vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I moved from XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. I contacted XXXX XXXX XXXX to notify them of this move and to find out about the transfer of service. I was told they did not offer Internet Service, Only XXXX XXXX. I wanted to have bundled services ( TV + Internet ) which they could not offer. Because they could not offer Internet Services, I was told that I could terminate my current services in XXXX without an early termination penalty, which I did. After moving, XXXX XXXX XXXX started sending me a bill for {$400.00} for the early termination charge, which eventually went to a collection agency, XX/XX/XXXX, XXXX XXXX XXXX XXXX. I disputed this claim and the debt disappeared from my credit report and I thought they had withdrawn their request for payment. On XX/XX/XXXX Diversified Consultants of XXXX XXXX began a second attempt to collect this debt. Again I Disputed the claim ( Report # XXXX ) but the Dispute results provided by XXXX  favored Diversified Consultants claim. I called Diversified Consultants to try to resolve this claim but was met by a representative of the company that only would tell me over and over again that I owed the {$400.00} and to pay it. I called XXXX XXXX XXXX and found that the debt had been recalled by XXXX XXXX XXXX, the dispute had not been closed in my favor. XXXX XXXX XXXX improperly charged me an early termination penalty and never provided me with a clear statement of why I should pay this charge since they could not offer similar services in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I opened a checking account with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I funded it with {$100.00} then on XX/XX/XXXX I deposited a cashier 's check for {$4000.00}. I waited and waited but never did receive my bank card. So, on XX/XX/XXXX, I called XXXX XXXX and they told me that they had sent out the card already. Then they told me that it had already been activated and used, all {$4100.00} had been withdrawn/spent. I filed a police report and filled out XXXX XXXX 's fraud paperwork. XXXX XXXX gave me a temporary credit, then they reversed themselves and said that I owed them {$4100.00}. They then sent me to a collections company called The Best Service Company. I sent them a copy of the police report. They then sent me a letter on XX/XX/XXXX stating : " Based on the information that you have provided, the original creditor and our company do not consider your dispute valid and therefore the collection process will continue ''.

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 2018-09-06 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: CA

Complaint narrative:
Equifax has been non-compliant with removing the unverified account Bankruptcy chapter XXXX-discharged XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy chapter XXXX-discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 I went to Chase bank to cash a check for {$14000.00}. Which was written by a chase customer. They told me they could not cash the check because the company had a check cashing limit and chase did as well. I was told that If I opened a checking account that I could have {$4500.00} that day and then the remaining balance would be released on wed the XXXX. After I opened the account the banker then told me that I could not have any funds that day that they would release the full amount on the XXXX. I was sent a debit card by XXXX  on the XXXX in which when I tried to activate the card they said the card was closed. I called Chase customer service and was transferred to the fraudulent service department and was told that my account had been closed for reasons they could not tell me. The lady told me that I could go to any branch and call the fraudulent service department let them know what branch I was at and they would contact that branch and release the funds to me. The following day I went in to the branch where I deposited the check spoke to the same lady that opened my account and she then told me that I could not have the money until the XXXX and I could pick up the funds at the bank that the check had to clear.I then called the party whom the check was written from and asked if they could void the check and write me a new one and they could not because they said the check had already been cashed.. I then called the fraudulent department to find out what was going on and they said that my account was being closed and that it took 10 days to close the account and that the funds would be released to me on the XXXX I then spoke to his supervisor who could not help me and asked to speak to her supervisor who then said he would try to contact the branch and request the funds to be released. He then said that they denied to release the funds and that a cashiers check would be overnighted to me and I should receive the check by the XXXX. This is unacceptable. They have stole my money and will not give it back. This has caused me so many problems is going to ruin my credit which I have been working on building for over a year and caused me hardship at home. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
I was looking for a small loan at a time of need. I was contacted by this company through my email after my search on XXXX. The loan was taken out XXXX for a XXXX loan. I have paid back XXXX. I have searched and tried to contact them and unable to reach. I can not find a copy of agreement which was never sent. I have paid close to double. The interest is ridiculous and im assuming a year which would take this 5 times the loan. This company is not realistic and a loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I opened a checking account with Golden One Credit Union on XX/XX/XXXX. I funded it with {$100.00} then on XX/XX/XXXX I deposited a cashier 's check for {$4000.00}. I waited and waited but never did receive my bank card. So, on XX/XX/XXXX, I called Golden One and they told me that they had sent out the card already. Then they told me that it had already been activated and used, all {$4100.00} had been withdrawn/spent. I filed a police report and filled out Golden One 's fraud paperwork. Golden One gave me a temporary credit, then they reversed themselves and said that I owed them {$4100.00}. They then sent me to a collections company called The XXXX XXXX XXXX. I sent them a copy of the police report. They then sent me a letter on XX/XX/XXXX stating : " Based on the information that you have provided, the original creditor and our company do not consider your dispute valid and therefore the collection process will continue ''.

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 2018-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: GA

Complaint narrative:
I was looking for a small loan at a time of need. I was contacted by this company through my email after my search on XXXX. The loan was taken out XXXX for a XXXX loan. I have paid back XXXX. At the time I was not aware i was approved. It was just deposited in my account after i submitted the application. I have searched and tried to contact them and unable to reach. I can not find a copy of agreement which was never sent. I have paid close to double. The interest is ridiculous and im assuming a year which would take this 5 times. BEWARE OF LOAN SHARKs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX I challenge the accuracy, compliance and reportability of this listing.I contacted creditors and was informed that these accounts were not verified. 

There are no contracts, no valid claim ... accounts were settled with original creditors grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow ... 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
TRANSUNION CREDIT REPORT : Report is showing the account XXXX XXXX XXXX with a Balance of {$100.00}. This account has had s XXXX  balance since the beginning of XX/XX/2018. It is showing correctly in the XXXX file. 
I have attempted to contact them and yo fill out their online dispute form but no success. I even emailed XXXX XXXX who instructiontef me to contact TRANSUNION directly and if no success file a complaint with you. I was unable to get in touch with TRANSUNION. I will attach a copy of the Statement for proof. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
My fianc was involved in an auto accident that has had him out of work since XX/XX/2018 and just recently had XXXX. I have been struggling to pay both of our bills with only my own income and I have informed all mine and his creditors about this. Toledo finance has called both of our phones multiple times a day and the manager, XXXX XXXX and others that work there have left harassing, threatening calls on both of our voicemails. They have also called my job multiple times and were told on several occasions that they are not allowed to contact me at work by myself, other coworkers, and even my boss. Yesterday, XXXX called again and was very rude to my staff and was very demeaning and demanded that she talk with me. After being placed on hold, she immediately called right back and yelled at my staff. She then came up to my job while I was at lunch and demanded them to give me paperwork and that I call her back immediately or else. Due to this, I was sent home for the rest of the day when I got back from lunch. This is very unethical and unfair practice. I had already sent letters to all my creditors last week explaining again our financial situation and asking that they all be patient with me. I have been in major emotional distress and even had to seek medical attention behind this. XXXX coming to my job and disrupting my place of employment yesterday by making the harassing phone calls, just added to that distress. This needs to be stopped and she needs to learn how to have a little compassion. Prior to the accident we always paid our bills on time. I just don't feel this is right and should be stopped before I end up losing my job behind it and then I really won't be able to afford to pay anything. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AUTOMOBILE ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
A fraudulent auto loan was taken out in my name stemming from my wallet being stolen some years ago. I have yet to have the matter resolved even after sending the credit bureaus and the financing company documentation.The account wasn't paid and is effecting my credit rating. I've suffered damages due to negative and inaccurate reporting and would like this matter to be quickly resolved with Automobile Acceptance and the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have too many inquiries in my credit report and i never give permission to run my credit to those creditors

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 2018-09-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
Dear Madam or Sir, After the passing of my mother, XXXX XXXX XXXX, My sister, XXXX XXXX, presented to Suntrust Bank, XXXX  branch a death certificate early inXX/XX/XXXX. At that time, my sister received her half of my mother 's account balances. As per the instruction of Ms. XXXX XXXX ( XXXX ) of the XXXX   Branch, I submitted a letter to SunTrust Bank, Account Closure Team on XX/XX/2018 to close my mother 's account. As per her instructions, I did not need a notarized letter because my mother 's combined accounts were less than {$25000.00}. I then received a letter from the account closure team indicating that I did need to send a notarized letter. I mailed the notarized letter back to them on XX/XX/XXXX ( overnight ) and it was received XX/XX/XXXX at XXXX in the morning per the post office.

