vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: UT

Complaint narrative:
I originated a credit limit advance with this company fir XXXX after calling and inquiring which charged less interest a cash advance or a personal loan, the employee told me cash advance, afterhaving them auto debit the payments and seeing the balance was going up not down i called in XXXX and cancelled all auto payments and asked for a settlement on the account, i was contacted by a person who claimed she was on the resolution team, she assured me no more payments were achefuled although i see them when i log into my account scheduled and said the type of loan i have there is nothing they can do to help me, this morning i woke up to have an email from netcredit saying thank u for your payment, they took another payment without my aithorization and another one scheduled for the XXXX that the website does not let me delete

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a checking account with Chase bank, at their XXXX Illinois location on XX/XX/2021. I deposited XXXX checks from my employer, XXXX, and one check from XXXX, on XX/XX/2021. 

Chase Bank verified the checks and the checks cleared, however, every time I called or physically went into a branch location, I was told a different story for the reason they weren't releasing the funds. 

Chase Bank closed my account and sent a check for only the cash that I had deposited, holding onto the money from my XXXX paychecks. When I called to ask why I hadn't received the money for the deposited checks, I was told that even though they had verified all the checks, they wanted to hear from XXXX that the checks were actually issued to ME... despite the fact I had to show my ID in order to open the account, and XXXX XXXX, from the XXXX Illinois branch location personally verified my driver 's license, social security cards and my XXXX medical insurance card. She was told the manager she was speaking to was taking detailed notes that she had verified my identity, however when I called, the manager ( XXXX ) that I spoke to said there was nothing in the notes that indicated she had done so. 

The manager XXXX XXXX spoke with said they hadn't been able to verify the XXXX check, which was the result of an account closure with a positive balance. The amount of the check was {$1.00}, which the manager told XXXX they could waive verification requirements due to the low amount. When I spoke to the manager after my account closure, there was no record of the conversations XXXX had with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to MIDLAND FUNDING reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
unrecognized charges from a company XXXX XXXX  you are not able to dispute all the charges online they only let you dispute 2 or 3 when there are atleast 10 or 16 from this company. They give you a number to call to speak with someone to dispute the claim but you can not get through I was on hold for over an hour on 3 different occasions So I decided to Email the bank request information about the company they emailed me back with another number where you also sit on hold forever

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: TX

Complaint narrative:
I am filing this complaint because XXXX, XXXX and TRANSUNION have ignored my request to provide me with the documents that their companies have on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible 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 non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
Aspire cleared the transaction history so I could not view it to hide that they " reversed '' an automatic payment, which was not refunded to my bank account, and then charged me a late fee on the day that I made my next payment. The automatic payment was according to my bank statement XXXX, and they said it was XXXX. Also, the late fee was about that much as well. They agreed to refund the late fee, but refuse to refund the false fee reversal claiming that it is my bank. Clearly they are hiding shady practices, and if my bank, XXXX XXXX XXXX, had received a payment for me, I would have it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Owed a credit card, they wrote it off. Another company apparently bought the debt. Ive never received anything from the other company. I just seen it on my credit report. They had someone drop off a package yesterday. Its a lawsuit for more than what I originally owed the actual credit card company. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to DISCOVERBANK reporting and dispute with them. They were not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have had a credit card with XXXX XXXX ( card issued by Comenity ) since XX/XX/2021. I have used the card several times. I log onto my credit card accounts weekly to pay off any balances that may exist. I have not received any statements from Comenity listing my purchases nor payments. When I called their customer service, they stated that I am not entitled to a statement, nor do they generate a statement if the account balance is zero at the time a statement is due to be generate even if there has been activity on the account. It is my understanding that a bank is required to issue statements if an account has activity regardless if there is a zero balance at the time the statements are due to be generated. I would like Comenity to supply me with statements for the months that my account has documented activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
This is my second complaint regarding XXXX. The first one was closed out as they responded, however, this remains on-going as they have not RESOVED the matter. I have been attempting to remodify my loan since XXXX 2021. In the early part of the year I was told a number of times I needed to sign a Power of Attorney. This was clearly untrue as I am of sound mind. Eventually this was resolved and I was sent a second set of documents. On XX/XX/XXXX I spoke to a woman named XXXX on the phone. She stated that the last two times paperwork had been sent to me that they had not received Partial Claim/Promissary Note paperwork back, indicating this was the issue. I informed her that this document had never been sent to me and I had copies of all the documents as proof. I informed her that I had every intention of signing this paperwork, wanted it immediately, as I have wanted this resolved since XXXX, 2021. On XX/XX/XXXX she stated new paperwork was being sent out. OnXX/XX/21I still had not received this paperwork and spoke to someone name " T ''. He informed me that the paperwork had again not been ordered or sent. He claimed it would be sent that day. At that time I requested to speak to a supervisor. I spoke to XXXX XXXX who told me he would now be my " case manager, '' and would be handling the resolution of my case. He emailed me and told me I could email him anytime to check the status of my case. XXXX XXXX stopped responding to my emailed after I contacted him twice. Please take note that the customer service reps do not provide their full names and it is impossible to speak to the same person twice. I have contacted customer service through the email portal on loan care and receive a ticket and no follow up is given. I find it difficult to believe your bank is unaware of their poor service as after investigating this, there are reports of this all over the internet. I have included the second and last email response on XX/XX/XXXX, from XXXX below. I was told by XXXX that a mobile notary would be coming to my home with paperwork on XX/XX/21. When I called over a week later, it had not even been sent out until XX/XX/21. I received a call yesterday telling me the paperwork was sent out and asking if I was going to be sending it back. I informed the rep. I did not receive the paperwork! She confirmed the notation regarding the notary and was uncertain if it had actually had been sent out to them yet and said it had to be escalated, yet again, which would take 3-5 days, AGAIN! Nobody ever has an answer, including so called supervisors. As a reminder, this has been on-going since XXXX/21.

