vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-15 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and aim a XXXX. I moved from XXXX XXXX  to XXXX  in the early XX/XX/XXXX. Later that year, i meet a guy by the name of XXXX XXXX. XXXX was a inspiring XXXX that wanted to get into the music industry. He's been rapping at an early age. When i meet him he was about XXXX. He mentioned that he knows the music industry very well and have major connect with big names in XXXX. He mentioned, he has two music promotion companies, beside just rapping. His promotion company promote artist work, which the artist pay for. He mentioned that, i should invested money in his talent and that we can take it to XXXX to get a major record deal. The music industry was something that i was passionate about, since i was young. The idea felt interesting. We later flew to XXXX  and he introduced me to one of his major connect in XXXX name XXXX XXXX. XXXX mentioned that he's a major player in the music industry. XXXX showed me pictures and videos of him and every artist that you can think of. I seen him with pictures with XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX . I believed him. He mentioned that he can develop XXXX to a major artist and get him sign to XXXX XXXX XXXX for {>= $1,000,000}. He mentioned he can develop XXXX and another artist name XXXX XXXX to major artist caliber and get them sign for {>= $1,000,000}. A few months on another trip to XXXX, XXXX brought us to meet XXXX XXXX at XXXX XXXX XXXX office. XXXX was the XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX, confirm to what XXXX was telling me. XXXX and XXXX mentioned i had to invest {$150000.00} to develop these two artist. They mentioned each XXXX will cost {$75000.00} each to develop. A few months, i agree to make the deal. I gave XXXX and XXXX access to my business account. The access was for up to {$150000.00}. These guys went swimming in my hard earn money. They went to exclusive star studded parties, driving around foreign cars, eating at the finest restaurant, wearing clothes and jewelry brand, i can't even pronounce. They scam me out of over {>= $1,000,000} from XXXX. The worst part is clowning me and torturing my family and i. I'm left with nothing. I lost my business, house and wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
For many years Bank of America serviced my home mortgage. XXXX XXXX  XXXX took over. XXXX told me that I have been 1 month late since because I missed a payment at the end of XXXX. I looked at my records and it showed I had made the payment. XXXX sent me a " loan history '' to review. I noticed that on XX/XX/XXXX my payment went to " unapplied payment ''. I paid the payment but it was not applied to the correct account. Ater a year of going back and forth with XXXX they told me to talk to Bank of America because they are the ones that made the mistake. I did just that and a representative called me and could not explain what happened. I ask them to remove the " excessive late payment '' on my credit report because it has destroyed my credit rating. It shows I have been 1 month late since XX/XX/XXXX. Bank of America never mentioned this to me. My loan history shows I have made every payment since XX/XX/XXXX. I hired an attorney to rectify this. BoA has not responded to any emails he has written. I've made every payment with a 99 % on time rating since XXXX. I need your help to resolve this.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 2019-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA
State: TX

Complaint narrative:
Sent a dispute on XX/XX/2019 requesting validation and hearing regarding a letter I received from PHEAA threatening garnishment. I received a response back on XX/XX/2019 with proof that the debt is not as much as being reported on all three credit bureaus. PHEAA is reporting my balance as {$55000.00} I received a statement only showing {$29000.00} and that amount I do not feel I owe. No printout of interest, no breakdown of classes I had taken showing why my balances are {$29000.00}. My credit report is not accurate, and I requested correction a fair hearing to make the adjustments as necessary. ( This account is for the Puerto Rico division only ). 

Also, in my letter I sent a request to no longer contact me by phone and I'm getting constant phone calls still by personal. Violation of Cease and desist as given in my last letter. 

Please see attached letters to this file. 

POA on file for my acting agent, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
Received a letter from Credit Collection Services out of XXXX VA, about a medical debt. The creditor was XXXX XXXX XXXX. It had my correct and rather new address. The bill date didnt make sense to me because i havent had lab work done in a year or so. Also, the Dr that ordered the test, ive never heard of nor been to see before. I called CCS and they said it might not be the doctor you saw but could have been a doctor in the office that makes the orders which sounded fishy. He also said i had already paid them twice for lesser amounts and gave me the dates ( which i don't remember ) So i told them i would look into it more, and if i felt i did indeed owe them the money i would pay online. 

