vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I am constantly being harassed by XXXX XXXX XXXX XXXX It all started back in 2007 when I was a struggling college student. I needed assistance paying my rent for the month plus other Bill 's. I decided to take out a loan with Cash Call. It was the biggest mistake of my life! I began making payments toward the loan the following month, but then the payments became a burden for me. I was paying more than {$200.00} per month. I stopped paying on the loan as I could no longer afford to do so. Cash Call began to harass me, constantly calling me at home and at work. A representative from Cash Call called my manager at the XXXX XXXX XXXX XXXXXXXX, my former employer, and revealed to him that I had an unpaid debt. They calle multiple phone numbers at my place of employment, and they discussed my debt with my former co-worker, XXXX XXXX. Ms. XXXX told them to stop calling, and they would not listen. She had to inform our chief, and even when he spoke to them and informed them not to call again, they totally ignored his request. It was very embarrassing and humiliating for me. I then quit the job because I could no longer face my co-workers after Cash Call consistently called and harassed my co-workers and I. Then Cash Call sold my debt to XXXX  XXXX XXXX XXXX XXXX then continued the harassment. Constantly calling me on my cell phone and my place of employment. They also threatened me with a lawsuit. They have now obtained judgment against me in the amount of {$7700.00} for a nearly 20 year old debt! And the original loan amount was for {$2600.00}, yet XXXX is suing me for almost TRIPLE the amount! It was determined by the state of California and many other states, that Cash Call was a predatory lender. There was a Class Action lawsuit in California in which consumers who just like me took out a {$2600.00} loan from Cash Call and they were able to have their debt forgiven. I should have been included in this Class Action lawsuit, but because my debt was sold my name was not included. I am no different from those who had their Cash Cash loans forgiven. I was a victim of Cash Call 's predatory lending practices. And not only that, but I've been subjected to more than 10 years of harassment by both Cash Call and XXXX XXXX XXXX XXXX This has taken a toll on my mental and emotional health!!!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
TCF Bank announced earlier in XXXX that they would begin charging a {$4.00} fee for paper statements in XX/XX/XXXX. This fee would not be charged if signed up for online statements. On XX/XX/XXXX, I contacted TCF Bank to ensure that my account was signed up for online statements. XXXX responded via secure message on the TCF Bank website stating I was indeed signed up for online statements. 

On XX/XX/XXXX, I was charged {$4.00} by TCF Bank. When I realized this on XX/XX/XXXX, I immediately called and spoke with a female ( she did not provide her name ) who said she would reverse the charge and make sure that I was signed up for online statements. I questioned multiple times for assurance that I was signed up and would not be charged this fee again. She assured me and said she wrote it in her note about the call that I would not be charged this fee again. This fee was never returned, despite her saying it would be. 

On XX/XX/XXXX, I was again charged {$4.00} by TCF Bank. So now I have been charged {$8.00} by TCF Bank despite being assured multiple times that I would not be charged. 

They have a link on their phone app that says " sign up for online statements. '' After clicking this, nothing happens - their link is either broken or purposely made to not work. Once clicked, it goes to a " website thinking '' webpage and never leaves. Their internet website has no link to this what-so-ever. I feel TCF Banks actions are ILLEGAL and PREDATORY in order to steal money from their consumers. 

I have attached the initial response from XXXX I received in the TCF Bank Secured messages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: MS

