. XXXX XXXX Information balance is  {$140.00} and was posted XX/XX/XXXX 16

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 2019-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, American Express requested a {$200.00} payment from my XXXX checking account. On XX/XX/XXXX, American Express charged me {$27.00} for a returned payment and I was also charged a fee at XXXX. My XXXX representative and I called American Express to request if they could stop automatically sending requests to my bank account, because each time this happened without sufficient funds, be it for {$1.00} or {$100.00}, I would be getting charged fees on both ends. My XXXX rep was willing to work with me, while American Express was not. 
American Express communicated that requesting payments from my bank was out of their control because it occurs automatically and there is no way to stop it. Customer Service at American Express claimed that it was unable to involve itself in the process. 
American Express made no attempt to help me with this, and as a result, regardless of how much the amount could be, I would potentially be charged multiple times by my bank because American Express claimed that it has no control over a system that is automated. My bank was willing to work with me for these charges, but American Express, who could have worked to prevent these payment requests from recurring, was not able to offer any other solutions. 
Just to illustrate, let 's say that the payment request to American Express is {$1.00}. If I have a negative balance of - {$2.00} at my banking institution, and they reject the merchant 's request, I would still be charged {$27.00} at American Express. Even if escalated, based on what the customer service rep communicated, they would not be able to stop the future merchant requests for {$1.00}, no matter what.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/2019, Paypal sends me an email that they are about to close my account and hold my funds for 180 days. I asked them for reason, but they are not answer the question. The reason i am using PayPal is to sell some kinds of stuff that were not about to use or send money to my friends. However, the things that I sell have great feedback and did not have any disputes. Paypal try to shut down my account and my funds for 180 days. I try to contact them and they hung up on me. Also they were rule went i try to tell them that i did nothing wrong with their service. Please help me out, I need my funds back to pay for rent and future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX  T:XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX  Fax : XXXXXX/XX/XXXX COMPLAINT BY DECLARATION RECEIPIENTS : NEW YORK STATE DEPARTMENT OF CONSUMER AFFAIRS ; SANTANDER BANK N.A. XXXX XXXX XXXX XXXX, PA XXXX ATTENTION NEW YORK STATE ATTORNEY GENERAL, XX/XX/XXXX SANTANDERS BANK N.A. was notified for UNAUTHORIZED USE of my debit card transactions by an unknown person ( s ) using an ALIAS XXXX  account. Under article 15 U.S.C Sect. 1602 ( 0 ). Objections were made ; significant evidence was produced and entertained by the authorized Bank Managers, located XXXX XXXX XXXX XXXX, NY XXXX as instructed by the Bank Investigative authorities. I, Mr. XXXX XXXX  derived no benefits from these transactions, nor do Mr. XXXX XXXX hold or ever has owned a XXXX  ACCOUNT.

Attached are the exhibits disclosing fraudulent activity SANTANDERS BANK refused to acknowledge and complete a full investigation. SANTANDERS unfairly placed derogatory credit reports on my SOCIAL SECURITY number thereby obstructing my CIVIL RIGHTS to obtain another Bank account from a more reputable banking provider.

SANTANDERS never authenticated any of these transactions before or after the accounts were initiated.

Fraud minimization was never implemented ; allowing electronic funds transfer without notifying their client of irregular activities on the account.

The Bank refused to review the 100 of pages of evidence submitted as proof fraud, signed affidavits, and multiple written reports.

Exhibit II : Second complaint is incorporated and attached stating the unauthorized theft of monies from the account by Attorney XXXX XXXX, Esq.

