vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: JL Management LLC dba Advance Finance & Tax Service
State: GA

Complaint narrative:
I had a title loan with advance finance in XXXX ga. When i was unable to pay the payments they sought out a private individual not associated with me or my business with Advance Finance. Advance finance  then lied and claimed i had listed this individual as a credit reference. I have never used this person as a reference. Their claim is fraud. I feel my personal business was exposed with a fraudulent claim in an attempt recover a debt. I adressed these concerns to a man claiming to be the owner of advance finance who told me the federal law does not apply to him. He further claimed that there are state laws that supersede the federal fair debt collection act. I was amazed that a business owner would believe that federal debt collection laws do not apply to a title pawn business. This owner of advance finance then told me he had left a letter in XXXX georgia for me with a person he clained was my mother. I have no contact with my mother nor do i know her whereabouts. This letter supposedly contained personal information regarding my account. I do not have knowledge of any person associated with me currently residing in XXXX  georgia. I feel there have been multiple violations of the federal fair debt collection act commited by this compnay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent letters several months ago to Equifax, XXXX and XXXX   about inquiries I never ever sign for that's on my credit report. There has not been no response. I was told by an attorney the credit bureaus is not out to help you they are there to make money and make sure your score stays low. I am not sure how true that statement is but I have not received a response and the inquiries are still on my report. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX, XXXX 7. XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX 8. XXXXXXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XXXX, XXXX 10. XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Once again filing a consumer finance dispute because I have run out of options here. XXXX will not give my money back and as of today, XX/XX/XXXX, they have stopped providing services to their user 's who prepaid A YEAR IN ADVANCE. I have filed this with XXXX as well. 

On XX/XX/XXXX- I sent XXXX an email asking for cancellation of my service. I wanted to see Wreck It Ralph and tried to, but the service would not issue me a ticket. Furthermore, I just checked my XXXX   account ( I can for some reason log-in online ) and I requested the cancellation before my " attempt '' is logged on the XX/XX/XXXX. I never saw Wreck it Ralph on the XX/XX/XXXX. I tried to see it on the XX/XX/XXXX,  but it obviously did not work out as you can see by the provided request for cancellation email. 

Then we go through the same things as noted before, XXXX never responds, XXXX never reinstates my account after multiple requests. I paid {$110.00} to watch 3 movies a month. I have been able to watch two movies : Spiderman on XX/XX/XXXX and Wreck it Ralph on XX/XX/XXXX. On top of everything else, XXXX charged me fees on top of the {$110.00} I paid to see these movies. I have already joined the lawsuit for this portion. I requested my cancellation well before seeing being able to see any movie. The only correspondence I have EVER received from XXXX was to let me know that this is my banks responsbility and they are deactivating my account. All documents with dates are attached. I have 7 months of service left. I have been unable to use this garbage service and {$110.00} is not some small amount of money. I work hard and this is totally unfair. They scammed thousands of users. Please Citi help me out! I use credit cards for the protection, so why is Citi not protecting me? Thank you!

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 2019-04-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax and XXXX are not properly investigating dispute submitted by XXXX and XXXX XXXX when asked for the information they determine the validity of the credit items all they product was a letter stating that I owe a certain amount and not an itemized bill or even the initial contract with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX and Transunion are not properly investigating dispute submitted by XXXX and XXXX XXXX when asked for the information they determine the validity of the credit items all they product was a letter stating that I owe a certain amount and not an itemized bill or even the initial contract with the company.

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 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: GA

Complaint narrative:
I have XXXX serious Georgia serious commercial disqualifications on my motor vehicle report and I dont have CDL and never have had a CDL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent letters several months ago to XXXX, XXXX and Transunion about inquiries I never ever sign for that's on my credit report. There has not been no response. I was told by an attorney the credit bureaus is not out to help you they are there to make money and make sure your score stays low. I am not sure how true that statement is but I have not received a response and the inquiries are still on my report. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. Georgia XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX. XXXX Bank XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX NA XXXX 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 2019-04-26 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: GA

Complaint narrative:
I sent letters several months ago to XXXX, Experian and XXXX  about inquiries I never ever sign for that's on my credit report. There has not been no response. I was told by an attorney the credit bureaus is not out to help you they are there to make money and make sure your score stays low. I am not sure how true that statement is but I have not received a response and the inquiries are still on my report. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. Georgia XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX   XXXX 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 2019-04-26 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: AL

Complaint narrative:
I have notified both Experian and XXXX that the XXXX account that is reporting on my credit file do not belong to me. This account was open as a result of identity theft. Please assist me in getting this account removed from my credit file.

