vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have tried to open an account at Santander Bank and according to the Fair Credit Act, Santander Bank may be subjected to legal action due to Santander Bank procedures not to verify XXXX XXXX report. I,  XXXX XXXX verified with XXXX XXXX and XXXX XXXX of XXXX, that my XXXX XXXX XXXX MISSOURI account is PAID IN FULL IN THE AMOUNT OF {$120.00}. I also spoke with XXXX of XXXX on XX/XX/2018 who transferred me to XXXX speaking interpreter, and stated to take legal action against XXXX, with XXXX XXXX as a Co-defendant.

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 2018-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I purchased a car from XXXX XX/XX/XXXX. At that time I set up auto pay for my loan. In XXXX of the same year, I started getting calls from my salesperson re : the need for additional bank statements. XXXX is the bank, so I called the bank and they stated they needed no further information. 

I have made no late payments, but they reported me late XXXX of this year due to XXXX XXXX  reversal of all duplicate payments. 

I called numerous times to resolve the discrepancy to no avail. 

Just this month I paid my payment at XXXX. I gave them the account # XXXX, given to me by the collections department this past XXXX where they also had me pay several late payments. 

I learned this month that thst is not my account # at all. My account # is XXXX. 

No payment history has been provided to me as requested.

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 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian constantly claims I have had a car loan opened in XX/XX/XXXX. I have never had a loan nor have I ever applied for a car loan. The same inquiry shows a retail store account I opened. Again, i have no retail store credit cards. XXXX  states the following names that I have never used ; XXXX XXXX XXXX XXXX XXXX XXXX. My maiden name is XXXX XXXX XXXX, married XX/XX/XXXX to XXXX XXXX XXXX. AKA ; XXXX XXXX XXXX or 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 non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc.
State: PA

Complaint narrative:
Was contacted numerous times last week sometimes back to back from unknown number. When i ask who they were was advise they got my number from my previous supervisor XXXX XXXX they continued to call so i decided to answer. Spoke with a rep name XXXX we entered a payment arrangement even though i told her i was unable to make payments because i am in the active foreclosure process for my home. She was persistent and i wanted to stop the calls so i agreed to the terms but i spoke with my housing counselor and was advise until i reach a agreement with a loan modification i could not add any extra bills so i called today on XX/XX/18 to cancel my agreement with Atlantic credit and finance incorporated where i was verbally abused and she hung up on me because i asked to cancel my payment arrangement i ask for a supervisor and he was not much help either restating that they can not help me in the future i explained over and over i would have to cross that bridge once i am able to pay and they still threatened me.

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 2018-05-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: CA

Complaint narrative:
XXXX direct express has allowed someone to empty my account of all my moneys and not even told me how or why they let it happen!!!, Just that they let someone wire all my savings to someplace and now its EMPTY and they wont let me know how this has happened with out my evening knowing Anything about it? 
I would like to talk to a customer service person on the phone to ask some questions about it! Not a computer voice that does not answer it just hangs up on me and says thank you good by!!!! 
My savings of over {$2000.00} fixed income for all my living needs is gone!! 
What can I do.?? Do I have any one to talk to?? And will this keep haplnging again next month when my SS check is sent? 
Any help will be VERY APPREATED!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
Collector contacted me during inappropriate business hours. I was contacted at XXXX XXXX which is a violation of my rights under the FDCPA Practices Act. When the collector was advised of the call time, he stated that because it was XXXX XXXX in his state, that he in fact had a right to contact me in California at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a very hard time with Wells Fargo mortgage. I am trying to do a short sale to avoid foreclosure. Previously, we had been trying to save my home through a modification but was declined. I have fallen behind on my mortgage after my husband was diagnosed with XXXX. My husband XXXX XXXX XXXX on XX/XX/2015. I have recently tried to do a short sale with Wells Fargo but they have refused to let me do one. Wells Fargo is stating that my home is worth {$890000.00} and would not look at my offer. My home is not worth {$890000.00}, this is 100 %, ABSOLUTELY, PURE BANK FRAUD. Wells Fargo seems to never change and is up to the old tricks again. Wells Fargo has not done an appraisal on my property, they have only run comps from Iowa, on a computer. In the area I live in, that is not smart. I have also sent photos, and list of repairs need on the property by licensed contractors. This home needs a rehab. With the medical hardship, our family went through we have been unable to keep up with needed repairs. Wells Fargo is stating this does not affect the price of the property, which again, is pure fraud. We have several, brokers, title companies, and appraisers tell what they feel the property value is at. This property is worth {$680000.00}. We are submitting the highest and best offer to Wells Fargo for short sale review and to avoid foreclosure.