Always faithful, Mr. XXXX XXXX, VETERAN XXXX Enclosure

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 2019-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, i purchased a dress from XXXX with the amount of {$86.00} and i paid off the balance next day at local XXXX XXXXs store. After two weeks, i returned the item and ended up have negative balance in my store credit card and my statement. I then did not make new purchase until XX/XX/XXXX. I always noticed that i have a negative balance in my account. I already tried to call the company more than three times and they always told me that i should receive a phone call from their back office regarding to my balance. The customer service agent told me that they had mailed out a check in XX/XX/XXXX and it had cashed out. But i never the check. They do not have an estimate date when the back office personnel will call me and they do no have a phone number of their back office which i will never know when should expect the call. They told me to call every other week to follow up my case. Which i did, but i never receive any updates. What they told me was they are still follow up my case. I am tried of getting the same answer.

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 2019-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I co-signed on my husband 's student loan with XXXX, when he graduated the loan was transferred to Firstmark Services. Since Firstmark Services has received our loan, we have had nothing but trouble. They tried to make us make a payment prior to the end of the 6 month grace period, they provided incorrect information to both me and my husband on separate calls. Furthermore, after my husband made a payment by phone in the amount required by the caller, I received collection calls stating that we still had a past due balance. After multiple requests for a break down of the payments, I still have not received such information. Now again, after making a payment, we logged into our account saying we have a past due balance. 

We enrolled in interest only payments in XXXX, but have consistently received statements requiring principal and interest payments. Based on our XXXX statement, interest only payments should be around {$170.00} ( give or take a dollar or so ), but the current amount due shows {$280.00}.

Loan 1 Principal Balance {$15000.00} Interest Rate 11.49 % Daily Interest {$4.00} XXXX Daily Interest * 30 Days in the billing cycle = {$140.00} Loan 2 Principal Balance {$2900.00} Interest Rate 9.44 % Daily Interest {$0.00} XXXX daily interest * 30 Days in the billing cycle = XXXX  Total Interest Only Payment for Loans 1 & 2 = {$170.00} This company violates the UDAAP by not producing the documentation to support the payments they are requiring and demanding more than what should be due. Looking at the XXXX reviews, I can see this is common practice with this company. I feel as though they are taking advantage of their customers. If we weren't so thorough with our bills, their deceptive acts would have caused us to over pay twice since XXXX. My husband and I just had a baby and are not made out of money, their abusive acts could have caused substantial injury in our lives. Please feel free to contact myself or my husband if you require further details regarding my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: GA

Complaint narrative:
An account with XXXX XXXX XXXX XXXX was placed on my credit file on XX/XX/XXXX and its been on my file for 7 years. I requested for this item to be removed from my credit file on XX/XX/XXXX. And I received an alert from Experian on XX/XX/XXXX stating that the account will remain on my credit file. According to the Fair Credit Act Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

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 2019-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
We wire-transferred US {$150000.00} on XX/XX/2019 from XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX NY to Wells Fargo Bank NY for payment to our affiliated company in New York. 

We subsequently found that the wire-transfer was a fraud as our affiliated company in New York does not maintain any account with Wells Fargo Bank NY. We therefore instructed XXXX XXXX XXXX ( NY ) to stop the wire-transfer on XX/XX/2019 and obtain refund. 

Wells Fargo responded on XXXX XX/XX/2019 that it had reported the matter to its Fraud Department, but was unable to refund because there were no funds available. XXXX XXXX XXXX XXXX XXXX XXXX sent another enquiry on XXXX XX/XX/2019 asking for more information. Wells Fargo further responded that payment of the subject international wire-transfer had been effected on XXXX XX/XX/2019 under its reference XXXX despite the name and account did not match. No funds remained and they closed file. 

We consider it the responsibility of Wells Fargo to match the name and account of the beneficiary before releasing the funds of the international wire-transfer. Wells Fargo is also responsible to refund the fraudulent payment to the remitter and to compensate the losses so incurred, because it had failed to act professionally to avoid paying the wrong party when handling international wire-transfer.