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 2019-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XX/XX/2019 revoked there authorizations to Ach payments on my account. There Ach agreements are deceptive. They don't want to cancel your Ach, so they make it almost impossible to cancel. Telling you there has to be an alternative payment method before they can cancel. That's not true. By law you don't have to give this to them to cancel Ach. By law An Ach agreement is invalid if there's no way to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
On XX/XX/2018, a debt collection agency called XXXX sent me a letter saying that I owed XXXX {$610.00}. The letter was dated for XX/XX/2018, I sent a letter back to them dated XX/XX/XXXX by certified mail thru the post office, disputing the validity of this amount owed. Once they received the letter, they took the amount owed off of my credit report within a few weeks. Now they have come back under a new name called Diversified Consultants, and have put the inaccurate amount owed back on my credit report. Diversified Consultants never sent me a letter or anything of that  nature to let me know that they have taken over the collection attempts of this account. I just happen to check my credit report yesterday and was surprised to see that they put this back on my credit report without the courtesy of contacting me by letter first. I believe that XXXX and Diversified Consultants are one and the same company. Just because they changed their name, they think that gives them the right to pursue this unjustified debt. This new collection attempt is fraudulent, and exceeds the limits of what is proper, fair, and is in total disregard of what is right and legal. This all started when my wife got basic cable in my name over my objections. She was late with the bill in my name, an they cut off services. We turned in the equipment soon afterwards and XXXX continued to bill us for service because they told my wife that we did not call them to tell them to terminate, what they had already terminated. So now nearly a year later, XXXX is back as Diversified Consultants, and expecting me to pay this debt. I need Consumer Financial Protection Bureau to come to my aid and fight on my behalf during this legal dispute. Thank you for your time and your patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent XXXX dollars to an individual, XXXX XXXX at XXXX, using XXXX via my Wells Fargo account. This individual promised two concert tickets in return for my money transfer. The tickets never arrived and the seller stopped communication abruptly once the funds were sent. After speaking with an initial Wells Fargo agent, I learned that XXXX account was with XXXX XXXX XXXX. Despite having an authorized XXXX account through XXXX XXXX XXXX, and despite the fact that Wells Fargos XXXX app verified that the name of the account I was sending the money to was in fact XXXX XXXX, both the banks and XXXX have shown very little intiative or interest in solving this issue. This is a clear case of fraud linked to a traceable account. Furthermore, I spent nearly 2 hours talking to multiple Wells Fargo agents who took my information down, put me on hold, and then disappeared for substantial amounts of time before the phone transferred to a new agent. The final agent filed a claim with zero interest in the details of my situation and would only take the basic information. I am very disappointed with Wells Fargos response to this issue. I was frauded on a service that they endorse and promote and make easily accessible to all customers as the most effective way to send money. The fact that they hold zero accountabiltiy for such a service and are unwilling to provide any assistance to long-standing customers in the aftermath of a brazen incident of fraud is disheartening to say the least. This circumstance showed zero concern on Wells Fargos end in regards to working to secure my trust and money and I can not in faith continue with their services unless so measure of concern and interest is shown to the situation.