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 2022-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
The FDIC recently forwarded a complaint to the CFPB on my behalf about wrongful billing tactics and harrassment of my current automobile loan. The CFPB did reach to Bridgecrest located in XXXX, Arizona and a manager from Arizona contacted me on XX/XX/2022 and XX/XX/2022. The manager did not allow me adequate time to communicate with her. On XX/XX/2022, two repo men came to my residence to repossess my automobile. 

On XX/XX/2022, my car was wrongfully repossessed by Bridgecrest. The repo men blocked my driveway. The repo men did a breach of peace. Insults were shouted at me by a third man in a white vehicle. The repo men violated privacy laws about my account information ; via communication of my account status to someone in the parking lot. 

I am a United States veteran. The repo men did not notify the police of their activity beforehand. 
The compliance manager from bridgecrust contacted me from arizona XX/XX/XXXX i missed hte call and they left a voicemail. I wasnt ready no answer her questions so i didn't call back. XX/XX/XXXX she called again 3 cars went to my house they blocked my drive way i had to contact the police. They were telling my neighbors and my police how much i need to pay them. They were telling me i need to pay my bill. There were compliance issues there were not proper issues for the account now they performed an audit and i had been asking them to that long time ago.

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 2022-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
Today ( XX/XX/XXXX ) I awoke to having a negative XXXX  Checking Balance. This was because SunTrust now Truist took my full monthly mortgage payment from my account, {$3500.00}. 

I was under the impression, which it said in their online poortal, that I would not owe anything until XXXX. 

Last month, XXXX XXXX, I accidentally double-paid my mortgage, two full monthly mortgage payments of {$3500.00}. I tried to recoup one of these two payments via countless phone calls, emails ( XXXX ), and tweets with SunTrust but was unsuccessful.

