vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc
State: NJ

Complaint narrative:
1. I received an alert email from the credit institution this morning on XX/XX/2018. 
2. A collection agency suddenly put {$4800.00} on my credit report. I do not recognize this amount and did not receive any detailed information although I requested that they should send the the detailed one to the attorney.

3. When I was terminated by phone suddenly on XX/XX/2018, although there was no debt but {$1000.00} credit I could not receive my credit amount when terminated. 
After several month, the company forwarded the sudden debt to the collection agency, XXXX XXXX & XXXX XXXX without any notice. 
4. Please delete immediately the collection amount on my credit report. That's not my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial received payment from XXXX XXXX on a GAP claim in the amount of {$6500.00} on XX/XX/2018. It took them two full weeks to process the payment. Since I had been making payments during the very extended claim process with XXXX XXXX. The payment of {$6500.00} resulted in an over payment of {$2100.00} on the loan which should have been refunded to me. I have confirmed with XXXX XXXX and they stated the payment made to Ally Financial was from the date of loss and any over payment should have been refunded to me by Ally. The overpayment has not been sent back to XXXX XXXX. I have made multiple calls to Ally Financial regarding this matter but still have not received the refund or even an explanation of why the funds do not show as a positive balance on the account.

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 2018-12-21 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: NC

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2018 I went to Wells Fargo Bank in XXXX, NJ to make a cash deposit into my son 's account for XXXX. My name is not on his account, although we do have the same last name. The deposit amount was under XXXX XXXX dollars. 

I was told that Wells Fargo does not allow cash deposits unless it's your own account. 

How is this legal? I understand that Wells Fargo has violated many banking laws in the past, and it seems they haven't stopped.

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 2018-12-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
GM Financial 's website for billing has been reporting incorrectly for the almost 3 years I have leased a car. It continually shows the wrong amount due and incorrect due dates. Example : Login to the webpage it shows amount due as {$310.00} then look at the electronic statement and it shows {$290.00}. Consumers would be unsure as to what amount is actually due. Now at the end of the lease it shows {$750.00} due and no statement for XX/XX/XXXX. I called and they said I only owe {$140.00} ( which I paid ). I do not trust this company at all and I'm sure there will be more charges even though they tell me this XXXX 's out my account. This is very confusing and I have been very diligent to pay attention to statement amounts instead of the website but I'm worried that others would incur late payments and other financial hardships based on misinformation. This is very bad business. When I asked about this several times the only answer I got was they are working on it or they don't know why it shows this. I have talked to other GM financial customers who have similar stories. This needs to be investigated for predatory lending practices. I work for a large financial institution and if we did business like this we would be in trouble.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I was notified about a loan taken out in my name at CashNetUSA. CashNetUsa would not assist without a police report. I have filed a police report and sent to this company as they requested. I have spoken with their Fraud department and was told they would send the details on the application that was fraudulently completed in my name but have not received it. They stated they would send this two weeks ago but it has not been received. I have left multiple messages for their fraud line with no response. I have called the corporate offices and have gotten no assistance. It is very frustrating to be a victim of identity theft and get zero assistance from the company. This company seems more interested in helping the criminals than the victims of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/18 I opened an account with a promotional code. 

As of XX/XX/18 I have satisfied the requirements for this promotion which were to fund the account with {$2000.00}, have 5 transactions, and maintain a {$2000.00} balance on the 60th day of account ownership ( XX/XX/18 ). 

On XX/XX/2018, I contacted customer support regarding this issue and they stated that there is no promotion attached to my account.

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 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A mobile deposit was made into my personal checking account and thus a bank hold was placed. 
This transaction took place on XX/XX/2018 for the amount of {$1000.00}. 
Noticing this bank error I called Chase to inquire why is a hold being placed on a check in an account where ( 1 ) there has NEVER been a non-pay deposit and ( 2 ) a deposited check routing number that had previously passed through my account?

