vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I went to the XXXX XXXX branch of chase bank located at XXXX XXXX XXXX XXXX, XXXX XXXX ga.XXXX, to handle my mounthly banking business..I went to cashbox # 6 and was taken care of by a cashier named XXXX.there were two transations that took place.first I transferred {$2100.00} from one account ( XXXX ) to account # XXXX, the second transation was a cash deposit of $ XXXX.on the XX/XX/XXXX I received notification from the bank of checks being returned for insufficient funds.On the XX/XX/XXXX I met with the branch manager,  XXXX XXXX where it was discovered that the {$280.00} was not deposited The manager made several calls after whuch she informed me of the procedures which had to be followed i.e tracking deposit slips etc ... I was recently informed that no further actions have been taken to rectify the mistake.in reviewing the receipts it was found that the cashier deposited {$20.00} instead of the {$280.00} ( which I am attaching to this compliant.In order to cover their mistake I had to deposit additional funds to cover the checks and fines

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: The CMI Group, Inc.
State: MD

Complaint narrative:
1 ) Credit Management ( {$910.00} ) 2 ) XXXX XXXX XXXX XXXX ( $ UNKNOWN ) 3 ) XXXX  XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX  ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
It is unfair that I should have to pay to freeze my credit report. I made no agreements with transunion to be included in their database. But the damage that may be caused to my life is substantial, if they approve credit to an identity thief. They already make money off of information about me I wish they did not have. It is unfair that I should have to pay them to protect myself from them.

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 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had several transactions over the weekend of the XXXX, one of which was a transfer from my checking to savings account in the amount of {$75.00} on XXXX/XXXX/2017. Once the transactions over the weekend posted, I was charged an Overdraft fee of {$35.00} because of the {$75.00} transfer. I asked Wells Fargo twice to refund the fee and to explain where it states they can charge an Overdraft fee for a checking to savings transfer. Using their logic, I could transfer any amount of money I wanted, even if I did n't have it available and be charged just {$35.00}. So why could n't I just have transfer {$100000.00}? I hope my point is clear on this and it seems like a glitch in their system. I 've been told three times now it 's a glitch and this is the first time I have been refused a refund due to a system error on Wells Fargo 's part. I " XXXX '' overdraft fee caused by checking to savings transfer and not one returned response because it 's something that should n't happen and could be considered predatory and a " sneaky '' was to get fee money from 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 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I entered a hospital four years ago to have a XXXX XXXX removed. I was under a XXXX for an hour or so. 

XXXX XXXX sent me a bill for a procedure I never received. 

They turned it over to a collections agency which submitted it to Experian. No other credit agency would take this false claim as there is no documentation that I agreed to this, that the procedure was even performed. 

I complained to Experian and the extent of their " investigation '' is asking the collections agency if it is valid. 

So, if I said XXXX XXXX owes me {$20000.00} and reported it to Experian, well then XXXX has a black mark on his credit and Experian will ask me if its valid. No documentation, no proof, nada. 

This is a form of slander. 

I want it removed, or remove Experian 's right to operate in this country. They do not seem to understand contractual law. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX, XXXX and XXXX XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX and XXXX XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.

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 2017-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of James R. Vaughan, P.C.
State: AZ

Complaint narrative:
The Law Office of James R. Vaughan , P.C . in XXXX, AZ contacted me via mail on XX/XX/XXXX and sent me garnishment letter about the XXXX XXXX credit card account that was opened under my name and social security number and charged off to a third-party collection company. The Law Office of James R. Vaughan , P.C . has garnished my wages since XX/XX/XXXX. The XXXX XXXX account was too old so the identity theft could not be fixed by my lawyer. I would like you to help me fix my identity and prevent identity thief from happening again.

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 2017-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I recently purchased a used car for XXXX. This was in XXXX of this year. Then Hurricane Harvey totaled my car and then the car company, who had put a full coverage insurance policy on my car, declared that I still owed then XXXX after they took the car in and their in house insurance company declared that they could only pay less than half of the damage. They even kept the car and sold it. The finance company is American Credit Acceptance , LLC, XXXX XXXX XXXX, XXXX Tx XXXX. And the Insurance company is the XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The inquiries, which appears on my credit report from ALLY FINANCIAL dated X/XX/2017 does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

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 2017-11-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: MD