I then spoke with XXXX XXXX for a full half an hour as they tried to track me down as a patient. ( side note : there's not a XXXX  lab within XXXX miles of me, and once i tracked down the Dr who ordered the test was located about XXXX miles from me ). After speaking with XXXX, they told me to rip up the letter i received from CCS as this was not money i owed and i wasnt even in their system to begin with. 

So i called back CCS, and they wanted payment once again, and when i told them i spoke with XXXX and they couldn't even find me in their system as a patient, they told me they would remove my phone number ( whatever that means ). When i asked if it would affect my credit negatively, the lady just repeated that she would remove my phone number from her system and ended the phone call. 

Considering they don't even have the correct person, I am curious how they got my new address and phone number to begin with.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have disputed with Equifax regarding a account I had with XXXX in XXXX. The amount on the account was {$370.00} which was charged off. Equifax states that a payment has not been made on the account since XXXX. How would they know if the information that they have only dates back to XXXX. I have disputed 2 or 3 times and each time the information changes but it is still incorrect. They have my first delinquency reported as XX/XX/XXXX, which is incorrect. When you look at the calendar for the payments the charge off started in XXXX of XXXX which is also incorrect. I have not paid on this account since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: ND

Complaint narrative:
I borrowed {$1200.00} from them on XX/XX/2019. The way I understood it, they would take 3 payments of {$410.00} and then I could call in and pay it off, so that I wouldn't have to pay anymore interest. I called them XX/XX/2019 and asked if they could pay the remainder of the loan at the end of the month, here I find out the remaining balance is right around {$1900.00}!!! I was flabbergasted! I was thinking I probably owed them $ XXXX- {$400.00}, holy XXXX! Was I wrong! I also understood that they were going to take the payment at the end of each month, but they took it twice a month. Which I can't afford, so I've had to pay NSF fees too on top of all of this!! I will never, ever do such a stupid thing in my life again, ever! Wish there was some way to get around paying all this interest! It is crazy and highway robbery!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
Convergent Outsourcing emailed me claiming I owe {$330.00} from a company I do not recall having an account with and then immediately wanted me to pay a much smaller lump sum. Trying to contact C.O. they wanted all of my private info ( SSN etc ) before even speaking about my account. I had a weird feeling about being emailed about this collections account and that it doesnt show on my credit report. After doing some research learned similar situations were found to be scams. Wanted to file a complaint.

