vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
In order for me to figure out how much I owe them, I requested credit card statements for the life of the account which is from XXXX. I'm not going to take their word on the amount owed since banks are crooks. Initially they sent me XXXX to XXXX statements. I called again and asked I needed all the statements. A few weeks later, they sent me XXXX statements. I called them and requested again I need all the statements and left a message for them. No response back. I called them back two weeks later as I noticed a letter from them in my mailbox showing that they filed a lawsuit and billed me the {$510.00} filing fee for the court. I called them again and asked why is there a lawsuit. They said because there was no settlement. I repeated again I need all statements so that I can figure out how much is owed. The new person that I spoke with which is different than my contact on the forms said he can send out XXXX to XXXX statements and try to get the older ones. He then said once you have them call us so we can figure a plan for you. 

My question is, how can I make any decision if I don't have all the statements showing what I truly owe them? Regardless, I have no details and they file a lawsuit against me. 

That is not right. I should be given all the details needed so that I can make an informed financial decision on the debt I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: IL

Complaint narrative:
I was denied credit due to 1 ) low level of authentication indicative of First Party Fraud and 2 ) low level of authentication indicative of ID Fraud. I have no negative information on my account and have XXXX. I called Expedian to find out what that means and they put me on hold for over 15 mins without explanation or callback option.

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 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Letter This is a follow-up complaint to a complaint I filed on XX/XX/XXXX. Complaint ID XXXX. 

My original complaint was filed 6 weeks after the first fraud incident. 

It has now been 12 weeks since the first fraud incident ( 90 days ) and there have been no updates on the status of the investigation or indication on whether I will get my money back from the two fraud claims that I filed in XX/XX/XXXX. I have received a call from Citizens Bank from the Office of the President after filing my original CFPB complaint, and have also received letters from the bank dated XX/XX/XXXX, but only to let me know that the bank is still working on the issue. I have not been offered provisionary credit or a timeline as to when I will be credited my money bank. 

As I have been patiently waiting, I have endured several mistakes by the bank. The first incident I reported in my previous complaint letter, stating that the Collections Department moved money from my savings account to my checking account without my permission to true up a negative balance. The second incident occurred as a service charge for not using the checking account that had been affected by fraud and closed ( XX/XX/XXXX ). The bank also made an error when I closed the account immediately after the first fraud incident, only to have another fraudulent check written and cashed from my closed account ( it had not been put in credit only status. 

I am filing this second complaint with CFPB to demonstrate the banks negligence on the issue through the entire investigation and the numerous errors that have been made in the process. After 90 days, I still have no answers as to if or when I will receive the money that I am owed after being a victim of fraud. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Im a XXXX XXXX, and works only parttime. Ive paid my car note pretty well, until very recently, when I had unexpected expenses, and fell a little behind. I asked Capital One if they could give me one of those programmes that puts two payments to the back of the loan. They said they could. So the first guy took a payment from me and said Ill be current after that payment. But the company was still calling me after that. When I answered the phone, they said Im still in collections and I had to pay more cause the amount the other agent asked me to pay, wasnt enough. So I paid again! After paying AGAIN, they were still calling me. When I answered, they said Im still in collections, cause the amount the second person gave me still wasnt enough. So I paid AGAIN! After that, I was assured that the loan would definitely be current, two payments would be put to the back and comes XX/XX/XXXX, Im starting fresh! So I called today to make the XX/XX/XXXX payment, and they tell me yet again that Im not current, and Im 31 days late!!! Capital One has been playing games and making a fool out of me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have reported the unauthorized charges made to my credit card account to TD BANK USA and they have not worked with me to resolve this report of fraud on my account. They refuse to reverse the charges. I immediately called to report the unauthorized use of the card and twice submitted their Fraud Questionnaire as required. They are giving me the 'run around '. 
All of the charges totaling {$750.00} listed below were NOT AUTHORIZED BY ME. 
Some person, unknown to me, used a credit card that was apparently diverted by mail to make a series of fraudulent charges to my XXXX XXXX account in the transactions listed below. 
I am disputing all of the listed charges. 
Also, I have never processed a CASH ADVANCE transaction for {$400.00} at any time on this account. 
Let me know if you have any questions. 

