vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am writing about the worst banking experience I have had with XXXX XXXX XXXX XXXX XXXX XXXX. I have been a customer with XXXX XXXX for several years with no problem. So, you can only imagine my disbelief after hearing that my savings account was being closed for a single check being returned. I had no idea the check was going to be returned. I had no intention of committing any fraud or anything like that, especially with an available balance over 80 thousand dollars. I was told my account was being closed and that any remaining funds ( over {$80000.00} ) would be returned to me. OK I had no say in the matter so I guess I had to live with their decision to close the account. To my surprise I've waited for weeks to receive my money back, but I never did. I called countless times and spoke to customer service ( who were nice ) but It's the back office banking operations who were completely unhelpful. Every-time, I was told that my money would be returned. I have been waiting for YEARS now, and still have not received a cent back from that godforsaken, distrustful, disgrace of a bank. If you are looking into a savings account, look far away from XXXX XXXX XXXX, they are disgraceful and will use every trick in the book to weasel their way into stealing your hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I went to XXXX XXXX Dealer in XXXX, MA XXXX as a Co-Signer/Applicant and filled/signed only one credit application form from XXXX XXXX XXXX XXXX allowing they to check my credit report/score and see if I can help a family/friends to start their own credit leasing a new XXXX XXXXXXXX XXXX. But today I was checking my credit report and realized they did many Hard Inquires! Details : XXXX : 1 time using the dealer 's name on XX/XX/XXXX and 1 time again on XX/XX/XXXX using the dealer 's name and then 1 time using the TMCC " Toyota Motor Credit Corporation '' on XX/XX/XXXX. plus XXXX  : They checked 2 times using a different dealer name called " XXXX XXXX XXXX '' .on XX/XX/XXXX and then again on XX/XX/XXXX. I don't know yet about the XXXX  if they checked there too. So, Is this right? Can they keep checking my credit as many time they want? I don't think so. Could you help me please? Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I attempted to buy tickets from somebody through the XXXXXXXX XXXX XXXX service that Chase Bank offers. I split the purchase into two separate payments so that I would receive my purchased tickets before paying the full amount. After receiving what looked to be legitimate tickets, I sent the remaining amount. After trying to contact the sender regarding an incorrect date placed on the tickets after further review, I received no response and had my number subsequently blocked from calling him. I immediately tried to contact XXXX to cancel the payment. They told me that I needed to call Chase as they can not help me. I then called Chase Bank and was told that I would need to start a claim. I started the claim on XX/XX/XXXX and was told that I would receive a response in 3-5 days. After receiving a letter in the mail on XX/XX/XXXX claiming that Chase identified the transaction as valid and could not refund me any money, I attempted to investigate further and call their claim department. I was told that there was nothing they could do since the transaction was initiated by me. They said I could try to contact XXXX for further assistance, which I subsequently did. XXXX once again told me there is nothing they can do and that I have to settle this with Chase. After calling the Chase Bank claims department, I asked to speak to someone about my claim who could give me further information about the investigation conducted. I was told that their investigation process involves trying to contact the receiving bank which they were not able to do successfully and thus can not refund me any money, even though this was a criminal act. I will be filing a police report since Chase Bank is unable to assist their customer with his scammed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I received a notice that my loan from Loan Depot was being transferred to another division. On the letter it stated my old loan number and my new loan number. the new loan number was the same as the old except for one less digit. I made my payment on time with the new loan number and to the address on the letter. 
On XX/XX/XXXX I received a call that I hadn't paid my mortgage. I checked with my bank and they showed it was received by Loandepot via ACH. When I told Loan Depot this and told them the account number they said I put the wrong account number on there and and they gave me another number. I was transferred back and forth from their XXXX XXXX office which is where the payment went to XXXX. The person at the XXXX  office saw that the problem was that someone at Loandepot had inadvertently put the wrong account number on the letter I received XX/XX/XXXX. She said she would take care of it. 
On XX/XX/XXXX I received an email stating they had called an weren't able to get in contact with me. I take my phone everywhere and there are no unanswered calls. I called the number on the email and they said they were see the payment but couldn't put it on the right account, which just seems XXXX. Loandepot has the payment, see where they made the error, but now they won't correct their error.