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 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Was contacted numerous times last week sometimes back to back from unknown number. When i ask who they were was advise they got my number from my previous supervisor XXXX XXXX they continued to call so i decided to answer. Spoke with a rep name XXXX we entered a payment arrangement even though i told her i was unable to make payments because i am in the active foreclosure process for my home. She was persistent and i wanted to stop the calls so i agreed to the terms but i spoke with my housing counselor and was advise until i reach a agreement with a loan modification i could not add any extra bills so i called today on XX/XX/18 to cancel my agreement with XXXXXXXX XXXX and finance incorporated where i was verbally abused and she hung up on me because i asked to cancel my payment arrangement i ask for a supervisor and he was not much help either restating that they can not help me in the future i explained over and over i would have to cross that bridge once i am able to pay and they still threatened me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LDF Holdings, LLC
State: CO

Complaint narrative:
My family and I have been receiving calls from a woman name XXXX. She works for XXXX XXXX. Phone number : XXXX. She says that legal action will be taken against me. My father, who lives in Kansas, received a message from XXXX on XX/XX/XXXX and she told him that they needed to serve me a subpoena. I called them on XX/XX/XXXX and I talked to a man who said that their office had a legal case against for me a payday loan debt from XXXX loan. I asked XXXX XXXX not to call my family about this matter, but they have called my husband on XX/XX/XXXX and XX/XX/XXXX. I informed XXXX XXXX that per the law, they have to send me a letter to inform me of the debt and they have not done that. XXXX XXXX claims that the loan is from XXXX loan and it was supposed to come out of my XXXX XXXX account. I did have XXXX XXXX in Kansas, and the payment from XXXX should have gone through and I looked through my emails and dont have any email from XXXX XXXX about a declined transaction from XXXX loans. I don't live in Kansas anymore and I don't bank with XXXX XXXX now. I emailed XXXX loan on XX/XX/XXXX and told them that I was being contacted by XXXX XXXX and they told me that the debt had been sold to XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX loan never notified me that the debt was sold to a 3rd party of XXXX XXXX XXXX. Per the law, XXXX is supposed to notify me if the debt is sold to a 3rd party and they did not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
On Sunday, XX/XX/XXXX, I dropped a cash payment in the Tower Loan drop box in the amount of {$260.00}. A couple days later we were called by XXXX stating we owed a payment. My husband informed them that I just made a payment Sunday, however, they claimed they never received it. My husband called me and informed me of the problem and I called the office and spoke with XXXX. She stated she was the first employee there Monday and stated she did not see my payment with the others. I asked if they could review cameras to see I had dropped it off but she said they did not have any. The temporary manager was at lunch and she said she would have him call me back once he returned. Once he called me back he stated they had no proof that I dropped off the payment- I made the suggestion to check neighboring business cameras to see if they have cameras outside their storefronts that could have shown my drop off, that the funds could have possibly been credited to the wrong account, or worse case- one of their employees are being deceitful and took the payment since it was cash. He explained he was going to look into it and give me a call back within an hour. The next day I still had not received a call so I called XXXX back. He stated his manager said he doesn't believe I made the payment and there is nothing they can do and they are not responsible for the lost payment. I offered to provide my ATM receipt proving I made a wd that evening prior to driving to their store, but they will not look further into the problem. Someone stole my money and they are not doing anything to investigate the situation. I intend to visit the XXXX Police Station tomorrow afternoon and file a police report. Not only am I furious that they " lost '' my payment, but they have the audacity to call me a liar and say they don't believe I made the payment. I physically placed the payment in their payment box located outside their store with my information on the envelope, I ensured the payment was fully inside before leaving so there is no way that anyone other than those with access to the loan company could have taken it. I contacted their headquarters Friday but have yet to hear a response.

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 2018-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have money missing from my checking account between XX/XX/XXXX thru XX/XX/XXXX. They are money transfers that I did not make. As a matter of fact, I have never made a money transfer.