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 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have been having problems convincing SLS Loan servicing Co. that i am no longer responsible for my loan since 2016, when a shady 2nd mortgage company purchased my 2nd from a bankrupt loan company and lay stealth without me being able to Negotiate or Communicate with them,, They inflated the loan amount and fees from XXXX to XXXX pay off,, then they wanted me to pay a unreasonable amount to reaffirm my loan to get it currant status ... in which they foreclosed on me,, a trust deed sale to posses the home, The kicked me out, XXXX Then on top of that they never paid the first which was SLS,, And the 2nd mortgageCo. XXXX XXXX.. Then pay my payments late every other month 18 times since 2016, They never Contact SLS,, I sent numerous Times To SLS all the Court /auction paperwork, And SLS   KEEPS ON PUTTING Derogatory s on my credit Reports,, For Years, Help me ... Please.. Thank You XXXX 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 2019-03-21 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: IL

Complaint narrative:
Purchase a 1 year Service contract with a merchant in XX/XX/XXXX. Contract ends in XX/XX/XXXX, and merchant locks my account and disable me to get access to the service that I purchased. Submitted evidence to Chase to reopen my dispute. Yet, Chase ignore all the evidence that I submitted while provides NO EXPLANATION or FEEDBACK! They just closed my dispute case without any communication!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MI

Complaint narrative:
In XX/XX/2018, we were contacted by XXXX XXXX XXXX XXXX XXXX about a debt of {$150.00} to XXXX XXXX. We explained to them that it was not our debt. After a discussion with an extremely unpleasant gentleman, it was made evident that my son ( with the same name as mine ) was responsible for the debt. The gentleman demanded that I give him all my son 's personal information. I could not, for two reasons : 1 ) My son and I have been estranged for several years ; I did not have the information. 2 ) This company fosters and nurtures all that is evil and disrespectful. I have never witnessed such contempt, harassment and threats against me and my credit as I did from this company. Because I couldn't give him the information, he put it on my credit report as my debt, with the full understanding that it wasn't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We had a loan with chase, and we ended up in pre foreclosure. They started the foreclosure process, but we sold it before it was finalized. XXXX county public documents show we sold it to an individual. Foreclosure is defined as sold at auction. But this did not happen. We sold it before hand. But on our credit report it says foreclosure paid. Which is not the case. We have contacted them, and they will not remove or reword it correctly. So as we are trying to get another house 2 years after the fact, it is being denied due to a foreclosure. We need this removed from our reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Omega RMS, LLC
State: MS

Complaint narrative:
I called XXXX and asked them what my bill was gave them my card and paid them. A week later I am in collections with a collection company and I dispute it XXXX tells me all i need to pay is XXXX to restore service I have never gotten a bill to justify the debt since they said they would send it and never did. Another week later I hear from another collection agency this time saying that I owe over XXXX and to pay them immediately. I do not have a contract with this company nor do I owe them any money. I am still waiting on a proper bill today I receive a bill this time its in my husbands name and he has not owed nor had an account with XXXXXXXX in YEARS its like they look for names of people and send a bill. My husband does not have a contract with XXXX and if they are doing this to me the consumer they are doing this same foolishness to other customers. One account with different names then one account with three different numbers one account without a signature for the contract they are billing whomever and whatever to make profit off anyone in the household.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
New account was placed on my credit report in XX/XX/XXXX by Commonwealth Financial Services. I noticed the account and sent the company a certified letter on XX/XX/XXXX requesting information about the debt. It was signed for on XX/XX/XXXX. I never received anything from them. On XX/XX/XXXX, I disputed the debt with XXXX   as no knowledge of the debt and it came back as verified on XX/XX/XXXX. On XX/XX/XXXX, the account was closed on my credit report, but still had a balance of {$1700.00} and I filed a complaint with the XXXX  that day. Today, I received an alert that a new collection account would be going on my credit report under the name XXXX. I looked up the account and discovered that it is XXXX XXXX XXXX. I don't even know this debt is for and the company has failed to provide me with any information before or after they placed collection accounts on my credit report.

Company response to consumer: Closed with explanation