Loan Depot is acting in bad faith and not trying to help find my payment and they keep passing the buck around.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: Westlake Services, LLC
State: NJ

Complaint narrative:
West lake financia had this item on my credit report as inaccurate. I have been disputung this item on my credit for 3 years now and they will not remove this negative item as not being my account. I have never purchased a vehicle using this company. The information that was presented was not my signature, address or do they have a copy of my license being submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
In XXXX of 2017, I have made several attempt to cancel my XXXX plan. I had to file a complaint with XXXX because CS was horrible and refused to cancel my services.They wanted me to cable boxes with me when I moved to North Carolina. Unfortunately, there was no XXXX available in my new area! After complaint was filled with XXXX, I received a call from a male who had apologized for my experience and decided to have someone on the last day of move to pick up boxes. Plus, was told they will credit my account. I never received a bill after that but was notified by my Collection agency XXXX XXXX with a balance of {$320.00}. Sometime in XXXX, I immediately called XXXX XXXX for removal and updated bill. They stated they never had my new address and that is the reason why a bill was not sent to me. The collection was dropped and new address was given to them. As of XXXX I did not receive any notification but have seen new collection with Waypoint for XXXX. Even though the collection amount was wrong, I decided to pay it off and continue to work with XXXX for refund. FINALY, I have received refund and have send to all credit bureaus, XXXX, XXXX and XXXX for removal of inaccurate collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Ive been struggling with this car note. I XXXX XXXX and am building a business for myself. Business has been slow, but Ive been working on paying the bill. XX/XX/XXXX, I paid one and one-half month 's car note to start playing catch up. On XX/XX/XXXX, I called Santander to see if there is ANY relief, even if temporary, with the 25.92 % interest rate, as Im not making any progress on the principle. I'm told " no ''. I tell the rep I will only be two payments behind, which should avoid repo status, so I will follow up next month. Im struggling XXXX XXXX, which is how I earn money. On XX/XX/XXXX, early in the morning, after driving all night, Santander 's repo contractor came and go the car. Unlike with foreclosure, there is no warning. On the previous time i spoke with Santander, I was not up for repossession. PLUS, when the account went up for it, no one notified me. That didnt have to be that way. What if I had been out in public and became stranded? Regardless of wanting to help me keep the car, which I owe $ XXXX for after buying it for $ XXXX and paying over $ 10k towards in just interest and fees, I know more could have been done. Despite a couple of granted extensions to reduce delinquency, the law should FORCE ALL lenders to follow the mortgage protocol when loans default. Two payments past due should not warrant a repo, especially with no notice. The worst part is I just put over {$2000.00} worth of work in the car for battery, rack and pinion, tires, inner tire rods, and more. Plus, Santander KNEW IT!! Even worse, when my rent was WAY behind because I was working but income slowed down, I kept it updated monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I have my credit frozen at all three credit reporting bureaus. On XX/XX/XXXX, I received " XXXX XXXX XXXX XXXX XXXX '' credit card issued by the XXXX XXXX XXXX. The card is administered by XXXX ( who appears to be the primary problem as all correspondence and billing is completed by XXXX, not XXXX XXXX XXXX ). I did not order or apply for this card. I contacted the company and inquired as to what this was and they indicated it was the credit card that I applied for. I never applied for this card. They asked if I had made purchases at XXXX XXXX on XX/XX/XXXX in XXXX, Illinois. I indicated that I did not and that I was out of Illinois travelling for work all day. I requested that the card be closed and a reported as fraudulent. They closed the account. On XX/XX/XXXX, I spoke with the XXXX Fraud department and reported the card as fraudulent and inquired as to how they could issue a credit card to someone with frozen credit. They indicated that they did a " soft pull '' and that allowed them to issue the card. I am not sure what a " soft pull '' is or how that would be adequate to open a credit card with a {$7500.00} limit in someone's name with frozen credit. On XX/XX/XXXX, I received a bill for {$6200.00} for purchases at three separate XXXX XXXX stores. Fraud affidavit filed on XX/XX/XXXX - awaiting response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
I've been working with XXXX regarding a " Debt ''. I haven't been dodging his calls we've spoke and unfortunately had a miscommunication with the settlement amount. I was ready to settled as I thought we had agreed to a certain amount to settle and when i received the letter with the settlement amount it was different than what we discussed. he said he was unable to make a change to the settlement amount and i understood there was only so much he could do, so i asked him if he could have his manager call me back.. His manager called me back and I'm shocked at the absolutely disrespect from this guy. I understand being is this business is hard, but there is no excuse for his behavior, it was the job he agreed to take, however the level of disrespect and the tough guy act was not what I was interested in what so ever and I hung up on him, I will never be disrespected by someone like that. I'm looking to settle today and someone with some common sense and a level of respect for a person not trying to dodge them and actually take care of a balance with a reasonable offer, can call or email me and we can get this done I recently found out that this collection agency has had my account since XX/XX/XXXX I have the legal right to be notified in writing prior to my account being reported to my credit report. Hunter warfield has  continued to threaten me about reporting an account that they have not provided me an opportunity to dispute or be properly notified in writing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: NY

