vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF THE WEST
State: GA

Complaint narrative:
On XX/XX/XXXX, my son asked me to co-sign for an RV.  I agreed to co-sign and completed an on-line application going to XX/XX/XXXX.  XX/XX/XXXX Finance Manager was going to review my online credit application and work to get my son and I approved.I submitted my online application to reflect that I am working as an XX/XX/XXXX making only $XXXX per month, $XXXX per year.  I was unsure how I would aid in financing as a co-signer with limited income, but did it anyway to support my son.I learned from my son that we were approved.  I was quite surprised, but thankful to support him.  On XX/XX/XXXX, I traveled to XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX, FL.  I learned late in the day that the co-sign was not possible that I would be the sole borrower.  I went into total shock as I was told by my son that it was a co-sign.  The RV Finance Manager had never spoken to me, texted me, arranged a conference call or emailed me to inform of this change.  I only make $XXXX a year and could not understand how I was approved for a loan that is over $XXXX per month.  I was in a mental state of XXXX and shock and did not make logical sense.  The finance manager did not go over the paper work, but had me sign in my distress.  When I returned home to XXXX, GA, I received a copy of the contract to learn that my loan had been approved with false income.  The online application that I submitted was confirmed by the VP of XXXX XXXX XXXX, XXXX XXXX and proof of my submission sent to me via email.  I have it attached to the complaint.  XXXX stated he would work with the bank to reverse the loan and we would work to return the RV, obtain back the $XXXX downpayment and he was holding my son's trade in XXXX XXXX   van with the wholesaler he had sold it to.  After XXXX  worked with Bank of the West to attempt to undo the loan , they stated that they would not reverse.  I continued to work with XXXX  with no resolution.I am a victim of a form of identity fraud, lending fraud and now have a XXXX debt that should have never been approved by the bank.  I was intentionally blindsided by the XXXX XXXX XXXX  They never briefed me on anything and only worked with my son and his ex-wife.  The bank should have audited my online application and confirmed the income to be valid.  Someone changed my gross income of $XXXX per month to be $XXXX net income per month.  I am unsure who was responsible for this, but XXXX XXXX XXXX did confirm that they terminated the Finance Manager for the wrong doings in this sales transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB Experian responded to the dispute on there web page as up dated but there was no date showing an investigation. Experian has been sent 3 times the document from XXXX XXXX to remove this account from trade line and they refuse I request that an investigation in to the dispute by you it seems they refuse to delete this account enclosed is there up date and you will see what im talking about. both XXXX stated they do not own account therefore can not report on it, XXXX XXXX states remove account. experian please explain your action to CFPB and remove 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 non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo mishandled a dispute I had with a charge on my account. Spent many hours on the phone and many emails were sent. At one point the manager of the fraud department offered to give me $XXXX FREE money to cancel the dispute. I declined this offer and further sent more documentation. They then cancelled my account in the middle of the dispute and then reopened an account that I had NO record of with a completely different account number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: LA

Complaint narrative:
I sent over inquiries that wasnt done by me. Im victim of fraud. Activities that was done online. All the other Credit bureaus removed it but Equifax. We been going about this for two months. Also I been victim of their data breach. They told me to call the creditors. Creditors telling me Equifax supposed to remove those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I contacted Availiblue and let them know that I was involved in an auto accident and I was not working my full schedule and therefore unable to make my payments and if I could work out something where I could restructure the payments or make a lower payment. I was told that this is not the way the company does things and I would be responsible for the full payments. I have now gone into default because the company wouldn't work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian is still reporting accounts that have been requested by the debt collection agencies to be removed. Experian refuses to delete this information or stating my disputes are duplicates. I have uploaded the actual documents from the collection agencies that shows they have requested Experian to delete the accounts from my credit report but Experian continues to report these accounts anyways.