Posting Date Description and Amount Category Comments XX/XX/2019 XXXX XXXX XXXX XXXX TX - {$320.00} Auto Date of transaction XX/XX/2019 XX/XX/2019 XXXX XXXX MON XXXX XXXX CA - {$11.00} Travel XX/XX/2019 XXXX XXXX XXXX XXXX TX {$400.00} Cash Date of transaction XX/XX/2019 XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX TX - {$11.00} Auto Related Date of transaction XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX TX - {$1.00} Auto Related Date of transaction XX/XX/2019 XX/XX/2019 CASH ADVANCE FEE {$12.00} Miscellaneous Transaction XX/XX/2019 XX/XX/2019 CASH ADVANCE FEE {$12.00} Zip : XXXX Merchant : Miscellaneous Transaction Date : XX/XX/2019 XX/XX/2019 Original Amount : {$12.00} INTEREST CHARGE- CASH {$7.00} I would like to have these charges removed from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XXXX XXXX. present address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut. XXXX I called Wells Fargo Dealer Services on several occasions to XXXX. XXXX. XXXX discuss this issue. My last contact by phone was on XX/XX/XXXX. I explained that the loan was charged off in XX/XX/XXXX and is showing on my credit as a bad debt. I immediately asked for the title to be mailed to me explaining its been 2 years since the charge off and I needed the title. The representative told me this could not be given and I needed to make arrangements to pay my balance of XXXX. 
Every time I call Im treated terribly. I stressed how this was ruining my credit. I mentioned how they were falsely charging me insurance fees with interest which they admitted to doing. I was compensated with a check of XXXX. However, the interest was never adjusted off the loan. Now the car has a transmission problem, after expensive repairs, etc its not driveable. I would like to junk the car and settle all expenses as Im still paying for insurance, taxes, etc. Wells Fargo Dealer Services are very abusive, rude, and intolerant. I am not able to communicate with anyone at this company. It is horrible! 

The car is a XXXX XXXX XXXX XXXX. Documents are attached with Vin #. I can be reached by email to 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 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX, XXXX, BMO Harris closed my checking account with no communication that it would do so. In many unsuccessful attempts, I have tried to get information as to what had happened during this closing of my checking account. 

On XX/XX/XXXX, I had a phone call with a XXXX XXXX of BMO Harris which she confirmed in a XX/XX/XXXX letter. The letter has no return address or email address. Only a phone number for leaving voice mails. In the XXXX XXXX phone call, I had asked XXXX XXXX what had happened to the missing BMO Harris check which I was advised was mailed to me in early XX/XX/XXXX upon closure of my checking account. XXXX XXXX in the XX/XX/XXXX phone call said she would get back to me with the status or what had happened to that missing check. 

Today is XX/XX/XXXX and I have not been advised by anyone at BMO Harris as to what had happened to that missing check. 

Previous attempts to reach XXXX XXXX at BMO Harris via phone were not successful. In a previous voice mail left, I gave my email address and no emails have been received. In my opinion, BMO Harris communicates with the public only via responding to CFPB complaints.

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 2019-04-02 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: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX

Complaint narrative:
They keep calling for a XXXX but she no longer owns this number. i've asked to be removed 37 times but they keep calling for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MO

Complaint narrative:
Three weeks ago I remitted a payment to Discover Card as tender, to pay my monthly credit card bill from my XXXX XXXX  XXXX checking account for {$2000.00} dollars.I am accustomed to paying large payments with Discover Card, and I have never had a thirty day late payment since I've owned the card for over one year. I'm very responsible with credit, and out of 14 open credit lines, I had zero thirty day late payments on any of my accounts. Not even one! I had beautiful credit because I paid my bills on time every month. I had just deposited the funds at XXXX XXXX  XXXX, and had more than enough funds to cover the payment. 
XXXX XXXX  XXXX coded my check wrong so the funds didn't go into my account on time. This was a banking area at XXXX XXXX XXXX. Because they put my check in the wrong way, the funds were not made available on time, and caused my discover card payment to bounce for {$2000.00} dollars. I put the money in the bank like I was supposed to and depended on the bank the do its job properly. I didn't know that the check had not cleared the bank. I put the money in there for that purpose. I got notification from Discover Card stating they had received payment for the {$2000.00} dollars, so I started using my card. a few days later, I was informed that my account had been closed, due to insufficient funds. Discover Card closed my account due to a bank area! I had this account over one year with no thirty day late payments on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: WV

Complaint narrative:
Signed up for XXXX XXXX XXXX XX/XX/XXXX. Tech hooked up service at like but did not receive modem to use service. After several attempts to obtain modem, I got frustrated and cancelled service. when I cancelled XX/XX/XXXX, local office said they can cancel but can not take care of Bill that was {$66.00} roughly. I contacted customer service line shortly after and spoke to billing dept. They stated it would be taken care of. I moved out of residence shortly after and thought it was taken care of. I received an email early XXXX about disputing. I did dispute and don't remember receiving a reply about it after. I checked credit report XX/XX/XXXX and saw derogatory statement. I contacted XXXX and they said it had been sent to XXXX XXXX XXXX collections. I called and they said my dispute was denied earlier in the year. I asked if I was ever contacted about Bill not being resolvex. They stated they sent mail that was returned multiple times. They stated they called XX/XX/XXXX at XXXX. As I am a XXXX, I do not carry phone while working. They said they couldn't leave voicemail. They also said they called only once because that's all they are required. I asked while I was never notified of Bill via email. They had no answer. I also asked why I was never notified of dispute being denied. They had no relevant answer. 

I wouldn't mind paying the {$66.00} Bill if I ever had access to the services. Because I could not obtain a modem, I was never able to use the internet service. Not one single time. I refuse to pay for a service that I could not use. 

Their initial hookup stated the technician should hook up devices outside and inside of the house. They did not provide services stated in frontier website. I will continue to fight this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
American Express frozen all my Membership Reward Points in my account. This is unacceptable, I have more than 6 credit cards with them. 