The dates and amounts are as follows : XX/XX/XXXX {$300.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$6000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$24000.00} XX/XX/XXXX{$2000.00} XX/XX/XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: IL

Complaint narrative:
Hello- I have tried numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have Equifax and XXXX  Credit reporting agency remove this Bankruptcy. I've never filed for bankruptcy also this bankruptcy has never showed a dollar amount. I've tried calling, emailing and sending letters to them and they will not remover this. This bankruptcy is totally fraudulent and I need help removing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Service Bureau Inc
State: KS

Complaint narrative:
Received numerous attempts to collect debts alleged owed by Creditors Service Bureau, asked for verification of debt, verification of debt not provided. Was provided copy of computer print out & screenshots but nothing substantiating debts listed are legitimately owed by us or are otherwise substantiated as evidenced by numerous errors listed on print out such as ( 1 ) Last name not spelled correctly ( listed as XXXX ), our last name is spelled with TWO " XXXX '' s indicating the debtor/s were not concerned about accuracy ( 2 ) XXXX XXXX XXXX is listed as one of the parties owed money to by my wife however she has never used XXXX XXXX, my wife went to XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX during the time frame alleged she owes money to XXXX XXXX XXXX ( we were also not married until XX/XX/XXXX so i do not feel its fair to attempt to collect a debt owed by my wife prior to being married ) ( 3 ) XXXX XXXX XXXX - we used a midwife XXXX XXXX XXXX based out of XXXX, KS for medical services not the hospital system her contact info is : XXXX XXXX XXXX XXXX, KS XXXX United States p. ( XXXX ) XXXX ( 4 ) XXXX  XXXX services - we do not use them, we have a XXXX  in XXXX XXXX which is not the same XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: SC

Complaint narrative:
Enclosed you will find two letters : 1. XXXX XXXX Security Freeze Confirmation Letter f 2. Letter from the Courts stating they do not give information to credit bureaus. 

I have written the courts asking if they submit public information to the credit bureaus. They said they didn't and sent me a letter confirming they don't. 

I then contacted XXXX XXXX and the other data-mining companies asking for a FREEZE on my accounts too. They all sent letters back confirming FREEZES. 

I disputed this with XXXX XXXX and they confirmed account has a FREEZE on it. 

My credit report is still showing a Bankruptcy on all three credit bureaus. Where are they getting the information? 

I've asked them all to remove this bankruptcy that was dismissed. I've done all my work : Contacted Courts in South Carolina, I've FROZEN my account with XXXX XXXX and the others. 

Please verify how the Credit Bureaus are still reporting 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 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
somebody got ahold of my social security number and got a loan from cash net usa in my name. they said that put XXXX dollars in my checking account on XX/XX/2017. this did not happen.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my second time addressing this issue. The credit bureaus are reporting inaccurate information about my auto loan on my credit profile. I was never 30 days late, and my car is in my possession not repossessed! XXXX XXXX is reporting inaccurately and the credit bureaus are failing to properly investigate and report accurately. The first time I made a complaint about this issue, it was immediately removed from my credit profile and the account was updated to report positively on my credit report, however they later added this inaccurate reporting back on to my credit profile without ever notifying me! This inaccurate reporting has caused me to lose -166pts on my credit score and this information is totally inaccurate!! I would like this  inaccurate reporting to be permanently removed from my profile and not just added back later!! According to the FCRA once information is deleted from your profile, it is not to be added back later!! This violates my rights as a consumer and I would like this fixed immediately!

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 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I settled a previous matter via email with Portfolio Recovery Associates. We came to a settlement agreement without validation because I wanted it off my report. This was over 6 months ago and it still has not been reported correctly. I am currently trying to get this corrected with the directly, but it is why I am requesting validation for the matter below. ( I would like this complaint to involve the issue below, but if two matters could be handled at once that would be great too ) There is a current matter at hand that they have sent to collections and I have requested a debt validation via email to them on XX/XX/2018. They just respond with a phone number to dispute resolution although i have communicated with them through email when doing a settlement. I am requesting this because I am not sure they amount they are submitting is correct or if they are the actual owner of the account as the previous account I settled with them was not reported like it was said that it would be. when I setup a settlement agreement they did it through email, so I know they are willing to communicate through that method.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX. I have been trying to get information about an account in my name from Wells Fargo. The account has an exclusion allocation amount of XXXX. I've been contacting the bank consistently trying to get information about why the amount was so high. I first opened the account on XX/XX/2016. I only opened a checking and savings account. While I was sitting with my banker he informed me that I had three retirement accounts. I looked into the accounts and there was never a balance, but after contacting a Wells Fargo advisor I was informed to contact an tax accountant. The problem is the bank will not release my account numbers to me. I've been receiving false documents from Wells Fargo along with XXXX XXXX. I also tried getting my credit report from XXXX. The customer service agent informed me that my information didn't match what he had on file. I think some one has power of attorney of my rights. I've never been informed about who this person is. There's also a retirement account from XXXX XXXX that I can't access. I need help getting financial information accessible.

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