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 2019-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a checking account with BBVA Compass on XX/XX/2018 with the offer Get {$200.00} when you open a new qualifying checking account and receive a qualifying direct deposit of at least {$500.00} within the first 60 days of account opening. I have regular direct deposit of {$500.00} and the first direct deposit was within 60 days of account opening. However, the bonus was never posted. For the past month, I called them twice. Both times the agent told me I was qualified and promised the bonus should be posted soon and will have their manager call me back within 24-48 hours. But the bonus was never posted and I never receive any call from them. I never met such bad customer service with any other bank. Every call wasted me more than half an hour waiting to be connected and then waiting the agent to verify. They gave promise which they never fulfill!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
XX/XX/2019 sent {$70.00} through MoneyGram to my son. He travels oftn so during the course of a month I have used this service over the last 2 years. 
Illinois to Illinois, pick up cash at any location He was told that the transaction was " invalid ''. 
I called and was told MoneyGram sometimes reviews transactions and this one was reviewed and cancelled. No Why. The rep just read from a script. He has no supervisor or manager that I could speak to and my money will not be returned for 10 business days. Why was it invalid? My money, I have a right to know why my $ have just disappeared for at least 10 days. Internet blogs seem to indicate that this is becoming a common occurrence since the appointment of a new compliance officer at Moneygram. 

Smacks of deliberate fraud. How much money passes through and is " held '' giving the customer no reason. Quite a large amount of interest to be earned by Moneygram. 
Something is really rotten about this whole thing. 
Authorization # XXXX Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
CD Issued XX/XX/XXXX for 1.35 % annually. CD for XXXX. XXXX percent time XXXX is XXXX interest. The CD matured at XXXX. Short XXXX. I called them XX/XX/XXXX and they have not returned a response. I called today, and got no where. CD is with SunTrust Bank, XXXX. XXXX XXXX XXXX, TN, XXXX. If they short every consumer then they make a lot of extra money. 

I do not have a scanner to I can not upload the documentation.

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 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: TX

Complaint narrative:
*CBA Violated/failed to respond per Texas finance 392.202. 
*Requested Debt Validation per Texas Finance code 392.202 on XX/XX/2019 and CBA treated my request as FDCPA ( The Fair Debt Collection Practices Act ).

Complaints, As of today XX/XX/19 CBA violated Texas Finance Code 392.202 1. CBA didn't provide the correct validation 2. Hasn't removed trade lines from all 3 credit bureau 's reports.

Please see the attachment for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: GA

Complaint narrative:
In an attempt to be responsible for my student loan debt, I enrolled in autopay with Great Lakes. A withdrawal was attempted from my account and I was charged an NSF. I understood that it was a consequence of the failed attempt and immediately scheduled payment so that the charges would not occur again. I contacted the company and informed them that I had made payment and was concerned about being charged again. I was told that regardless I would be charged two more times as a result of the missed payment. Great Lakes took the money I gave them for the monthly payment and continuously attempted to charge my account after I told them that I only wanted to pay the month 's payment that was due. This resulted in nearly {$90.00} in NSF fees being taken from my checking account. They have been unwilling to send me anything other than copies of their terms and conditions in response to my inquiry. The terms and conditions do not mention charging after being paid the amount due. It inconvenienced me to the point that I had to use another account to pay my bills and ask my financial institution to block them so that they couldnt charge my account. I am disappointed and upset that they were assigned to me as my loan servicer with such poor and apathetic customer service. I have attempted to resolve this issue with them throuh the XXXX XXXX  XXXX, but they sent this in response to my complaint : " Thank you for following up with us on behalf of Ms. XXXX XXXX. We understand Ms. XXXX would like to be reimbursed the fees assessed by her financial institution. Please know, Great Lakes has made every reasonable effort to address Ms. XXXX request for reimbursement. Although we acknowledge she disagrees with the determination, Great Lakes position on Ms. XXXX request will remain unchanged. Ms. XXXX is responsible for the fees assessed by her financial institution in accordance with the terms and conditions of electronic payments toward her account. If Ms. XXXX has additional questions or concerns for Great Lakes, she may contact our Borrower Services Department by telephone at ( XXXX ) XXXX-XXXX ( Please note, some calls may be monitored or recorded for quality assurance purposes ), by email at XXXX, or by mail at the address below ... ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$28000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$490.00} XXXX/XXXX   XX/XX/XXXX {$3100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have notified both XXXX  and Equifax that the XXXX account that is reporting on my credit file do not belong to me. This account was open as a result of identity theft. Please assist me in getting this account removed from my credit file.

Company response to consumer: Closed with non-monetary relief