Now, they drew a mortgage payment that did not need to be made until 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 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I believe USAA is denying me the use of my deposits within a reasonable amount of time needed to purchase a home. 
I ordered a cashiers check from USAA on XX/XX/XXXX for the amount of {$62000.00} for closing costs on a home that is scheduled to settle on XX/XX/XXXX. The deposit balance for the check in my account was immediately withdrawn to issue the check. The check was to be expedited with a shipping time of XXXX days. 
I called USAA on XX/XX/XXXX to inquire about the status of the check and was told it was issued on XX/XX/XXXX and had not yet shipped. 
I again called USAA on XX/XX/XXXX to inquire about the status of the check and was told it still had not shipped. Upon manager escalation I was told that the check had been canceled and the funds would be available in XXXX business days from cancelation. I was planning to wire the money to the settlement agent rather than waiting on the cashiers check. I explained to the representative that this was not an acceptable or timely solution. On this timeline the deposited funds were withdrawn on XX/XX/XXXX and may not be made available to me again until XX/XX/XXXX. He ensured me this was the best he could do and that no further escalation was possible. 
I called again the evening of XX/XX/XXXX after learning that the settlement date would have to be moved without the funds and likely cost {$1500.00} for a rate lock extension as the rate expired on XX/XX/XXXX. The delay would also jeopardize the purchase of the home as there were several other offers on the house. 
When I called the evening of XX/XX/XXXX I was ultimately transferred to the bank 's Executive Response Team ( ERT ) after indicating I would be filing a complaint with the CFPB if this was not resolved in time for settlement on the morning of XXXX. 
In speaking with the member from the ERT she informed me the best she could do was have a manger call me back the following day, XX/XX/XXXX, and that those deposited funds could be made available within XXXX days with an expedite. 
As of XXXX am EST on XX/XX/XXXX I am still without those deposited funds. My deposited funds have not been available to me for 7 days with no resolution identified. I believe USAA is denying me the use of my deposits within a reasonable amount of time and this is potentially going to cost to incur additional expense in the form of a rate lock extension at best, and losing this home and restarting the search for a new home in a challenging market at worst. The situation is unacceptable and USAA 's lack of urgency in returning these deposited funds to me is insufficient and extremely disappointing for a for what is regarded as a trusted financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Great Lakes refused to remove an email off of my account ( first rep said she would remove it XX/XX/XXXX XXXX am. second rep called it out and said they had to leave it on XX/XX/XXXX XXXX ( even if I DID NOT give the EMAIL to them??? ). Doesnt make sense!! 
Prior to these dates that I called both dates Great Lakes requesting loan information and when I spoke to rep she verified me and called out an email that I did not give to any loan servicer. That email was not on my account- I had none listed just a phone and address ( XX/XX/XXXX XXXX pm it confirmed something regarding my loan account - there has been access to my fafsa recently and great lakes account in past ( I received a mailing in a Great Lakes envelope with an online printout that only a user could access- not general things they send out. Also with fafsa I had to change email again because some one got in and changed it to either an old one ( hacked or another ) and I was only able to get in through my phone # but I shouldnt have because it was not verified on fafsa account. Whoever was in it they waited until I was in the hacked email and then they signed out ( it said I was signed in another location ). Late XXXX  I signed into fafsa and noticed XXXX promissory note gone ( XXXX and my name was hyphenated ) I was in there mid XXXX so I know it was removed between XXXX of XXXX. A rep from dept of Ed said it wasnt there anymore XXXX XXXX she was also was concerned about Great Lakes ( maybe even Nelnet I told her ) having my fafsa ID and told me to block account or change it. Its been crazy and I dont trust either servicer. Loan info mixed up based on documents I found - someone modified information on loan account - I recall Great Lakes asking me about my consolidation- who was it through-? if they owned it? Wouldnt they know? Totals off with loans they sent to Nelnet should be less and type of loans is wrong ( not flep ). My loan info is being manipulated and someone is pretending to be me am I supposed to not protest - inaccurate info/ loan info etc. each time I do I get backlash/ harassed and my phone compromised- etc more.. Did dept of Ed Great Lakes get Hacked they said they ( XXXX ) were letting go Nelnet and Great Lakes. We need help out here!!! I pray truth will come out soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
Around the start of XXXX XXXX Applied for an american Express gold card as a natural person and was denied. I called numerous times to figure out why, and the ONLY reason i got ( also received in multiple letters ) was that there was no credit score and no undisputed claims exist on my report. I was told to fax information regarding a reconsideration nd was still denied. 
American Express has violated my rights to credit as a natural person. and failed yo uphold the Truth in Lending. They fiegned being a " creditor '' but can not loan credit or money persuant to 12 USC 83.

Also violating 31 CFR 306.11 ( a ) ( 1 ) creating commercial paper using my social security number ( open ended credit plan ) which can also be construed as identity theft because i recieved no benefit from the use of my social as required by law. There, s a hard inquiry on my reports as well to support the use of my SSN.

Congress has declared that it is a grave thing for proper information regarding credit be given to consumers to restore the faith in the economy. American Express has violated my right to credit as a consumer and natural person. American express has damaged my reputation and caused harm to my name by posting on my consumer credit file which bears the worthiness of my name. American express also violated the free credit reporting act by using my credit report in whole or in part of their adverse action and failed to provide a numerical reference. 
They lied in their responses saying they have rights to view my consumer reports. How is this legal without a subpeona or permission from me? 

I was violated and American Express has been no help. They tell me the laws don't apply. They said there is nothing they could do after I sent them the applicable laws. 

My reputation and RIGHT to credit are being trampled on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: FL

Complaint narrative:
I disputed this item with Equifax, XXXX, and XXXX on XX/XX/21, and XX/XX/21 and Equifax, XXXX, and XXXX have incorrectly " CONFIRMED '' this is accurate and Equifax is WRONG. 

Furthermore, Equifax, XXXX, and XXXX never sent me a response to either of my disputes yet it remains on my reports. 

However, according to the documentation I have attached from the creditor the WHATEVER WAS MISSING AND UPDATED is incorrect. This means Equifax, XXXX and XXXX didn't contact the creditor. Delete this item immediately. 

XXXX XXXX XXXX XXXX THIS ACCORDING TO THE REPORTING PARTY YOU WERE INSTRUCTED TO DELETE! Equifax, XXXX and XXXX have FAILED.

Company response to consumer: Closed with explanation