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 2019-09-10 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/XXXX i had serious XXXX XXXX. XXXX XXXX XXXX XXXX. Fell behind in monthly payments to Barclays card account # XXXX. Caused by not working during this time of recouping from XXXX '. Called Barclays to discuss hard ship account handling as they offered me assistance. Notes of telephone chat on XX/XX/XXXX are included. Clearly understood what i heard from rep over tele thus my notes are accurate. Rep ' name was XXXX ( spelling? ) at Barclays. I started paying agreed to payments right away. EAch subsequent month was paid on time. THE ISSUE, WE AGREED TO DUE DATE BEING XXXX-XXXX BUT THEY show due date as XXXX. I'm retired so i only receive pension income once monthly on XXXX wednesday. The due date agreed to would allow me to ALWAYS BE ON TIME by XXXX monthly. They've reported me late every month now under their HARD SHIP agreement, to each of the bureaus. BArclays has caused me great harm in their poor handling of this HARDSHIP account. NOT once have i been late on ANY monthly payment due date of XXXX. Further, they have added to my balance other charges NEVER agreed to. ALSO, bank records are proof herewith that each and every monthly payment was on time for the agreed to due date of 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 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XX/XX/2019 an IC SYSTEMS posted a default cable debt of {$920.00} in another city in TEXAS that I've never lived. Someone has my social and name and is opening CABLE accounts. 

you can check my credit and personal records- I'VE ALWAYS LIVED IN THE SAME HOUSE FOR 17 YEARS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: TN

Complaint narrative:
I tried to pay off my loan through Hyundai Finance on XX/XX/XXXX. Hyundai sent me an email on XX/XX/XXXX to tell me that the payment did not process through my bank due to some error in the routing or account number. At that time they also imposed a {$30.00} NSF fee. 
I then called Hyundai Finance customer service and spoke to " XXXX '' who said that he would waive the fee if I paid off the loan including the fee, through him that day. I did and when I asked how the waived fee would be refunded he told me that it would come in the form of a check via US mail. 
After waiting until XX/XX/XXXX and after receiving the clear title in the mail, I called Hyundai Finance again to as when I could expect the check. I Spoke to another " XXXX '' who told me that the refund shows up in the account, but it's " just sitting there. '' He then attempted to transfer me to a manager to verify when the check could be cleared and sent. Unfortunately, my call was NOT transferred ; I was disconnected. I waited a few minutes to see if anyone would call me back but no one did. I called them back and was connected to " XXXX. '' After explaining my dilemma, she put me on hold to check into it. XXXX also said the refund was " sitting there, '' but couldn't process due to the loan being closed. She then said she would send an email to the payment processing department asking them to take care of it and also for them to contact me to advise the status. 
Nothing was done and no one called or emailed me as of today so I called once again and asked to speak to a manager and was transferred to " XXXX '' who asked me to explain the issue again even though he said he had the history pulled up. I did so and his response was that they simply don't send refunds after the account is closed. The conversation ended with my telling him that my next contact would then be Consumer Financial Protection Bureau and him saying " fine. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Last night on XX/XX/19 I went to the gas station to get gas, PNC overdrew my account while getting gas because the systems werent correctly updated with my funds. I checked my online account at midnight on XX/XX/19 to see if there was a negative balance since I knew it let my account get possibly overdrawn to XXXX, instead of stopping the gas pump like it usually does. This morning when I looking at my account there was a small negative balance + {$36.00} overdraft fee. 

PNC systems never update ( on their online or mobile systems ), so it doesnt show your correct available funds, leading to and overdraw of one time debit card payments when not authorized to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I would like to settle my debt, however the phone number has been disconnected CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: NJ

Complaint narrative:
The Discover Card advertised a 0 % for 18 months on balance transfers. When I called the company to ask what the amount of the first payment, it was double the amount of what 0 % would be. Instead of 0 % of XXXX the total balance, which would be a {$61.00} monthly payment, they said the monthly payment was {$120.00}. They said I am being charged 2 % of the total balance. They did not state of disclose this in the application and terms and condition when I applied for the card. This is misleading and predatory lending by not making it clear the terms of the card, and enticing applicants to believe they will be paying 0 %, which I was lead to believe by lack of disclosure on the part of Discover Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The week of XX/XX/XXXX i phoned USAA to ask what was the best way to set up a Bill Pay and have a live checked mailed to the USAA Branch for deposit into another USAA Members Bank Account. The representative advised me to make the payment payable to USAA Federal Savings Bank with the address of XXXX XXXX XXXX XXXX XXXX, TX XXXX, which i did. On Friday XX/XX/XXXX I scheduled a Bill Pay of {$500.00} to this Members account for deposit, which was, by no fault of mine, sent to the wrong line of business within USAA, This money was sent to USAA Property and Casualty electronically, instead of being sent to USAA Federal Savings Bank in check form as i put on the Bill Pay Instructions and now these funds are lost. I called Saturday XX/XX/XXXX and explained all this and the representative started a dispute, my account has yet to be credited. This was not my error and I should not be suffering and out {$500.00} while USAA researches their mistake! As of XX/XX/XXXX, I still have yet to hear anything so, I submitted a second dispute on USAA.Com and called after and spoke to a supervisor named XXXX at ext XXXX who assured me I would receive a temp credit while the dispute is processed and i would received that within the next day or two and it is now 3 days later and I still do not have a credit on my account. I have been calling XXXX for the last 2 days and have not received a call back from her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Accounts & Advisers, Inc.
State: IN