As of today,XX/XX/XXXX I still have not received any check from my mother 's accounts ( XXXX and XXXX ). I have called, emailed, etc. XXXX XXXX several times ( and spoke to her manager ). I was told that they could only email the account closure team and that there was no phone number for myself or them to call to follow up. I spoke last with XXXX XXXX last week Friday,XX/XX/XXXXand was told that it appeared the accounts were closed on Thursday the XXXX. Again as of today, I still have not received a check and what is frustrating is that the XXXX   phone number is merely a call center that is unable to help and the branch where my mother banked claims that they have no phone number to provide me to follow up.

I am very frustrated because I can't plan a memorial for my mother until I receive this money. I am also upset with the lack of customer service available to me to resolve this issue. Please help me.

The Account Closure Team is located in XXXX,   TN.

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 2018-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
OnXX/XX/18 I realized that an error was made wherein an additional payment was made to my account. The balance on my card was {$320.00}. To avoid interest charges ( printed on my statement ) I paid the required {$100.00}. In addition to this payment an additional {$550.00} was also made. On that date I first tried to reverse the payment with my bill pay credit union ( XXXX XXXX XXXX XXXX ) to no avail. Thats another complaint for another day. I then called the stores ( Kohls ) customer service department and was told the payment hadnt posted yet. I called the next day and was told that both payments had posted but were unable to reverse or refund the additional payment. Note that this now gives me a credit balance of {$330.00}. On the following day after that, on XX/XX/18 I called yet again and spoke to a supervisor ( this after holding for one for quite some time ) and was told if I had called the previous day that {$550.00} payment may have been reversed. They saw I had called the previous 2 days and said they were sorry I received wrong information. Then told me theyd only send me the credit balance ( now they say is {$330.00} IN A FEW WEEKS! I feel this is wrong. I have since closed the account. I WAS a loyal customer for 15 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have too many inquiries in my credit report and i never give permission to run my credit to those creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have too many inquiries in my credit report and i never give permission to run my credit to those creditors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently acquired an new credit report from Transunion and came across several credit inquiries not authorized by myself. Initially, I thought I had a fraud alert on my account. I'm guessing that with a fraud alert, Transunion still openly shares credit files with any and all people. THIS IS KINDA JACKED UP. I have not applied for credit in over 2 years. Explain how these inquiries are on my report.

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 2018-09-06 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: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
The item listed by HMC group on behalf of XXXX XXXX is not a property I have every resided at. This property was occupied by someone else and was included in a bankruptcy according to the tenant. This is XXXX Case Number XXXX in the XXXX  district of Michigan. It should not be on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: SC

Complaint narrative:
On XXXX XX/XX/2018, I was issued a loan from MoneyLion for {$850.00}. To date, I have paid {$820.00} which has cleared and posted plus another {$200.00} which is in process for a total of {$1000.00} ( 5 payments of {$200.00} ). MoneyLion has received full payment of the {$850.00} borrowed plus {$180.00} in fees. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$850.00} loan, the fees collected should be {$120.00}. I have paid {$57.00} more than this amount. 

MoneyLion is still planning to collect another nine payments of {$200.00} ( {$1800.00} ). If I pay those remaining payments, I will pay a total of {$2600.00} for an {$850.00} loan. I will pay {$1800.00} in fees. 

This is PREDATORY, OBSCENE and APPALLING!!! MoneyLion preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL.

Once my fifth payment of {$200.00} is posted to my account, MoneyLion will have collected {$1000.00} on the {$850.00} loan. At that time, I want my account marked " Current/Paid in Full/Closed ''. I am requesting MoneyLion absolve me of the remaining 9 payments as that is predatory lending at its worst.

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