Chase APOLOGIZED and released the hold immediately. 
In the mean time - ( 3 ) NSF occurred on XX/XX/2018 for items that presented against the account - when the bank hold error was placed. 
Spoke to XXXX in XXXX, OH. ( XXXX XXXX CST ) who was totally nasty from the onset of the conversation and refused to listen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was checking my anuual credit report and noticed 3 mistakes in equafax report. First there was information about a credit card taken out in XXXX under my name with XXXX and couple of other places i never did any business with. Theres also a car lease in XXXX, meanwhile i was not driving, as my licence was suspended at the time. Theres also history of a college loan. This is a nightmare. I am unable to live a fullfilled life becouse my private informatio was compromised, social security number was stolen and used for fraudemtial purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: NC

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX XX/XX/2018, I made an online payment with Citibank for my Universal Card. I  received an email with confirmation number XXXX that the payment was made successfully. I owed {$2.00} and paid {$3.00}. Citi said the payment confirmation is a " pending '' or something like that, which is not stated on the confirmation. 

On XX/XX/2018, I received an email from Citi requesting a call to them about collecting a debt of {$25.00}, which was the {$2.00} plus a {$25.00} late fee. They said my bank XXXX could not process the payment because the account number was entered incorrectly or something. 

I went to the website to determine what was going on, but it would not let me proceed to any screens without making a payment, despite the fact that I was disputing that I owed them any money. I called them but could only get their debt collection section not regular customer service. Debt collection could only process payments and not address any other issues. 

I recorded the phone call with citibank and spoke to 3 different employees. I requested they not call me about late payments. I was told their policy is that they would not call me about anything including fraud. I stated they could not place me on a blanket do not call list because I wanted fraud protection and that they were required by federal law to protect my card from fraud. They refused. I was told they could send text alerts about fraud. I was told they could not guarantee that I would not text about other issues, when I asked about receiving texts only for fraud. 

I requested a copy of this policy and was told they did not have to provide it as a matter of Georgia law. I stated they did have to as a matter of Federal law if they are breaking the law. 

I asked about removing the late fee, when I had a confirmation that I had paid. They refused. I said that was a violation of the credit reporting act. I said it was a violation of State of Georgia law as well. 

I tried to review the data online but their site did not allow me to do that nor edit the data, so I added the account again and paid them the minimum it would let me pay which was {$5.00} on XX/XX/2018. They said they make the phone call so the account is not past due, but they did not call me until the account was 6 days past due. 

I should not be forced to pay any disputed amounts, until a determination about what happened and how it happened is completed.

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 2018-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Good Morning, My name is XXXX XXXX and was a co-signor on a Line of credit ( unsecured ) with another individual, XXXX XXXX. 

Th Bank Involved : PNC He and I used the LOC for business expenses associated with a Company we both owned at the time. 

However, this a personal LOC and not a business loan. 

The amount was {$150000.00}. 
Bank : PNC Loan number : XXXX Persons involved : XXXX XXXX ( co loan guarantor ) XXXX XXXX ( PNC VP Lending ) XXXX XXXX ( PNC VP Lending ) XXXX XXXX PNC co-signer XXXX XXXX ( PNC Branch manager XXXX ) In XX/XX/XXXX I left the co-owned company and filed suit against my business partner when I left. 

As the personal LOC was used for the business, XXXX XXXX used the Company to continue to make payments on the personal loan. 

Then, in XX/XX/XXXX XXXX XXXX entered into an Agreement ( without my knowledge, signature, or any form of written consent i.e. email notification, settlement agreement or anything ) with PNC to pay half the Loan off ( {$75000.00} ) and charge off the rest ( {$75000.00} ). 

Again, I never gave consent for any of this. I was then informed in XX/XX/XXXX that my credit report ( XXXX  ) had me listed on the loan with the charge off when I applied for a mortgage on a new home. 

It has been reported to the credit agencies that I was involved with the charge. 

I repeatedly attempted to contact XXXX XXXX and XXXX XXXX ( both from PNC ) involved with this charge off settlement I had no knowledge off. They NEVER responded. 