Complaint narrative:
The man I spoke with told me to pay them {$25.00} a month directly so my account wouldn't go to report on my credit. I told him I didn't have income. Now I have 11 separate accounts reported on my credit report, each medical date individually, instead of reporting as one whole bill. They sent me one letter with the explanation of my past due amount to XXXX XXXX XXXX. It is listed under one file number with American Accounts & Advisers , INC. and it should not be reported as 11 separate accounts. I feel like they purposely damaged my credit, even though I am still paying them monthly, because I told them I could not accept his deal. It should be listed as one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
On XX/XX/2019 I made my XXXX mortgage payment via online banking to my Loan Care mortgage. This money left my checking account on XX/XX/XXXX but the payment was never posted to my mortgage with Loan Care. Several weeks later I received a notice from Loan Care that my payment was past due and I paid it again immediately. 

I then requested that the missing payment be applied as well. I initially started this process with my bank who sent the payment to Loan Care electronically. They called, mailed, and faxed the payment confirmation information multiple times each to Loan Care but nothing happened. In XXXX I started working with Loan Care myself directly. I have called and emailed more than 20 times with proof of the electronic payment since that time. 

Every time I have called customer support ( most recently on XX/XX/XXXX ) I have been told by the support specialist that my proof of payment was received and that they will be posting the missing payment to my mortgage. And that I should see the payment posted the following day. I have been told that since early XXXX and I still have not seen the missing payment posted to my account. 

I have submitted everything needed to prove this payment was made but not posted to my account. I have submitted my bank statement showing the money left my account. I have submitted my mortgage statements showing the payment was never posted. And I have submitted Proof of Electronic Payment with a Case ID, credit trace #, batch # and file trace # showing the money was received by Loan Care. 

Can you please help me get Loan Care to post this payment to my account or refund me this money?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Key 2 Recovery, Inc.
State: IN

Complaint narrative:
I was contacted by mail from Key 2 Recovery Collection Agency in XX/XX/2019. The initial letter stated it was an attempt to collect a debt on behalf of Indiana XXXX University. I replied to this letter via postal services, asking for debt validation Information and proof of authorization to collect in the state of Indiana, because their office is in the state of Ohio. 

In XX/XX/2019, They replied to my request with a letter of charges and fees, but none of the information that I requested. They also failed to prove their authorization to collect debts in the state of Indiana. After receiving this letter, I sent a cease and desist letter to them via certified mail with a signature receipt upon acceptance. I HAVE THE SIGNATURE RECEIPT AND A COPY OF THE CEASE AND DESIST LETTER I SENT TO THEM AND PROOF OF ACCEPTANCE. 

In XX/XX/2019, Key 2 Recovery, falsely reported a collection account to my XXXX  consumer credit report. The information on the collection account states that their initial reporting to XXXX  started in XXXX of 2019, but the open date of the collection account is XX/XX/2019. 

Since then Key 2 Recovery, continues to falsely update this account information and completely ignore the cease and desist letter that I sent to them. The last time they updated the account was XX/XX/2019. 

This is a complete violation of my consumer rights. This company has shown that they are willing to violate consumer laws and collection laws and guidelines. I would like to take them to court and have these collection company closed for ignoring business laws, consumer protection laws, antitrust laws, and collection laws and guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The company IC System sent me a notice of a debt, I disputed and asked them to no longer contact me. The company totally ignored the law and sent me another letter that included a Driver License that violates the privacy act of sharing private/protected information with third parties. My complaint is the company deliberately ignored and broke the law by sending me a letter after I clearly stated in writing to no longer contact me. They also included protected information that should not have been shared with third parties. I have the letter as proof. Please help me for I am concerned they will continue to harass 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 explanation