Complaint narrative:
I havent been able to use my eppicard prepaid unemployment card because there has been a fraud alert placed on my card without my knowledge or notification. I spoke with the ms unemployment office and they said there is no issue on there end that its an eppicard issue. When i call eppicard they say there is a message for me and for me to hold. Over the last two weeks ive waited on hold about 6 hours and still never spoken to a live representative. I have tried everyway i know to speak to someone at eppicard and get fraud alert taken off and get a new card or whatever needs to be done because i can not access  my money that i depend on and this has been a huge disturbance in my life. XXXX and XXXX are my contact numbers and XXXX is my email. Thank you for your help, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Our family and the families of our cosigners are refugees and people with Limited English Proficient ( LEP ). 
When applying to Wells Fargo Bank and XXXX XXXX XXXX  for a student loan to pay for tuition at XXXX University, we did not receive any explanation from these Banks about the financial risks for the borrower and its cosigners. That is, no clarifications were provided either in English or in XXXX through an interpreter ( XXXX is our native language ). We were not told what amount of payments is expected and what consequences the delay in payments, the inability to make payments, and so on will entail. It seems that Banks are simply trying to involve more people in the process of obtaining a student loan for their greater safety, that is, Banks put their financial security first, and not the financial security of their customers. 
As practice shows, when requesting a credit line, any bank limits the amount of the loan and this is not considered discrimination. This is a concern for the financial security of the borrower. 
Wells Fargo Bank lent a huge amount to a refugee with a green card, our son XXXX XXXX ( Account Number XXXX ). If, after checking our status, we were denied a loan for study, it would be correct, we would not think that this is discrimination, but it would not lead to such disastrous consequences for our family and 4 other families of our cosigners. 
We paid the required amounts on time throughout the entire time. We continued to behave responsibly towards Banks and our cosigners. We made several full payments in XXXX XXXX XXXX  and Wells Fargo Bank even while our son was still studying and Wells Fargo Bank demanded payments, violating his Don't pay while you study principle. We continue to make payments to XXXX XXXX XXXX, but our financial resources have run out. 
In addition, Wells Fargo Bank sends bills by mail on the same account to different people, for example, on the XXXX line, on which XXXX XXXX is the cosigner, he and XXXX XXXX, who is not related to this line, receive bills. 
Now our son can not find a job, because in connection with the COVID-19 pandemic, employers will extend staff reductions, not hiring, Again, we were ready to pay off the student loan debt in accordance with our income. But now, given the dismissive attitude of banks towards us as their clients and their unwillingness to provide us with any assistance in a difficult economic situation, we consider it fair to cancel the existing  contracts for student loans.

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 2020-09-21 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have a loan with XXXX  XXXX XXXX XXXX, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, MIDLANDMCM, and XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have a loan with XXXX  XXXX XXXX XXXX, XXXX, and PORTFOLIO. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, and PORTFOLIO with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is the 4th time I am disputing the medical collection account for {$380.00} with XXXX XXXX XXXX with Experian for multiple violations of the FCRA. 
**I have disputed this myself each time, and still am, and there is no 3rd party or credit repair service involved in this request. I, XXXX XXXX, affirm that I am submitting this dispute complaint on my own behalf. 
Violation # 1 ) XXXX  will not provide proof of this alleged debt, yet continues collection activity and credit reporting, and verifies as accurate when disputed. 
Violation # 2 ) Experian has failed to perform a proper investigation. I have disputed this debt three times with Experian, who is now dismissing this request as frivolous and continues to allow reporting of an alleged debt that can not be validated.

Violation # 3 ) There can not be a Past due amount reported on a Collection account, yet my report shows Past due {$380.00}.

I have disputed this Medical collection debt multiple times with XXXX and asked for validation, and have filed a CFPB complaint against them. ( see attached ). As of XXXX, I still have not received proof of this debt, nor a copy of the original bill from the original creditor. 
I have also contacted the original creditor, XXXX  XXXX, and they have no record of this debt. 
I have disputed this debt with Experian multiple times, and have filed a CFPB complaint against them. I have also sent copies of all my dispute correspondence with XXXX to Experian several times now, as proof that I have already disputed and attempted to resolve this on my own with CMRE with no success. 
I have also requested XXXX Method of Verification regarding this debt on XXXX, with no reply. 

This is the last time I will ask for removal of this account from Experian. If this account is not deleted from my report within 15 days of receipt of this complaint, the next correspondence will be from my attorney. IT IS ILLEGAL TO CREDIT REPORT A DEBT THAT THERE IS NO PROOF OF. 
**XXXX  has already removed this account from my credit report, but Experian will not. See attached confirmation.

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 2020-09-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion did not follow federal law. The company currently reports multiple inaccuracies on my credit report. 

XXXX XXXX and associates Original creditor XXXX XXXX XXXX, inaccurate & Unverifiable information Original creditor XXXX XXXX, misleading, inaccurate a violation of FCRA rules. 

Account continues to reappear on my credit report without notice, a violation of FCRA rules section 1681.

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 2020-09-21 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: CA

Complaint narrative:
XX/XX/2020 RE : Returned Items ( 10 ) masks to XXXX for late shipment Pursuant to my phone conversation with a CS agent at the merchant XXXX, They lied and were unable to locate my order and it arrived nearly 3 months late. I have disputed this with my Chase business card bank and they told me to return the masks back even though 1. The XXXX website states they don't accept returns, 2. I had to pay shipping both ways for a mistake they made. 