I always pay my credit cards on time and my annual fees. ( Including my American Express Platinum {$550.00} and American Express Gold {$250.00}. ) I don't understand why the company is taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In order for me to figure out how much I owe them, I requested credit card statements for the life of the account which is from XXXX. I'm not going to take their word on the amount owed since banks are crooks. Initially they sent me XXXX to XXXX statements. I called again and asked I needed all the statements. A few weeks later, they sent me XXXX statements. I called them and requested again I need all the statements and left a message for them. No response back. I called them back two weeks later as I noticed a letter from them in my mailbox showing that they filed a lawsuit and billed me the {$510.00} filing fee for the court. I called them again and asked why is there a lawsuit. They said because there was no settlement. I repeated again I need all statements so that I can figure out how much is owed. The new person that I spoke with which is different than my contact on the forms said he can send out XXXX to XXXX statements and try to get the older ones. He then said once you have them call us so we can figure a plan for you. 

My question is, how can I make any decision if I don't have all the statements showing what I truly owe them? Regardless, I have no details and they file a lawsuit against me. 

That is not right. I should be given all the details needed so that I can make an informed financial decision on the debt I owe them.

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 2019-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
On XX/XX/2019 I received a debt collection letter on an unsubstantiated, alleged debt with XXXX XXXX XXXX who has now sold/handed over my alleged debt to Patenaude & Felix A.P.C without any merit, verification, documentation, etc. There is no debt. I  refuse a debt exists. I filed a previous complaint with CFPB on this same matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
I received a letter from the Pressler group again on Friday. Notifying me of a court date to review my financial situation. This is after already doing this on a legal form for them a few months ago. And after them placing a judgment on me a few years ago. I only get XXXX a month from ssdi. I am not married so I use that money for my needs plus paying a rent to live in this house. About XXXX. I have nothing that I own everything is in his name and belongs to him. I have XXXX altogether in clothes jewelry and face supplies. I can't afford to have my ssdi garnished especially when that is all I have. I have horrible XXXX  daily and the constant stress is too much. I can settle for XXXX dollars in writing and on record. So this doesn't continue. That is all I can offer to settle this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: MO

Complaint narrative:
XX/XX/2019 Made online Purchase of Carvana, LLC no hassle free used automobile purchased with interest {$17000.00}. 

The advertisement said car was shipped from XXXX IN. It arrived at my home with Georgia Temp tags on them with Sales taxes as if Im a Georgia resident and I live in Missouri. I was informed by an agent and her supervisor at XXXX formerly XXXX whos an affiliate to Carvana, LLC my account does not exist! The SSN does not match Carvana have refuse to issue me that cancelled contract and original copy of online application. I issued by way of uploading my SSN front and back of my card, Missouri drivers license front and back, plus my financial income documents sent to Carvana, LLC for verification of automobile loan. 

Carvana, LLC was notified on XX/XX/2019, about the error on automobile sales contract and they refuse to cancel but instead REBUILD the contract AS IS! 

I have not been made aware of undisclosed information the vehicle was a XXXX XXXX XXXX, per XXXX manufacturer Recall Records. 

There are security transactions taken place with my personal signature rendered and protected by UCC 1-308 without prejudice. Ive issued my credit for purchase as of XX/XX/2019, to Carvana, LLC who was already PAID IN FULL after close of sale through XXXX  formerly XXXX. 

XXXX formerly XXXX have confirmed I do not have an account with their financial institution. Carvana, LLC Senior underwriter XXXX XXXX. insist I pay the payments as agreed. I have not made the first payment since purchase on XXXX, since NO CONTRACT or an ACCOUNT DO NOT EXIST, per XXXX Agent and Supervisor on XX/XX/2019. 

Carvana, LLC gave written statement they were going to rebuild the original contract dated on XX/XX/2019, with terms and agreement AS IS! 

Carvana, LLC Underwriter XXXX XXXX. refuse to disclose my original Consumer online application so I could verify my SSN since there was an error of another SSN I was not aware of that did not match my financial application.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: PA

Complaint narrative:
I received a letter from the XXXX group again on Friday. Notifying me of a court date to review my financial situation. This is after already doing this on a legal form for them a few months ago. And after them placing a judgment on me a few years ago. I only get XXXX a month from ssdi. I am not married so I use that money for my needs plus paying a rent to live in this house. About XXXX. I have nothing that I own everything is in his name and belongs to him. I have XXXX altogether in clothes jewelry and face supplies. I can't afford to have my ssdi garnished especially when that is all I have. I have horrible migraines daily and the constant stress is too much. I can settle for XXXX dollars in writing and on record. So this doesn't continue. That is all I can offer to settle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Closed XXXX visa with Chase Bank in XXXX Was told I overpaid them, and that they send me a check which I NEVER RECEIVED for {$470.00}. 
Have called them every week, each time to get different story They claimed check was cashed, I DID NOT CASHED IT, DID NOT RECEIVED IT!!! 
asked to send me proof of cashed check, they can not find it, or so they say I have been calling weekly, spoke with 6 supervisor, signed an declaration, mailed it certify mail on XX/XX/19, still not word It is my money and they are not paying me XXXX XXXX

Company response to consumer: Closed with explanation