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 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
This involves a prior issue, complaint # XXXX. This item was inexplicably closed, with no resolution and no answers from the company. I was NOT asking for my account to be reopened, just a reasonable explanation of WHY it was closed in the first place. NO ONE has to date answered that question, only saying " it can't be reopened ''. I don't want it reopened. Just tell us WHY it was closed. Who? When? Why? Answers are owed on this matter, as it seems Capital One made a significant mistake and won't acknowledge it, or explain how this is being reported to credit bureaus. I need to know HOW this closing is impacting my credit score. Capital One has already demonstrated a poor record of customer privacy protection. I need answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and aim a XXXX. I moved from XXXX XXXX to XXXX in the early XX/XX/XXXX. Later that year, i meet a guy by the name of XXXX XXXX. XXXX was a inspiring XXXX that wanted to get into the music industry. He's been rapping at an early age. When i meet him he was about XXXX. He mentioned that he knows the music industry very well and have major connect with big names in XXXX. He mentioned, he has two music promotion companies, beside just rapping. His promotion company promote artist work, which the artist pay for. He mentioned that, i should invested money in his talent and that we can take it to XXXX to get a major record deal. The music industry was something that i was passionate about, since i was young. The idea felt interesting. We later flew to LA and he introduced me to one of his major connect in XXXX name XXXX XXXX. XXXX mentioned that he's a major player in the music industry. XXXX showed me pictures and videos of him and every artist that you can think of. I seen him with pictures with XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX . I believed him. He mentioned that he can develop XXXX to a major artist and get him sign to XXXX XXXX XXXX for {>= $1,000,000}. He mentioned he can develop XXXX and another artist name XXXX XXXX to major artist caliber and get them sign for {>= $1,000,000}. A few months on another trip to LA, XXXX brought us to meet XXXX XXXX at XXXX XXXX XXXX office. XXXX was the XXXX XXXX XXXX at XXXX XXXX XXXX. XXXX, confirm to what XXXX was telling me. XXXX and XXXX mentioned i had to invest {$150000.00} to develop these two artist. They mentioned each artist will cost {$75000.00} each to develop. A few months, i agree to make the deal. I gave XXXX and XXXX access to my business account. The access was for up to {$150000.00}. These guys went swimming in my hard earn money. They went to exclusive star studded parties, driving around foreign cars, eating at the finest restaurant, wearing clothes and jewelry brand, i can't even pronounce. They scam me out of over {>= $1,000,000} from XXXX. The worst part is clowning me and torturing my family and i. I'm left with nothing. I lost my business, house and wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Coinbase, Inc.

Complaint narrative:
Hi, I transfer funds XXXX out of my bank account ( XXXX XXXX ) on the XX/XX/Aug2019 to purchase bitcoin   to my wallet with Coinbase, unfortunately it hasnt shown on my Coinbase account, I have contacted Coinbase many times via phone and email and all I get in the form of a response is its being looked into and we will get back to you for a bank reverse. I would like to add there on guidelines state it takes 3 working days??? its the XX/XX/XXXX and has gone beyond these guidelines. 
The only actions the company has taken is emails saying they will get back to me and it has been escalated .which has not happened

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PR

Complaint narrative:
By this means I request to be removed some accounts that are getting confused in my credit reports, I have never lived in the United States and in spite of the efforts I have made since XX/XX/2018 have not yet been removed. The accounts of XXXX / XXXX  # XXXX and XXXX # XXXX confused in my report are reporting recent backlogs which make it impossible and this is affecting my credit. 

I request the removal of variations of names mixed in my reports such as XXXX XXXX XXXX, addresses of the United States and Jobs that do not belong to me XXXX XXXX XXXX There are some positive accounts as they do not belong to me and they are still reprinting in my reports that I request to be removed, 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 I request to be corrected and do not confuse again information of other people in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
on XX/XX/2019 I settled an account in the amount of {$1000.00} with agent XXXX at ext XXXX company phone # XXXX on XX/XX/2019 I called and requested to speak to a supervisor were aggressively and unprofessional on multiple call backs and being hung up on by a representative who refused to give her name on a recorded line, only identified as employee ID XXXX. I was never transferred to the XXXX at ext XXXX who was previously in charge of my account I was never transferred to to manager or supervisor, I ask questions that as a consumer I had the right to ask : Have you received my consumer dispute from XXXX if yes yes what was the date of receipt? Have you sent an XXXX request to the 3 major credit bureaus requesting that this account be deleted from my file, if so when, because I called XXXX XXXX and XXXX and they have not received any request from Southern Management Systems. I preceded to ask employee ID XXXX, if the call was being reported and if she was aware that I had rights to ask the questions I asked under FCRA, she proceed to tell me that I was being condescending and annoying by calling repeatedly and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/XXXX, Chase closed my credit card accounts unexpectedly. I tried to use the cards for ordinary purchases that day and the next, without success. I soon received a letter stating that my cards were closed for 2 reasons : sudden increase in spending, and accounts not used as intended. Reason number 1 is no less than fraudulent- I have been a Chase cardholder for almost 10 years with perfect payment history. I have used the card fro large auto repairs, remodels, and vacations. My recent spending has been no different. The second reason is unfairly vague. In speaking with customer service, the representative rudely and vaguely stated that the Bank " frowns on '' the use of my credit line for Authorized users in credit repair business activities. He could not tell me that my activity was against my cardholder agreement, but stated that by his review, the accounts would remain closed. The explanation provided by the letter is unfairly vague and his decision referred to no literal infraction of our agreement. I feel that the account closures are unlawful. I have been an exemplary customer and I have an 800+ credit rating. The Bank 's actions do me harm in closing 2 of my lengthiest credit lines in my credit profile. I will be seeking legal advice regarding recourse for damages and credit lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
Paid in full collections to CBE Group amount of {$360.00} paid in XXXX of 2015 ; I need this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: OH