I originally purchased this order in XXXX and it was promised to be delivered via XXXX XXXX within 5 business days. I paid an extra charge of {$11.00} for this expedited service. 

When it did not arrive within the promised date, I contacted customer support via messaging system and spoke to XXXX ( At XXXX ) He again lied, and said it will arrive by XXXX  XXXX soon ... my first order arrived in XXXX and the second almost the end of XXXX. Not by XXXX XXXX  but by USPS ... This is totally unacceptable!

On their site they state returns are not accepted so I did not return it right away even though I had already made alternative plans ( purchasing masks from another vendor ) so I did not return ... but after speaking with a Chase CS rep, they had instructed me to return these masks. 
Today, I have put them into a poly mailer envelope and stuck 5 dollars worth of stamps on it to be returned to their address on file on their " About Us '' link at XXXX XXXX XXXX XXXX XXXX NY XXXX. I have asked Chase to Please remove my charge of {$72.00} permanently. The company XXXX is a scam. I no longer have any use for their fake masks! My Chase Bank is J.P Chase Morgan : XXXX XXXX XXXX XXXX DE XXXX and my account that was charged ends in XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Western Union is the financial institution that opperates in XXXX. The problem is that XXXX Americans living un the UA need to help our families there, so se send money through WU in USD and the WU complete the transaccin instruccin CUC the cuban currency that has no value. Why not given our famlies in XXXX USD instead of cuban CUC?  The exchange is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XXXX approximately XXXX XXXX  I attempted to log onto my Coinbase account from my laptop computer. The process includes a 2 step verification in which they send your phone an sms message. During the log in the code they provided did not work. I tried to log in again and the same thing happened. I was prompted to change the password. After changing the password I became locked out of both my mobile account and the laptop I was trying to log in with. I then tried contacting coinbase through their chat which seems to be completely automated and run by a robot only. I then tried to call to speak with a person only to find the number is solely for compromised accounts and you still can not talk to an actual person. I then contacted support through an email in which they replied they would look into it. I then had to complete a recovery process. After completing the recovery process I was then told it could take 48-72 hours to reinstate my account. In the world of stocks and crypto that amount of time is unacceptable. I have now  been forced to watch my money plummet well over XXXX dollars with no way to access my portfolio or sell what I do have to prevent further loss. Due to the fact they have blocked me out of my own account all I have are screenshots of where my account was at approximately XXXX XXXX  on XXXX. I have bank record of money invested and if they ever open the account back up I can provide all the transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
No response, at all.

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 2020-09-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
No response, at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: VW Credit
State: NY

Complaint narrative:
I have a leased XXXX. I am never late. Covid caused XXXX to place accounts in limbo and payments showed XXXX due. As I do not like to miss payments, I nonetheless made a payment in XXXX for two months and mailed it in to their address since it showed nothing due online. See the copy of the payment I just scanned into my computer. Instead of posting this payment, they have reported me late. I am aghast and I never miss a payment. I will now pay the entire amount allegedly due from their website to stop further incorrect and negative reporting. 

Please note it's an XXXX lease it's apparently serviced by VW credit. It's even more aggravating considering we are all facing a plague and they unilaterally showed a XXXX balance for months and no payment due and then, in what appears like a self-fulfilling prophecy for financial gain, report you late and fail to post your payment. 

Most egregiously they fail to send any communications to account holders regarding how they are handling the plague or alleged late status. 

Ugh. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
I transferred money to my bbva account from an external account on XX/XX/2020. I received a message from my external account that it was Sent and the time it was sent and when it arrived there. BBVA however have not posted the funds even after they opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP
State: PA

Complaint narrative:
US Bank Reliacard Account was put on hold XX/XX/XXXX. They asked for government ID because of large scale fraud in the state of PA. Government ID faxed XX/XX/XXXX. I was told it would take 5 business days to free account of hold. On the 6th day of the hold I was told it may take 10-15 days. I am on unemployment for the 1st time in my life. Our credit is being hurt and we have had to liquidate most of our IRA. I am only XXXX years old. I call US Bank every business day. They can not help me with any answers.

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 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I don't know who this company is. They never leave a message and it's a robot when you pick up. They call every day including Sundays before XXXX and after 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 non-monetary relief