vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Coast to Coast Financial Solutions, Inc.
State: TN

Complaint narrative:
Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.

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 2017-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I returned my  XXXX  lease in  XXXX   XXXX  and was told by the dealership,  XXXX   XXXX   XXXX  of  XXXX   XXXX , that the disposition fee would be waived because my grand daughter was leasing a car from their dealership in the same transaction.     I received  a bill two weeks after (   XXXX   XXXX  ) leasing the car to pay the disposition fee. I called  XXXX   XXXX  as well as  XXXX   XXXX   XXXX  to dispute this charge and was told by the customer service rep that the fee would be waived. I did not receive another bill, phone call, or other contact from  XXXX  again.     In  XXXX   XXXX  I received a letter from a collections agency that I owed the disposition fee amount. I promptly contacted  XXXX   XXXX  and explained the situation to them. I specifically told them to review their recorded phone call line to confirm that I was told the fee would be waived. The rep said he would and he would have a supervisor call me back. I was never called back.     I have called  XXXX   XXXX  to resolve this account on :  XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  I never received any response back as I was told I would.The collections agency collecting on behalf of  XXXX   XXXX  is unwilling to check with  XXXX  for the recorded phone call in which I am told the disposition fee would be waived.     Based on the fact that I did not receive a bill from  XXXX  between  XXXX   XXXX   XXXX , and that  XXXX   XXXX  is unwilling to review the recorded line, I strongly believe their billing and collections practices are unethical, illegal, and overall shady. To tell a customer their fee is going to be waived and to never contact them again until sending their account to a collections agency an entire year later points to more concerning issues regarding possible fraud, exploitation, deliberate deceit, and extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I received a notice in the mail regarding a debt for utilities for a property I lived in ove r two years ago. I called CBE to let them know that I had no outstanding debt with my utility company and that thi s is the first hearing about it since I moved. They told me they were the third company to receive the collection. Again, this is the first collection attempt I have received and I have not moved since. Not only that, but there is n't anything regarding this " collection '' on my credit report. Not now, not at any point in th e past two an d a half years. They told me to mail them a dispute letter in the mail, but it will probably be ineffective since they are the third company to receive my " debt ''.

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 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Arbor Professional Solutions, Inc.
State: TN

Complaint narrative:
Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I hav  e had 3 major problems in the last 24 hours with US BANK. My husband scheduled a transfer to ( from his US bank account ) my US bank account which was suppose to take 3 days ... here we are 4 days later the transfer failed ( no apparent reason that US BANK could provide and not the 1st time this has happened ). Secondly, I set up a concurrent transfer to take place from my checking to my saving and though its an eternal account and the bank can obviously see the funds are not available they transfer the funds anyways leaving my account over drawn which leads to bills being upaid.
My last and most conerning complaint is that when I send my son in to make a cash deposit he is turned away. I called and spoke wih  XXXX . Who tells me this is the LAW from the Federal Bureau not a Bank Policy a  nd that  XXXX  does it all the time. Being an account holder at  XXXX  I do know this is true but I also know they sent information to the consumers regarding the new policy. I reminded her that it is a policy at  XXXX  and I knew of no law stating this. She went on to accuse me of laundering money and said it wasnt their policy but law though she could not state which it was.  I called the Federal Bureau who confirmed its policies by banks not the FB law. I then called their customer service # who also stated its not their policy and that every branch has their own rules but no where in their policy does it state that they can not take the cash deposit from a non account holder. I find it super alarming that each branch can make up its owm rules on the spot based on who the manager is. It needs to be a policy or not and followed throughout the entire corporation.

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 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
OK. I have had my  CITI AAdvantage card for 2 years. W hen the annual fee was charged, I called  XXXX   XXXX  and asked if I can have any retention bonuses. I was told if I spent {$95.00} or more, I will have credit of {$95.00}. So I spent over {$95.00} immediately after call and finished my spending for a couple days. I called twice, but they told me I will get it and it usually takes time. I belived. When I call ed two day s ago again, now they told me I did not meet minimum spending requirement.. Because I need to wait for a couple of days in order for them to put in to the system ... But I did not hear about it during my first call. Also then why did they tell me during my previo us two calls? They told me they will check recordings, so I said please go ahead to check them . I com plained that I do not want to spend my time and effort and was told by CITI staff that we also did not want to spend it to you. What makes mt pissed off is that this is the second time.. Last year CITI told me that they will provide a bonus point if I keep the card. So I did, but later    they told me no one said that and no record. I insisted to check recordings and finally they agreed to give me points. I hope the service gets better. It is not just money, but trust between customers and banks. Hope they find it and sorry about it.

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 2017-05-19 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: U.S. BANCORP
State: WI

Complaint narrative:
I just recently filed a complaint through CFPB due  to US ban k showing an inaccurate delinquent account on my credit report since  XXXX . My most recent complaint from  XXXX  was me asking  US bank to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my credit score to plummet in the last 2 years and now is the reason I can not refinance my graduate student loans. So the delinquency part of the account is what needs to be removed from my re port.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.

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 2017-05-19 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: MD

Complaint narrative:
I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX    and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. Aft er the 2nd attempt  my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: MD

Complaint narrative:
I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX   and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. After the  2nd att empt my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.

