vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consolidated Management Group, LLC
State: CA

Complaint narrative:
Consolidated Management Group Called me XX/XX/2018 and told me that they were attempting to collect debt for XXXX XXXX, XXXX and that I owed {$240.00}, and the male representative at the time said if I didnt make a payment that same day on the phone that consolidated management group was going to send an investigator to serve me papers to pay what I owe and additional {$200.00} dollars because he had to come out to my house to serve me the papers. Way before I spoke with the representative a man said he was on his way to serve me debt collections papers and in order for him not come and serve them to me, that I would have to speak to a representative from consolidated management group. I called the phone number he had given me and thats when I was being threaten, and I didnt have enough money to give him the full amount. So, I tried to make a payment arrangement and he said no that he wasn't going to work out a payment plan with me but that I would pay him {$150.00} that week, and again he tells me and if I didn't they would send the investigator a long with the debt and I would have to pay him the full amount and on top of that the {$200.00} dollars for him coming out to serve me. That week I paid him the other half even when I was short on money, after, I had to go to my doctor for XXXX because I was afraid that they were going to send the investigator. My doctor from XXXX XXXX prescribed me XXXX pills. Then 2 weeks later on XX/XX/2018 my parents were going on a trip we left pretty early in the morning and I hadn't get home until XXXX. I checked the phone messages it was the same male representative from consolidated management group telling me if I didn't comply with the agreement he was going to send the investigator the following week if I didn't get back to him. I also noticed on the caller Id he called me four times a minute a part from each other. When I called him back I told him I wasn't able to make the payment and he said to me " oh well I guess I have to give your debt to the investigator so he can serve you the papers ''. I explained to him that I lost my credit card payment and that I was expecting the new card next week. He proceeded to tell me and yell at me if I didn't follow the agreement that he was going to send the investigator. 

This was unethical and abuse of business practice I shouldn't have to go to my doctor to get treated for XXXX because of threats from this company and its team member. I received a letter from consolidated management that I paid it in full the whole {$240.00}. I tried to down load it on my computer but I have trouble downloading the document in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, {$560.00} of available funds were in my checking account with SunTrust Bank. These funds were frozen and the account was closed. Through multiple phone calls and meetings with the branch manager, I was advised that even though the account was closed, the funds were unavailable to me and would not be available for up to 14 business days. This is completely unreasonable ; I have bills and rent to pay and holding on to funds that were deposited from my employer puts me in a major hard place. I have accounts with other banks and have never had anything even remotely close to this happen before.

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 2019-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: MN

Complaint narrative:
I had taken out a {$500.00} MoneyLion installment loan via their app back in XXXX of 2019. The most recent balance as of XX/XX/2019 was {$410.00} and change. The payment was submitted to pay it off out of my MoneyLion Checking account which is through XXXX XXXX XXXX. 
My direct deposit went into the account by XXXX XX/XX/2019 and MoneyLion holds the funds until my official " check date '' which is Wednesday, XX/XX/2019 ( today ). By holding the funds they caused the payment for the loan payoff to be rejected NSF and returned, incurring a {$25.00} NSF fee. I contacted MoneyLion to explain that they money was there, but was being held by a loop hole that a lot of major banks use in their checking account systems. 
The rep initially stated he can remove that {$25.00} fee early in the call, which I thanked him for. He then later put me on hold and came back to state that since they sent my loan nsf to their " internal collections department '' that he can't remove the {$25.00} fee, owning up to lying to me on the phone about what he could or could not do. 
He then suggested I pay the fee, then ask the next department to remove it, which I will not pay the fee as the funds were there, but were being held by MoneyLion itself.

The loan was from them, the checking account is with them and they held my money separate from my loan payoff in order to charge me the fees that I am complaining about. 

Also related to this issue was back In XXXX of 2019 I asked MoneyLion to  stop withdrawing my loan payments from my XXXX XXXX account as I was going to discontinue use of that account, they would not give me the option to change the payment source so I contacted XXXX XXXX, in which XXXX XXXX returned those payments back to MoneyLion. I contacted them and it was not until then was I able to update my banking information to my MoneyLion checking account for the payment.

