vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I called Wells Fargo on XXXX XXXX of XXXX. I asked them to close all of my accounts because they hold my larger checks for 7 full days and this is HARSH on  the cash flow of a small landscaping business. 

PROBLEM # 1 - THIS OLD DELAYED BANKING SYSTEM SUCKS. WE HAVE PUMPED BILLIONS INTO COMPUTERS. THIS DELAYED SYSTEM IS ABUSE OF SMALL BUSINESS TO THE GAIN OF ONLY BANKERS. 

When they closed my accounts, I asked them clearly to " Stop any and All Outgoing Payments. '' They clearly agreed. Then I found out that they kept paying automatic payment requests and are charging me overdraft fees as well! 

I asked them to stop ALL PAYMENTS. Do not pay any automatic drafts. Pay nothing ever again!. I told them I had a lot of things coming through that account and that it would take time to get it all corrected, and that I would do it. 

PROBLEM # 2 THEY LIE, STEAL, CHEAT, and BREED GREED. 

They also told me when I closed my accounts that I would have access to my digital records. The day I called and complained, they locked me out of my records and put me in collections. Now I have to do business taxes from a PDF! That is going to cost me a fortune in labor!!! 

PROBLEM # 3 : THEY LIE, STEAL, CHEAT, and BREED GREED. 

I attached the statements. It show some deleted charges, but when I call, they still say I owe the negative 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 monetary relief
Consumer complaint received 2017-12-09 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: OH

Complaint narrative:
Around XXXX XXXX I submitted disputes to all 3 credit bureaus asking them to verify my debt. Around XXXX XXXX or XXXX the only thing I got back was that they verified that with no proof I called all 3 credit bureaus and asked how did they verify it and where is the proof such as a contract I signed contract anything indicating that in fact this was my debt. They told me we contacted the companies I 've been explained the companies never sent me anything so I demanded that it be deleted they told me they would not do that

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Professional Debt Mediation has sent me a notice to collect a debt in the amount of {$4700.00}. This collection agency is not licensed for business in Florida, nor are they registered with the Florida Secretary of State ; therefore can not attempt to collect any debt in Florida. Please remove this account from my credit reports immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Security National Automotive Acceptance
State: TN

Complaint narrative:
In XXXX XXXX I purchased a XXXX XXXX avenger. I financed the vehicle through a company called snaac. A few months later I had already started to have some issues with my payments, they said I had insufficient funds within my account but when I viewed my account there was money there. So I paid what I need it to pay to catch back up on my normal payments. Months after that this same thing happened in months after that the same thing also happened all the way till now XXXX XXXX. But at this moment they repossessed my vehicle and once again say that I had insufficient funds within my account but that wasnt true coming from XXXX XXXX. Maybe federal viewed my statements online from the day I got my car till now they told me that snaac didnt even try to an attempt to take or collect the money from my account there was no proof of it and when they did take out the money that it was random and random amounts which was not in the contract and or agreement. I also remember saying on the phone with this company for my payments to come out on the first and 15th numerous times it would come out on the first but on the XXXX there would be no water but instead a later date they would get that money out of my account like the XXXX Way past the date that was set on the agreement. So last night XXXX XXXX my vehicle was repossessed and I had no mail or anything saying that my vehicle was going to get repossessed only a letter stating that my payment is being processed. Both on the phone and face to face XXXX XXXX stated this seems very shady from this company and very much to me seems like a rip off. This happening to an XXXXXXXX member Is a no go in the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: OH

Complaint narrative:
Around XXXX XXXX I submitted disputes to all 3 credit bureaus asking them to verify my debt. Around XXXX XXXX or XXXX the only thing I got back was that they verified that with no proof I called all 3 credit bureaus and asked how did they verify it and where is the proof such as a contract I signed contract anything indicating that in fact this was my debt. They told me we contacted the companies I 've been explained the companies never sent me anything so I demanded that it be deleted they told me they would not do that

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 2017-12-09 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: OH

Complaint narrative:
Around XXXX XXXX I submitted disputes to all 3 credit bureaus asking them to verify my debt. Around XXXX XXXX or XXXX the only thing I got back was that they verified that with no proof I called all 3 credit bureaus and asked how did they verify it and where is the proof such as a contract I signed contract anything indicating that in fact this was my debt. They told me we contacted the companies I 've been explained the companies never sent me anything so I demanded that it be deleted they told me they would not do that

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 2017-12-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MNE Services, Inc
State: AZ

Complaint narrative:
I make XXXX payments to assist in paying down the loan faster. In the past, I had XXXX as a lender and made XXXX payments for 2.5yrs. I see the XXXX XXXX reduce in comparison of making monthly payments. 

I sent a partial {$700.00} payment on XXXX/XXXX/XXXX via ACH, after the cycle date. The payment cleared my bank account. The payment was suspense and returned on XXXX/XXXX/XXXX, which I received the returned funds back. 

I sent a second partial {$700.00} payment on XXXX/XXXX/XXXX via ACH, making my XXXX payment whole of {$1400.00}. The payment cleared my bank account. The payment was in suspense and returned on XXXX/XXXX/XXXX. 

I called XXXX Mortgage on XXXX/XXXX/XXXX. Asking if they can just hold the second payment in XXXX of re-processing the {$700.00} to make the account whole. I was advised by the agent the account will be forward to specialize for review and to follow up in couple days On XXXX, I called back to follow up on an update of the payment I asked to hold since I was going to re-process another {$700.00} to make the account whole. The agent advised the XXXX/XXXX/XXXX payment was returned and I will receive the funds in 7-10 days. I was advised about the partial payment procedure. 



.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: MNE Services, Inc
State: NE

Complaint narrative:
XXXX XXXX from XXXX of XXXX called me claiming I owed a debt, which I do not, from an online loan. He began calling my work number and then continued to call the main switchboard at my work after I told I would not pay a fake debt. He called over 100 times in 20 minutes and brought down our phone lines. We are a XXXX so this can not happen. They continue to call from an unknown number which our IT dept can not block.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I started paying back money I owe to a company the collection agency ( Transworld Systems , Inc. ) was working on their behalf. I still owe one more payment ( {$57.00} ) when the collection agency disguise themselves as a contact from my personal cell phone list. It appeared as a work number from one of my friends. When I opened it, I recognized the number from collection agency. It began on XXXX XXXX to the present.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
On XXXX, I took out a loan with Big Picture Loans in the amount of {$800.00}. On XXXX and XXXX I made two separate payments of {$320.00} each, on time. My loan is current. In XXXX, I filed a complaint with CFPB. Big Picture Loans offered me a settlement in the amount of XXXX however ; this settlement did n't not include my previous payments made totaling in {$640.00}. Also, on the site, my account was placed in Past Due status and all other information was removed. When I inquired about this with one of their representatives by phone she inform he me that my account was being handled by another specialist branch of the company and could n't give me any information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advanced Collection Bureau, Inc.
State: PA

Complaint narrative:
My account was referred to a debt agency which I reached out and attempted a settlement. The debt is approximately {$4600.00}. Upon speaking with the first agent I was told a settlement of 70 % of the debt would release liability for one party but the other party on the debt would remain responsible for the remaining balance. I did advise I would call back when I had the funds available. During the time ( less than XXXX weeks ), I received multiple phone calls on my cell phone which I did not consent to but never left a voicemail I can only furnish the phone logs, when advising the agent of TCPA laws i was advised in Florida they do not have to adhere to those laws. I continued to ask about the settlement in my last call and was advised it was never guaranteed and the " manager '' XXXX XXXX is declining a settlement. I asked the representative XXXX XXXX to pull the phone call from my original attempt and she advised me they do not record their calls and her peer is not a liar in her documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I got a new car in 2016. I had a 72 month note. Months later I paid a lump sum on the note because I am retiring in less than 2 years. After I paid the lump sum my date to pay off the car went from 72 months to about 24 months. I will have my car paid off in 13 months as of now. However, I missed a payment 2 months ago. I told them I was having medical issues and I will hopefully catch up on the missed month as soon as possible. I reminded them that I had paid a lump sum to cut down the time of the car loan and I did n't think I could be behind on my account. I literally took 5 years off my account so how could it be behind. I have n't missed another payment. I have now received a letter stating that adverse actions would be taken if I did n't pay the missed amount. Also, my account is now saying I am 3 payments behind when I only missed one. I am not missing another payment but this does n't sound legal. It seems the closer I get to paying off the car the more the company harasses me. The company did n't recalculate my payments after I paid most of the car off but they are threatening me for missing a payment. What do I need to do and how can they do this when the account is 4 years ahead?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES -- Opened XX/XX/XXXX ( 4 yrs, 5 mos )  Account status -- Open Responsibility - Individual Original Creditor Name -- XXXX XXXX XXXX XXXX XXXX Balance - {$3700.00} This card was a SECURED credit card with XXXX/XXXX XXXX. I have tried repeatedly to obtain information on this account from PRA and have received none of the information requested. This account was requested to be closed on XX/XX/XXXX and was never used after that date, no payment was made after that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The credit Bureaus is displaying false information regarding a debt that 's place on my accounts. The debt under XXXX XXXX is listed on all my credit reports for {$180.00}. The company sent a letter with the amount of {$110.00}. This is false reporting. I do not have an account in the amount of {$180.00} this account does not belong to me. I need proof of this account or it needs to be removed from my report with updated information.