Complaint narrative:
I contacted XXXX in order to obtain documentation and information on my account. However, upon speaking to the manager of my account, XXXX XXXX, I was advised that they would not provide me with anything from them unless I made a payment, signed a piece of paper, took a picture of my signature and sent it to them. Then, upon receiving the image, I was advised, by XXXX XXXX, he would send me an email receipt. I advised him I could not make a payment yesterday and did not feel comfortable sending my signature in that manner. He laughed and said he would not send me anything and when I asked to speak to his manager or someone else he laughed again and stated, No, you will not be able to speak to my manager and my manager does not want to speak to you, call back when you are able to pay, until then, have a nice day ( continuing to chuckle ). When I tried emailing them through there website and social media accounts requesting to speak to someone other than XXXX XXXX, they blocked me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The company has been reporting me a running late for 6x times and they have done it in to me in XX/XX/XXXX. I learned that they have switched products and increased to my payment to XXXX from XXXX, which I have been paying for years. I am recently divorced and my husband was paying the bill on line. So, all notices that are on line which Wells Fargo have always pushed me to go online because I could not talk to a person for a year because I did not know my pass word. I open the line in XX/XX/XXXX. I ask them to produce the document that says they could switch my product and all this extra money that have been given needs to go towards her my late fees. The customer service rep said they told me in XX/XX/XXXX. They could not reproduce any paper that said my payment changed, they sent me a note that does not indicate. I want them to remove the late immediately and give me the opportunity to know what products I am in what to expect.

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 2017-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I moved a month ago and the post office is forwarding all of my mail. 
Apparently a bill from XXXX XXXX XXXX was never forwarded and I was reported to the Better Business Bureau. I find this unfair because they never tried to reach me and I always have paid my bills. 
I gave them my checking account to pay the balance in full and they refused to remove the complaint from the BBB. 

Thank you, XXXX XXXX ( formerly XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
1 ) XXXX XXXX ( {$910.00} ) 2 ) Navy Federal Credit Union ( $ UNKNOWN ) 3 ) XXXX  XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
1 ) XXXX XXXX ( {$910.00} ) 2 ) XXXX XXXX XXXX XXXX ( $ UNKNOWN ) 3 )  Santander Consumer USA ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. The credit bureau is refusing to remove a collection record from my report that is not mine. It is being reported as a paid debt but I have never had any business dealings with this company. I have never been called by them, I have never received any letters or notices from them and I have never paid them any money. There is no reason for this to be on my credit. The account name is under " XXXX XXXX '' with account number # XXXX. It is reported to have been opened since XXXX 2016. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. Last week, I took it upon myself to call XXXX XXXX and spoke to their representatives and a supervisor. It turns out that the personal information on this account does not match mine besides a very similar sounding name. They were not able to give out any more details because I was not the verified person on the account. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. If I am being told by the source of this information that this is not my account, why does the credit bureau continue to report this to my credit? I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake. This is the reason why I am filing this complaint.

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 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. The credit bureau is refusing to remove a collection record from my report that is not mine. It is being reported as a paid debt but I have never had any business dealings with this company. I have never been called by them, I have never received any letters or notices from them and I have never paid them any money. There is no reason for this to be on my credit. The account name is under " XXXX XXXX '' with account number # XXXX. It is reported to have been opened since XXXX 2016. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. Last week, I took it upon myself to call XXXX XXXX and spoke to their representatives and a supervisor. It turns out that the personal information on this account does not match mine besides a very similar sounding name. They were not able to give out any more details because I was not the verified person on the account. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. If I am being told by the source of this information that this is not my account, why does the credit bureau continue to report this to my credit? I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake. This is the reason why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The inquiries, which appears on my credit report from General Motors Financial Company dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

I have contacted these companies individually and have not received any reply back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
We are working on a short sale of the home. SPS has told us numerous times by telephone and in writing that they would have a response to us on or before XXXX XXXX, XXXX. To date, they have not responded, and sent a later letter that they claim was dated XXXX XXXX, XXXX, giving them an additional fifteen ( 15 ) " business days '' to respond, however, nobody has received that letter - though SPS sends several collection letters to the borrower 's house each day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kashia Services
State: OH

Complaint narrative:
On Tuesday XXXX XXXX, 2017 while at work I received a phone call from the vice president of the company in which I am employed stating he had received a legal matter involving me on his desk via fax. He forwarded me an email of the fax communication he had received from Kashia d/b/a XXXX XXXX  requesting an wage assignment. I stated to him I was unaware that any civil judgements or garnishments had been placed against me as I had not been taken to court for anything relating to such. It was requested that I follow up with a company that my employer follow up with a company called XXXX XXXX. Upon a simple internet search I learned that this was an unlicensed payday loan lender and that the contact information for both Kashia d/b/a XXXX XXXX and XXXX XXXX was vague at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Santander Consumer USA uses heavy-handed tactics that violates the Telephone Consumer Protection Act to get consumers to pay their loans. These tactics allegedly include making repeated and harassing calls to plaintiffs ' phones and also the high-interest loans and fees violates the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I am a victim of identity theft. The inquiries, which appears on my credit report from TD Auto Finance dated XXXX/XXXX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.

Company response to consumer: Closed with non-monetary relief