They may report me to my credit bureaus for missing a payment which was in fact not missed, they just refused to take it from the account I requested. This issue violates Federal Law. If a consumer notifies a financial institution that they wish to stop automatic withdrawals, they have to honor that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
This is a complaint against XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Mn. 55125.My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX XXXX, XXXX, Ca.XXXX.Some time ago I opened a checking account at XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX added a feature called " bill pay '' without explaining to me that there were risks involved in having that feature, and they then paid XXXX fraudulently submitted bills out of my checking account without asking me whether the bills were legitimate, which they were not. I was then held " responsible for the " debt '' so created, and reluctantly paid it off as soon as I could, even though it was not my fault. Nevertheless the matter was reported to XXXX XXXX by the XXXX XXXX and XXXX XXXX has been barring every attempt by me to open a new checking account, such as at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and so on, all based on derogatory information from XXXX XXXX  XXXX XXXX XXXX XXXX even closed down my existing checking account based on derogatory " information '' from XXXX XXXX   XXXX XXXX XXXX has no business causing me harm this way, especially since I paid off my falsely create " debt '' so-called to XXXX XXXX XXXX XXXX XXXX and have had no defaults anywhere. I called XXXX XXXX   over the phone but received no satisfactory information from them. They would " disclose '' nothing. They would not answer any questions nor provide any relief. I appeal to CFPB for help with this problem created by XXXX XXXX XXXX and would like CFPB to stop XXXX XXXX from doing all this to damage my reputation. Thank you, and I look forward to a favorable response.

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 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
i wrote a letter to this company dated by in XX/XX/2018 this company failed to respond to me. I've since then reached out the the credit companies and still haven't gotten any where with this debt that is supposedly owed. I don't know what this debt comes from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: IL

Complaint narrative:
a hard inquiry was added to my credit report from XXXX XXXX. i never applied for a loan from their company. When i contacted them, they could not find any information on my file. i gave them the last 4 digits of my social security number and they still couldn't locate my file. Two days ago i received a letter from them stating that i had applied for a loan and my application was incomplete. the letter also stated that because i had an apllication that it authorized the company ( XXXX XXXX ) to actually inquire into my credit which resulted in an hard inquiry on my file. i made another contact with the company after i received the letter. They tried to tell me that i had an application on file with their company but they did not believe the social security number was accurate. i asked them to just remove the hard inquiry from my file. They told me to contact transunion as it may be fraud. i only want them to correct my file to reflect what really transpired. this matter has become complex and i believe this is very simple.i need your assistance in this matter ... 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 2019-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I have received repeated calls from Diversified Consultants Inc regarding XXXX/XXXX  service that I canceled and owed a balance on due to programming and equipment fees that I have paid and the equipment has been sent back and therefore I have zero obligation to this debt. The programming fee of {$55.00} was drafted from my account on XX/XX/2019 ( See attached PAYMENT.jpg ). The equipment was taken to the XXXX store on XX/XX/2019 as I was instructed ( see attached .pdfs ). From that point it was the responsibility of XXXX to ship the equipment to XXXX/XXXX. .As the attached recording proves I contacted DCI on XX/XX/2019 to inquire if the equipment had been received and while on the call made the payment arrangement for the programming fee. I have since received at least two more calls from DCI stating that I still owed a balance to which I dispute. I instructed the last caller to cease and desist from calling me and that I would be filling this complaint. I will seek legal counsel and file suit for any additional calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: Credit Bureau Central Inc (MS)
State: MS

Complaint narrative:
My credit report has a fraud alert place on it and credit bureaus keep letting creditors check my credit with out my approval as in the last 3 month I have not apply for anything and XXXX XXXX XXXX  XXXX XXXX I called them to let them know that its not me and I was a victim of identity theft in XXXX only thing I apply for was XXXX  and XX/XX/XXXX all other inquiries not me so please help me with the credit report agency theyre reporting the wrong things on my credit report that unfair to me that why I placed the fraud alert XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consolidated Management Group, LLC
State: MA

Complaint narrative:
They called my wife telling her they were from an investigation unit and they were heading to my house. After her telling them I was not home they threatened to come to my job. They left my wife a message very rudely stating they need to deliver to me in person a summons at home AND MY JOB. They nonstopped called her. After contacting them they were trying to force me to give my bank account information. They have called my cousin and uncles harrassing them with multiple calls looking for me, even after I called them. All contact needs to be through mail. They need to stop contacting my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
i wrote a letter to this company dated by in XX/XX/2018 this company failed to respond to me. I've since then reached out the the credit companies and still haven't gotten any where with this debt that is supposedly owed. I don't know what this debt comes from.