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 2017-12-09 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: NJ

Complaint narrative:
on XXXX/XXXX/XXXX i submitted my dispute with the CFPB XXXX stating that the credit bureau Equifax is not following proper investigation procedure under the FCRA XXXX XXXX a ). This CFPB dispute is still pending Equifax resolution which I hope to make more clear with this new dispute showing how they are in violation. I have asked them more then one time to remove the inaccurate false public record ( Case or ID # XXXX ) on my credit report and they have failed to do so and failed to comply with FCRA rules and regulations. 

under FCRA 611 ( a ) Equifax is suppose to send the dispute to the data furnisher regarding this public record to be validated, NOT to a 3rd party vendor in which case they sent it to XXXX to verify if the public record is accurate. In my letter to them i asked for the method of verification under the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) because i had a strong feeling that were not up to the task to do a proper investigation on this public record which has appeared on my credit report. My lexis nexis report has been frozen for over a year due to a past identity theft and yet somehow they go to them to verify??? this is clearly negligence on their part for me or anyone to think they even truly verified this public record. 

attached in this dispute is the letter sent to me from equifax showing this clear violation. Equifax confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The credit Bureaus is displaying false information regarding a debt that 's place on my accounts. The debt under XXXX XXXX is listed on all my credit reports for {$180.00}. The company sent a letter with the amount of {$110.00}. This is false reporting. I do not have an account in the amount of {$180.00} this account does not belong to me. I need proof of this account or it needs to be removed from my report with updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX, Santander Consumer USA, whom I have my XX/XX/XXXX XXXX XXXX financed with, reported my account delinquent. Despite ensuring that I have made every payment on time each month with the company, Santander flagged my account as delinquent! When reaching out to them to rectify the issue, I struggled to successfully contact a human being and when I finally was able to talk to a person they told me that they would reverse the delinquency flag and it wouldnt affect my credit. Then a few months later while checking my FICO credit score, I noticed that it was showing I had one missed payment in the last year. The same mistake that Santander promised to fix!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
I received notice in the mail that I had a judgment filed against me for XXXX. I paid this online through the Nebraska XXXX system on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX XXXX XXXX XXXX filed a garnishment with my company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Received a letter from IC Systems stating that they have sent my information to the credit bureaus in regards to the debt with XXXX XXXX XXXX XXXX. Whereas I was making payments on my account and was in constant contact with the XXXX office on charges and was told by personnel that they were still claims on my account with the insurance company and they will contact me when claims have been resolved and I will receive new payment information.

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 2017-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I did not receive a phone call or written communication about the debt. I discovered the issue when I reviewed my credit report. Im also unclear why I owe anything at all. Please provide written communication outling the rational for the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: AL

Complaint narrative:
On XX/XX/XXXX I telephoned Discover Bank that I would not renew my Certificate of Deposit ( CD ) which would mature on XX/XX/XXXX. I requested that the matured value in the amount of {$170000.00} be returned to me. 

On XX/XX/XXXX, approximately two weeks after the CD maturity date I had not received the money and I phoned Discover Bank and complained. The Bank account service person ( ASP ) acknowledged that the check had not been cashed and said that a new check would be issued. 

On XX/XX/XXXX, having not received the money, I sent a certified letter to the CEO of  Discover Bank stating my complaint. A copy of the letter is attached elsewhere in this document. 

On XX/XX/XXXX I still had not received the money and again complained to the bank. I was again told that a new check would be issued. I said that I should receive compensation for the banks unreasonable delay in returning my money. The ASP said the bank would deposit twenty dollars ( {$20.00} ) in my savings account as full restitution. I declined the offer. 

On XX/XX/XXXX I received an Extremely Urgent XXXX delivered package containing the check -- -28 days after the CD maturity date. I am now again requesting that Discover Bank compensate me for the unreasonable delay in sending the matured value of my CD.

Company response to consumer: Closed with monetary relief