vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.

Complaint narrative:
Dear Madam, Dear Sir On Thursday XX/XX/XXXX an international wire transfer was initiated from XXXX with the intent to transfer money into a Ally Bank account. The money was wired to the following account : Receiving Bank : XXXX XXXX XXXX Bank, XXXX. 
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX SWIFT Code or Bank Identification Code : XXXX Beneficiary Account Number : XXXX as in accordance to Ally guidelines for receiving wires from a non XXXX XXXX However, the sender of the money made an incorrect entry into the " further credit '' field which is required to correctly forward the money into the intended Ally account Correct information : XXXX XXXX XXXX XXXX Information as incorrectly entered by the sender : XXXX XXXX XXXX XXXX Further information : wired amount : XXXX ( euros ) unique transaction ID as per the sender 's bank : XXXX sender 's full name : XXXX XXXX sender 's account number : XXXX sender 's bank : XXXX XXXX XXXX XXXX All attempts of the sender 's bank to stop the transfer proved unsuccessfull. The money left the sender 's bank account. Despite obviously incorrect recepient information Ally Bank does not cooperate in the process or returning those funds. I have already submitted a complaint on XX/XX/2018. Ally Bank 's response was that the money was received on XX/XX/XXXX, rejected and returned on XX/XX/XXXX. However, until today, XX/XX/XXXX, I have not received the money back. I will attach a screenshot of my account statement as of today XX/XX/XXXX. I will attach the original transaction and Ally Bank 's response to my first complaint. 

Essentially it looks like I am being lied to as any money sent or " returned '' from US on XX/XX/XXXX should have been posted in my account long ago. This was confirmed by my XXXX bank. They have never received any funds back. They've been trying to get in touch with both XXXX and Ally Bank about this issue and did not receive a reply.

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 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I was not in the hospital at the time claimed by the collector, please show written proof that was me, a copy of any state or government issued ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My complaint involves Santander Bank and their refusal to honor their zero-liability policy. They denied my claim for the very reason someone would file a claim. Apparently they denied my claim because the fraudulent charges were made within walking distance of my last valid transaction. I didnt know thieves were supposed to adhere to strict guidelines when stealing someones debit card. Also, they said the chip was used in the debit card. Hmm, when they stole my debit card they also stole the chip embedded inside the card??? No kidding, geniuss! Also, the PIN was used. Not sure how they got the PIN, but my last transaction was PIN-based and they could have seen me enter it. Who knows? The fact is, I didnt make these charges ... XXXX for {$17.00} on XX/XX/2018 Cash Withdrawal for {$800.00} on XX/XX/2018 Cash Withdrawal for {$180.00} on XX/XX/2018. Santander needs to protect their customers, not throw them under the bus.

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 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I want to complain about NORDSTROM I received a promotional email from NORDSTROM for a credit card application. Then I log in and apply. The results could not be approved, but I do not complain.

But I still receive credit card offers from the Nordstrom email app every day. I filled in the application again and the result was not approved again. I must complain and complain.

The fact that Nordstrom sent false e-mails to seduce me and cause my credit score to drop led to an additional investigation of my report and a negative impact on me. I was even more skeptical that my personal information was picked up by Nordstrom for other purposes.

XXXX XXXX XX/XX/2018 THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I was not in the hospital at the time claimed by the collector, please show written proof that was me, a copy of any state or government issued ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: KS

Complaint narrative:
Yesterday, I transferred money to my sons bank account in the XXXX. The receipt said that the date the money will be available in the receivers country is today XX/XX/XXXX. It is already XXXX right now in the XXXX  . My son was getting crazy back and forth to check if the money is already in his account but nothing happened. Today is his college enrollment and he went home empty handed. He was already in school since morning waiting for the money to come but nothing happened. Ive been sending money to him almost every month but this is the first time it failed to deliver. I need some explanation what had happened. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
My auto loan is with Wells Fargo Dealer Services since XX/XX/XXXX. The loan is almost paid in full. Please note, I have not worked much in XX/XX/XXXX due to a job related injury that I was not compensated for. However, I have always kept Wells Fargo informed if I had to pay late. I have noticed that after paying the interest, they never lowered the principal. I have asked through the years for reports showing my payments. I have paid late at times, but never defaulted beyond a 30 day period. I have paid every month and lately I have paid more than once a month since I went back to work recently. My balance was {$1000.00} in XX/XX/XXXX. I have 2 letters threatening me of action for default. One dated XX/XX/XXXX and the other dated XX/XX/XXXX. I also was sent an invoice dated XX/XX/XXXX, showing a <higher> final balance of {$1400.00}. {$420.00} over the {$1000.00} balance they previously said I owed. I have received a XX/XX/XXXX dated invoice showing I now owe {$1400.00}. I made 2 payments, one in the  amount of {$350.00} and the other {$350.00}. I also noticed they have charged me {$360.00} in late fees on their invoice. Through the years they consistently charged me hundreds of dollars in late fees which I feel is illegal. I have phone records showing where they have called me XXXX and 4 times a day for through the years. They continue to send my deceased mother invoices and letters as well even after I gave them her death certificate when she passed n XX/XX/XXXX. How is this all legal ... .especially when I never went past 30 days late? Now they are still trying to bilk more fees and avoid my paying the loan off by raising the amount due because of their illegal fees. I want this investigated, I have reported them to the credit bureau because they have ruined my credit rating, and I intend on pursuing this through an attorney. Their abuse of customers needs to stop.