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 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX I am in the middle of buying a new condo and just had my credit pulled and I have some addresses that are not accurate on my credit file please delete remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX I have NO record of the paperwork that should have been provided to me upon request documentation ( a consumer contract with my signature on it ) 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. My intentions are to exercise my rights under the FCRA. please remove the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.

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 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX am in the middle of buying a new condo and just had my credit pulled and I have some addresses that are not accurate on my credit file please delete remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX I have NO record of the paperwork that should have been provided to me upon request documentation ( a consumer contract with my signature on it ) 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. My intentions are to exercise my rights under the FCRA. please remove the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.

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 2019-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
Calling my boyfriend and Trying to verify if I am a tenant and trying to verify if I am living at specify address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: VA

Complaint narrative:
AES/PHEAA has reported to the credit bureaus that I was delinquent on one of my student loans from 60/90/120 days, however, my billing letters note ( that they are able to view in my account ) that my account was in deferment. I have submitted disputes since last year and they have not resolved my issue. 

They asked me to student a credit dispute from and I did. They asked me to submit my credit report and I did. They provided me with the wrong dispute form and just advised me today that, that was the discrepancy because I kept telling them I sent them the form. 

We have been discussing this dispute since XX/XX/XXXX, and today was the most recent correspondence. They have caused emotional and financial stress because of there error. Credit Report notes I was late on loan from XX/XX/XXXX -XX/XX/XXXX ( 60/90/120days ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Account # XXXX with Toyota Financial Services, Account manager XXXX XXXX " fraud department '' My lease was up in XX/XX/XXXX on my Toyota XXXX XXXX and I did not turn in the car because we wanted to keep it and just keep on making payments. I think I missed about 1 to 2 payments BUT when I tried to bring the  account current I was told that the account was closed and referred to the Fraud department. I spoke to XXXX on that department through a Spanish translator BUT was very confused at the end of the process so I contacted my friend XXXX XXXX to call for me and get all the details of what's going on and to see what we could do in order to keep on making the payments so they don't take the car away because I was told that they had tow trucks looking for my car already. My friend XXXX XXXX called and spoke to the account manager XXXX who was extremely rude, she didn't NOT give her any information because she demanded to talk to me. XXXX XXXX is an authorized individual on this account because I was told by the Toyota representative that it was the only way she could get information and help us with clearing this mess up. XXXX also mentioned that she had e-mailed some documents but refused to send them to XXXX XXXX or give her any information that can help us clear this mess up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
a hard inquiry was added to my credit report from Goldman Sachs. i never applied for a loan from their company. When i contacted them, they could not find any information on my file. i gave them the last 4 digits of my social security number and they still couldn't locate my file. Two days ago i received a letter from them stating that i had applied for a loan and my application was incomplete. the letter also stated that because i had an apllication that it authorized the company ( Goldman Sachs ) to actually inquire into my credit which resulted in an hard inquiry on my file. i made another contact with the company after i received the letter. They tried to tell me that i had an application on file with their company but they did not believe the social security number was accurate. i asked them to just remove the hard inquiry from my file. They told me to contact XXXX  as it may be fraud. i only want them to correct my file to reflect what really transpired. this matter has become complex and i believe this is very simple.i need your assistance in this matter ... Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Have made calls and sent emails inquires re balance. Company has automated answering redirecting to medical sales company. Emails have gone unanswered. All other efforts have been futile. The Gift Card was purchased for XXXX dollars and all efforts to use the card have been denied. The card was purchased from My Gift Card and bears the Mastercard number XXXX, with an expiration date of XX/XX/2020. Please stop this from happening to other consumers!!!

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 monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PMAB,LLC
State: PA

Complaint narrative:
i never received any type of documentation from this company ever even when i disputed it via postal mail. They claim my account was in collections for the amount of {$380.00}.

Company response to consumer: Closed with explanation