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 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TN

Complaint narrative:
Today I noticed that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have they provided me with goods not services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 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: MD

Complaint narrative:
I have tried to resolve this alleged debt owed from  XXXX  to  XXXX . I tried to contact  XXXX  in reference to this bill and was told they no longer handle the account. I contacted  XXXX  initially via phone but they were not interested in anything besides how was I going to make payment. I had  XXXX  at a previous address other than th e one li sted on the bill that was provided to me as a validation. The previous bill was handled through an amnesty program I was awarded after the equipment was returned. I am not sure where this bill is coming from and why. I requested a contract to show me agreeing to any terms and conditions regarding this account. I am more than sure there  is not one but I  requested it just in case I was  XXXX . I do n't know how or when this account was set up. There is a previous balance listed on the statement that was provided but the statement is incomplete and does not show what the previous balance entailed. After not receiving any assistance from  XXXX  I contacted the credit bureaus directly I never received a response from the but my credit report has been updated as account meets FCRA requirements. I would like to know what documentation or information did they receive that validated this account and meets FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
on  XXXX / XXXX / 2017  I mailed a certified letter t o Syndicated Office System Tracking #    XXXX  They have left notification for company information was not picked up and return to me.     I am asking for back up for this debt - I will not pay without back up outling all of the details. No response Can you please reach out for information and back up needed Or remove from my credit report.     I have attached the tracking information & letter sent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Online I temporarily lifted my credit freeze with Experian from early  XXXX  to  XXXX   XXXX ,  2017 . I am moving to  XXXX   XXXX  and I need to allow landlords to run credit checks as I search for apartments. Since I did n't know how long the process would take, I requested a lift for the maximum period of time. Now, I want to restore the freeze since I have found an apartment. Both  XXXX  and  XXXX  conveniently allowed me to restore the freeze online. Only Experian will not allow me to now cancel my credit freeze lift. I tried first online and could n't do it. Then, I called Experian  (   XXXX   XXXX   XXXX  ) and was told the original credit freeze lift had to stay on until it expired. This arbitrary behavior is uncalled for and actually increases my exposure to credit fraud. Please look into this issue.

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 2017-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is to follow up with previous complaint I filed on  XX/XX/XXXX    regarding the broken Chase ATM machine located at  XXXX   XXXX   XXXX   XXXX  floor at  XXXX  College  XXXX   XXXX ,  XXXX , NY  XXXX .     I was at this location on    XXXX   XXXX   XXXX   XXXX   I tried to retrieve some cash from this Chase ATM at this location. Instead of giving me the cash I requested, this ATM machine got my card stuck inside of the slot, I was not able to get it out. I asked mall security guide for help, but security staff said it is  Chase  's problem, and I am the SIXTH CUSTOMER OF that day experienced this RIDICULOUS issue. They told me the best suggestion they can give to me was wait for  XXXX  minutes, and the ATM machine will release my ATM card back to me. Apparently all previously  XXXX  customers had been WAITED THAT LONG to re-gain access to their Chase debit card!!!     I   had an hair and massage appointment, thus I tried to call Chase customer service, but I was not able to get through to talk to any live person helpful to this situation. Thus I waited near this broken Chase ATM mall inside of the mall for 20 minutes, I got back my ATM Chase ATM card but I missed my hair and massage appointment to get my debit card back.
I complained to mall manager about this horrible experience, the mall manager told me that this is outside of the scope of what mall management can do. It was Chase provided bad ATM machine, they also felt bad for all Chase customers who experienced difficulty with the ATM. They also had NEVER SEEN any bank ATM machine swallowed up customer 's ATM card and causing customers EXCESSIVE AMOUNT OF TIME to wait. None of the customers on that day received any cash from the machine, they indicated this issue had been going on for a while, and Chase failed to check into this regardless multiple customers experience hassle and difficulties.       After I filed the  XXXX  complaint.  Chase  employee  XXXX   XXXX  left a voice message to my cell phone on   XXXX    he left a call back number  XXXX  and said that would like to speak to me in person. I called back twice but experience same bad experience as the other day, reaching his voice system, no live person to answer. I prefer Chase to reply me in writing regarding solution. No more phone calls. I would like to have a written record of the solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Access to my  Chase   XXXX   XXXX   XXXX   Visa  Credit Card was suddenly and without any explanation stopped. I can no longer use the card anywhere. I always pay my balance in full and have no account balance, no late payments no balance due. I have not even come close to my maximum credit limit at any time during the use of this card. I have not been traveling and have not used the card in any usual wa y ( no large purchases of strange things/ no large internet purchases ). I have not changed any of the account information ( no address, phone, payment or any contact information changes ). Chase refuses to provide an explanation as to why they have frozen the account. I have another Chase Visa card which is working just fine, my Chase Sapphire Reserve Visa C redit Card. I use this card in almost exactly the same way, in the same places, and for the same items that I use the ot her Chase card for. In the past I simply used them interchangeably, so to speak. Chase is acting in an arbitrary if not illegal fashion in regard to my accounts. Please if you coul d get them to apologize and reinstate the account I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 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: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
My name is  XXXX   XXXX  I have a mortgage wi th Carrington  Mortga ge Loan  #  XXXX .  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. Howe ver Carrington continues to report me as delinquent. They reported m e as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CO

Complaint narrative:
I mailed in a payoff payment to the loan company on  XXXX / XXXX /  XXXX   in the amount of {$23000.00}. The check was converted to an ACH transaction and cleared my bank, on  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX  , I received an email from the loan company thanking me for my payment of {$760.00}. When I called customer service, I was told that there was no record of my payoff payment, only the payment of {$760.00}. I was also told to call back later to check to see if my account had been credited the payoff amount. I did this 3 times. The last call I made, on  XXXX / XXXX /  XXXX  , I was told that I needed to fax a copy of the ACH transaction to their Accounts department. Which I did, twice. The ACH transaction on my bank statement has the correct account number, and the full amount that I mailed in. As of today,  XXXX , whenever I call the loan company, I get a recording saying to leave my name and number and they will call me back. When I look at my account on-line, it still does n't show my payoff payment being applied to the account.

Company response to consumer: Closed with explanation