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 2018-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica
State: TX

Complaint narrative:
I have been charge 11 overdraft by Comerica bank, they manipulate the transaction in a way that this happens. They show me on the app that I have the money I spentwith my card and the next day they show their charges as they were charge into my account the day before I spend my money that showed me available. I know I am responsable for the ones that cause me two overdraft but not for all the other ones they are charging me. It just does not have any sense me causing me 6 other overdraft for XXXX-18 -XXXX dlares that a spent when in my account said they were available and they dont understand that all they said is that is not bank error. I have tried to talk on the phone with people I went to my branch manager and they dont even try to listen or understand that just because Im therir sistem shows no error. They even charge you overdraft if an overdraft causes another overdraft and it goes on an on if you dont have the money. Is not fair!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Original creditor was included in XX/XX/XXXX Bankruptcy-see attached XXXX XXXX which shows original creditor. Bankruptcy was discharged -see attached order.

In XX/XX/XXXX, Midland purchase this debt that was discharged thru Bankruptcy in XX/XX/XXXX.

They have been asked to provide debt validation and refuse to do so.

They have been provided with XXXX XXXX and discharge and refuse to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My XXXX  account shows a " Credit Report Alert '' for a closed Master Card credit card account I had with CITI, Citibank. The alert showed - Amount in h/c column is credit limit, this in the Account Type/Status. The Balance shown is {$920.00}. I contacted Citicards CBNA and followed their instructions to have the item removed from my XXXX  Credit Report. I sent them the information requested in XX/XX/XXXX( XX/XX/XXXX ), they then requested the same information in XX/XX/XXXX. In XX/XX/XXXX( XX/XX/XXXX ) I once again sent them the information they requested to correct this matter. Again they sent me a letter requesting the information, which I received in XX/XX/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 2018-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: AP

Complaint narrative:
XX/XX/XXXX I was moving coins between my XXXX and Coinbase account to transfer them out until I got an error and was logged out of the system. Trying to log back into XXXX it again gave me an error but this time showed a splash that I should contact support. I called the support line and case # XXXX was put in for me about my issue, XX/XX/XXXXI received a reply saying that " A manual review has determined that you are not eligible to use the Coinbase platform to purchase digital currency. Were sorry for any inconvenience that this may cause. We regret that we are not able to supply you with any additional information. Please note that we have not blocked access to any balance currently in your Coinbase account. While we can no longer process buy orders via our banking relationship, you may withdraw these funds at any time. Again, I apologize for any inconvenience this has caused you. ". 

After reading this I assumed that I could log into XXXX to retrieve my coins, I saw the same error and splash saying I should contact support. I contacted specifically XXXX  support this time due to me not knowing at the time that support for Coinbase and XXXX  were the same. Given the case # XXXX, I received 2 responses that next day the XXXX. One from Coinbase support saying that my banking limit had been increased to {$10000.00} and one from  XXXX support saying that they have received my request in reference to case # XXXX. 

My next attempts to get access to my XXXX account was just me calling support, being told that " my case is getting escalated to a higher level '', and that " they're waiting on a response from the specialist ''. The last time I contacted XXXX/Coinbase support about this issue was XX/XX/XXXX. Until today XX/XX/XXXX where I wanted to verify that nothing has changed, the support on the phone gave me the same spiel as I had been previously getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Filed a dispute XX/XX/XXXX for a purchase from XXXX XXXX XXXX XXXX for {$1500.00} which is a partial return from a total of $ 2k+. I asked XXXX XXXX XXXX to return the items as some of the items have arrived late. They gladly accepted the return and provided me with a shipping label. Now, they are saying they never got my items but this was after they sent me an email saying Thanks we have received your items and processing return. I then called XXXX XXXX XXXX  and filed a dispute. Charge was taken off my billing statement at that point and on XX/XX/XXXX I received a letter stating the merchant would not give me a refund because it was returned to the wrong address and they never received it. I then called and sent XXXX XXXX XXXX an email the same day with proof that this merchant provided me a return shipping label, a confirmation from XXXX tracking that it was delivered and a letter from XXXX XXXX XXXX stating they received my items. I called Chase back several times after this to check up on it and they kept saying to wait a couple billing cycles. So I did. Then on XX/XX/XXXX. I received another letter from Chase stating they would not give me my refund as it took too long to dispute. I then tried to call Chase back a few times and they kept telling me there is nothing they can do since the dispute is closed. I feel like they did not put in any effort to back me in this case. What else do i need to do to prove they received my items? I have provided them with all the documents they needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am disputing fraudulent items that are on my credit report due to ID theft. The reporting agency have failed to removed the items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 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: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
Disputed incorrect information with the Credit Bureau and 1st Franklin several times. The Company continued to report incorrect information. I asked for the Attorney and then they looked into what I had disputed after several months of disputes.

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 2018-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: PA

Complaint narrative:
Hunter Warfield Inc has a debt that was place by XXXX XXXX XXXX # XXXX in which XXXX XXXX is and in default for any amounts owed or due. XXXX XXXX did not show for court 2 times and the case that XXXX XXXX filed on me to go to court never showed up and the case was dismiss. My attorney also mailed XXXX XXXX a letter in which they never responded back to issues and I was not evicted and as the letter states owe any money to XXXX XXXX. XXXX XXXX received over 3 US Certified Mail that they did not respond back to in any way. If  the matter is not cleared up I'm filing a law suit on Hunter Warfield Inc & XXXX XXXX as to a debt that is fraud by Hunter Warfield Inc & XXXX XXXX as to they never came to court and the case was dismiss and they received a letter after court stating there was no money owed in any way. XXXX was also informed we could pursue going to court on other issues that there was pictures and the unit had mold and other issues that was verified by the insurance company that came in and access the property. The City Building inspections also came to the unit 3 times and XXXX XXXX played games with the city codes and inspections for not having a building permit as well as a list of things that they city building codes and inspections was on XXXX XXXX for 3 months before they obtained a building Permit for work they was doing. I'm giving finale notice to Hunter Warfield Inc that a law suit will be filed on them to the matter and for XXXX in default not coming to court and the case was dismiss as well as XXXXXXXX XXXX not answering the US Certified Mail that was mail to them 3 times with no response. the debt is not valid in any way by the courts or XXXX due to the case was dismiss and no reply back. 
And there is over 8 US Certified Mail going back to XX/XX/2015in regards to the matter as proof as well as XXXX XXXX XXXX XXXX XXXX reports and the issues the city had with XXXX XXXX as well as no reply by XXXX XXXX. 
Attach is court document as proof as letter that was sent out by my attorney with no reply from XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-16 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: AES/PHEAA
State: MO

Complaint narrative:
My unofficial credit reporting application XXXX  shows that my student loan was listed as delinquent in XXXX on the XXXX. It was immediately thereafter listed current on XX/XX/XXXX. 

I am on an income driven plan and due to issues with the recertification plan, it shows that I missed payments. 

None were actually missed, once all issues were resolved with the loan group, and I would like to see that removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16 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: STERLING JEWELERS, INC.
State: SC

Complaint narrative:
I have been making on time payments to XXXX XXXX XXXX Jared 's and they are not reporting to my credit report at all. The company has been saying that they are reporting to my credit file but it is not there.

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 2018-05-16 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:
Experian is reporting items on my credit report that are result of identity theft. I am victim of a organized crime ring where crooks stole my identity to obtain loans, credit cards and other things. I supplied Experian with a police report ( that I completed in person with a police officer at the police station ) and my FTC ID Affidavit which was signed by the same officer at the police station ( in person ). 

Experian deleted one account that was mentioned in the above legal documents. There are other accounts they did not remove which is a violation of my consumer rights. According to the FTC and FCRA, if a ID theft victim submits a ID Theft Affidavit that is signed by a police officer, CRA 's by law are required to block the noted accounts withing 4 business days of receiving notice. 

I spoke to XXXX at Experian 's XXXX, TX office who's part of " XXXX XXXX '' yesterday. She informed me that my police reports and ID Theft Affidavit were being verified by Experian 's security department. She then went on to say once the documents are verified they will block the noted accounts. Experian verified my reports yesterday evening however only blocked one item that was mentioned in the legal documents and not the other accounts. 

Not to mention, the accounts that they did not remove are not complete ; they are all missing important data such as incomplete payment histories, no monthly payment, statuses listed as " unknown '', balances left blank and much more. These errors causes my credit score to suffer and does not paint a complete picture to creditors of my credit worthiness. This in turn will cause me to not be approved for credit and/or receive higher rates and costs than usual. 

At this point I am starting to believe Experian is purposely being non-compliant and negligent, which is all grounds for a civil lawsuit pursuant to FCRA section 616 and 617. I am at my wits end, if these accounts are not removed immediately I will be left with no choice but to file a civil lawsuit in my county naming Experian as a defendant. Please note that if it gets to this point I will be inluding and asking for compensation for every error Experian has made on my credit report within the last 5 years- which is A LOT! I will also submit a FTC complaint and contact the Attorney General in both our states to rectify this problem.

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 2018-05-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been making on time payments to XXXX XXXX XXXX XXXX 's and they are not reporting to my credit report at all. The company has been saying that they are reporting to my credit file but it is not there.

Company response to consumer: Closed with explanation