I filed a complaint with PNC and nothing was changed in my credit report. 

I also have a signed sworn affidavit ( which I am uploading to this complaint ) by XXXX XXXX that without XXXX XXXX ( XXXX XXXX XXXX knowledge or consent, I ( XXXX XXXX ) negotiated a reduction in the payoff amount line of credit with PNC bank, which PNC accepted My credit has now been ruined, caused by a unilateral action between PNC and XXXX XXXX without my knowledge or consent on an action that has materially harmed me in not qualifying for a home loan. Had I been informed or copied on emails Mr. XXXX and Ms. XXXX XXXX Of such negotiations I would have never agreed to this unilaterally executed Settlement. 

I contacted PNC XX/XX/XXXX for the last time and spoke to a XXXX XXXX who essentially told me to file with the CFPB. 

Furthermore I am uploading an email from XXXX XXXX to Mr. XXXX and Ms. XXXX agreeing to accept the Settlement offer which included the charge off without an email, call, letter to include and inform me of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Saw on my credit report that there is a collection for {$970.00} but I don't know what it is for since I did not incur this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
A debit of {$100.00} was sent to Trident Asset Management from XXXX, for an allegedly transaction back in XX/XX/2015. I have no knowledge of this site nor ever used it, therefore I dispute this charge. I have received letters from Trident Asset Management with offers to pay it off with big discounts, but the charge is not mine and they never provided proof that it would be mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Disputing a Hard Inquiry from Capitol One on XX/XX/2018 never had Capitol One or tried applying for Capitol One tried to dispute error on XXXX  and called the number they gave Me but issue was never resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MO

Complaint narrative:
I purchased my home in XX/XX/XXXX. Last year I was hit with a XXXX dollar property tax bill. The previous owner upgraded the house using a pace loan and didn't end up paying the lien off before the XX/XX/XXXXtax bill. The Missouri XXXX XXXX XXXX did everything in their power to help me. They reimbursed me XXXX dollars which was the extra amount included in my taxes. My Mortgage company on the other hand has done everything in their power to keep me paying a double mortgage rate. They did the Escrow analysis last year in XX/XX/XXXXon my loan. I started paying double the mortgage because I had to get the Escrow account back to even because of the increased property tax bill. Soon after that I found documents on the XXXX County website that stated the lien was removed from the house. I sent those documents to my Mortgage company and they told me it was not enough to prove that the lien was paid off. In XXXX they said they needed a XXXX tax bill to prove that the lien was gone. Well I waited till XXXX, paying double the mortgage the entire time, sent them the new tax bill and they paid it on XX/XX/XXXX. The last time I contacted them on XX/XX/XXXX they said that my Mortgage would drop back to normal in XXXX. I just got my latest statement and they are still charging me double. At this point I have paid more money into my escrow account than I have paid in interest and principal combined. I haven't actually " lost '' any money yet but I have been living paycheck to paycheck for the last couple months and I have had to go to bed hungry way too many times because of them. The negligence and unwillingness to help customers is pathetic. I hope that no one in this state ever has to deal with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted my Barclays Ring card to initiate a balance transfer of {$7500.00} from my Barclays card to my XXXX card. The transfer processed on XX/XX/XXXX, but they incorrectly transferred a {$7500.00} balance on to my Barclays card. At no time during my phone call was I advised that they were doing the opposite of what I explicitly stated I wanted. When I contacted Barclays they refused to reverse the charge. Further they insisted that I was responsible for the interest payments on my grossly inflated balance. This is the second time Barclays has incorrectly executed a balance transfer ; upon opening the card over a year ago they processed the same balance transfer twice, and also refused to correct. Perhaps they should remove themselves form the balance transfer industry

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 2018-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
When a payment is made to a XXXX  Store credit card, it can take up to 15 days for the payment to reflect back as available on the account. Yet, the payment was withdrawn from the payment account immediately. 
This practice is not on the terms and conditions of the credit card account,.

Company response to consumer: Closed with explanation