Complaint narrative:
I had a Discover Miles account, final number XXXX, which was closed on XX/XX/2019 because it was included in BK. The BK case was discharged on XX/XX/2019. The account has been fully discharged. In XX/XX/2019, with the account terminated and discharged completed I received a refund from XXXX on XX/XX/2019 in the amount of {$120.00}. Now with the account closed I need to receive the refund from XXXX which is rightfully mine. I have tried all channels of communication, and I am not getting Bank cooperation on this topic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Mortgage is an adjustable rate subject to periodic changes in monthly payment amount ( +- ). Payment ( s ) have been made each month since XX/XX/XXXX. Payment amount scheduled to change for XX/XX/XXXX payment. No statement was received for XX/XX/XXXX and payment was submitted in the previous statement amount of {$320.00}. This resulted in short-payment of {$8.00}. PNC Bank retained this money ( payment ) without posting it as payment and then they generated a check on XX/XX/XXXX in the amount of {$320.00} that was returned as a short payment ( indicating they were unable to post a partial payment ). This check was received on XX/XX/XXXX and was immediately taken to the local PNC branch to make payment. Payment was made using the check generated by PNC and a cash payment of {$8.00}. Cashier indicated the account was paid current as of that transaction on XX/XX/XXXX. 
While applying for a loan with another bank, was informed that based on this transaction, PNC Bank generated a late payment report that was sent to the credit bureau ( s ). This " misinformation '' has negatively impacted our ability to apply for credit and be approved for prime rates. This needs to be corrected as soon as possible, since payment was made and not posted. As of this date, PNC has declined to correct this credit information. Obviously, this is a misrepresentation of what actually occurred. 
Clearly, the payment was made and not credited to the account, due to the {$8.00} difference. It defies logic that a financial institution does not have the capability to post an underpayment, or even an overpayment, but can retain the money until they see fit to return whatever amount it is and claim that payment was not received in a timely manner. 
I am XXXX years old and have NEVER, since I was XXXX  years of age been late or defaulted on ANY credit agreement and I can not believe that PNC Bank is refusing to correct this misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: LA

Complaint narrative:
In the past two days, I've received three voicemails from Medicredit stating that I owe a past-due debt to XXXX XXXX XXXX, although I paid all of my co-pays directly to XXXX. I haven't visited the medical center since XX/XX/2018 and the last bill I received from XXXX was {$100.00}, which was paid in full to the medical center. Since then, I've gotten calls -- sometimes, daily -- that show up as " Account Services. '' Today, after checking my voicemail, I was able to distinguish a connection between some of the random phone numbers and Medicredit.

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 2019-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
According to my complaint with CFPD file # XXXX submitted on XX/XX/2019 by me, sent by CFPD XX/XX/2019 I recieved on XX/XX/2019 the SAME AS ALL PAST DEBT COLLECTORS the same as a 3rd grader would print out of the same judgement and again no proof of any kind that the debt belongs to me ( I have about 10 of them ). Obviously they recieved the complaint on XX/XX/2019 from me through CFPB. 
They refuse to respond on line through my online complaint with CFPD. 
No proof of any kind has bin in the past ever provided by any / all of them about this bogus debt. 

A complete FRAUD.

Company response to consumer: Closed with explanation