Complaint narrative:
I have multiple inquiries on my report that i have no idea you authorized them to pull my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been making payments on my students the best that I can since I made a payment arrangement to make interest only payments I have been making those payments of {$210.00} for almost 4 years. Recently I had a baby which would make my XXXX  child and was off work for the 3 months. While I was off work I was responsible to pay my portion of my health insurance due to not have any paid time off I paid my portion to keep my health insurance while my employer paid their part. My portion was {$230.00} to pay as you can see this took from me financially but it was need thus I could not make my student loan payments for the months of XX/XX/XXXX and XX/XX/XXXX. I finally made a payment in XX/XX/XXXX and now they continue harassing me telling me I am delinquent still for XX/XX/XXXX which I understand. I explained to Navient the situation the financial hardship and they informed me that if I did not make two payments in the month of XX/XX/XXXX I would be reported the Credit Bureau and for the delinquency. I have XXXX children and a XXXX XXXXXXXX mother I have to provide for not playing the victim but I can not afford for my credit to be damaged this will affect me from getting future credit in case of emergencies. The fact of the matter is if you pull my credit you will see that I have a very good credit and I do make it my obligation to make payments on time even if it means going with out myself. Navient is a lender that should be barred from lending to anyone because they have broke the law many times and taken advantage of me. I have made payments several years and my balance have not budged at all it is disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX card..sent account to XXXX XXXX   without my knowledge. Always had a {$160.00} allotment from retirement pay since XXXX ... after Hurricane Harvey hit last XX/XX/XXXX, lost car, furniture, eviction from home, mother ill in and out hospital, XXXX XXXX, 2 vehicle accidents..XX/XX/XXXX/XX/XX/XXXX XXXX I went down to $ XXXX/month.. wanted to keep sending what I could. I asked them would they please except this for like 5/6 mos.. til I get back on my feet.. Now recently they have deducted without my knowledge even more of what allotment was.. $ XXXX..requested hardship like XXXX ( XXXX XXXX card ) ..and they want all types of personal info from 2 prior months, ,ie..tax returns, bank  statements..just for a credit card.. orig balance was over $ 5000..and now it is down to $ XXXX- $ XXXX..this is ridiculous..PLEASE STOP THIS MADNESS..XXXX XXXX XXXX XXXX XXXX IS OVER XXXX XXXX CARD!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company
State: GA

Complaint narrative:
I received a notice a collection agency added a debt to my credit report. I contacted the agency and the doctor 's office about the bill I had no knowledge of it. I thought my insurance paid all of this bill. When I contacted them I offered to pay if they removed from my credit report. They said they will not remove the debt from my credit report. I was not aware of this bill. Then they told me about other debt they have which I was not aware of either. I told them I was not aware of the debt and would pay if they remove the debt. The bill they put on my report is for {$100.00}. I don't know the date of this bill but it was added to my credit report on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Seattle Service Bureau, Inc
State: CO

Complaint narrative:
yes i am a XXXX Veteran and was seen for XXXX XXXX  problems at XXXX XXXXXXXX XXXX XXXX in XXXX Utah after receiving help i stayed in constant communication with there billing Department to make sure the bill was taken care of witch it was, ,today i checked my credit score it had dropped 100 points due to a collection that was incurred during my stay from a physician that at sometime i had seen i had no idea that i owed any body anything when i contacted XXXX XXXX billing they simply stated that i had signed something i explained that i was provided a ride for a local police dept and that i could barley remember anything and that i was under a great deal of stress at the time this certainly seems as unfair billing practices

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX XXXX XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have multiple inquiries on my report that i have no idea you authorized them to pull my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have multiple inquiries on my report that i have no idea you authorized them to pull my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GMA Investments, LLC
State: VA

Complaint narrative:
XXXX XXXX keeps calling me and my family members. They have called my place of employment. I have asked for a letter and have received nothing. They keep calling after I asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Also, I would like to be provided proof I consented to TO ANY/ALL hard inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately : Company Information : XXXXXXXX XXXX XXXX XXXXXXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  : : Date of Inquiry : XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my SSN. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation