vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On Monday XX/XX/XXXX, my wife XXXX received a call from a representative at Midland Credit Management ( legal account number XXXX for {$1900.00} ). She tried a payment arrangement that would have worked but could not come to an agreement. The MCM representative was asking for " {$200.00} the first month, and {$100.00} each month after. '' That is an obscenely high amount with our family 's budget. I tried calling at XXXX this same day and was met with similar resistance. I recommended {$19.00} a month as that was the previous payment arrangement and the last payment made was in XXXX. We are not hiding from this debt but it would be in the Midland Credit Management 's best interest to agree to our payments of {$19.00} a month. Why? In the state of Florida there is a head of household exemption. This debt is solely my wife XXXX 's responsibility. I work too but this is not my debt. That being said, she is eligible for this exemption and here 's why : she provides more than 50 % support for our XXXX XXXX and makes less than net income of {$750.00} a month. Can we come to an agreement that {$19.00} a month is more preferable then no money? XXXX/mo versus XXXX/mo? All we want is piece of mind, no more calls, and no surprise Writ of Garnishment/frozen assets. I've provided links/sources for your education. 

XXXX  : //XXXX.XXXX/XXXX-XXXX-XXXX-XXXX/ XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Cashed a check for {$1400.00} on XX/XX/XXXX. I was with my daughter and we always count it. We received {$1400.00} in cash. 

I use telephone banking to verify checks that have come through. On XX/XX/XXXX, {$100.00} was taken from my account. I was not notified. I called the bank the next day and they said that we received {$1500.00} instead of {$1400.00}. I am in a wheel chair and I had to get my daughter to take me to the bank to try to straighten this out. At that time, Wells Fargo said the teller was not short? So how many people are they doing this too? I can't understand how Wells Fargo can take money from someone's account like this. 

On a letter dated XX/XX/XXXX, they said they were going to research this??? Manager : XXXX XXXX at XXXX and XXXX, XXXX, Texas. ( Attached is letter with information ) As of XX/XX/XXXX, this is still a problem. One of my daughters use to work for the XXXX. She said she can't believe that they could get away with this and wonders how many people they are doing this to. 

Something needs to be done about this. Please help me! What if I had not checked my account?

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 2019-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
3 year lease expired. I contacted XXXX/Chase Credit to see how to go about concluding the lease, turning the vehicle in. They said car needs to be appraised. My dealer, XXXX at XXXX XXXX XXXX XXXX said to have the car inspected on my own so I know what needs to be done to the car if anything and I may be able to save some money by having things done myself rather than turning in the car blindly. I did have it inspected, a report was provided. The net result was replacing 3 tires on the car, which I did, new ones from XXXX. I faxed the receipt for the tires to Chase credit. I paid the {$300.00} or so fee to retire the lease, as well. I concluded my part of this process in total. I continue to get calls from Chase in this regard, every week, several times a week and have the same discussion with them. It is as though their left hand doesn't know what the right hand is doing. I told them I will not spend/waste any more time talking about this issue and I would be filing a complaint against them in this regard. A simple call to XXXX at the dealership would verify the tires were replaced. My XXXX fax out to them was a success per the app so I know they received it. Please stop the hassle as my next approach will be to sue them. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XX/XX/2017. I received a letter from my bank that my credit and fica score drop less than XXXX. I have had a 800 + score for 25 years. When I inquired to my bank they referred me to Discover   student loans. I called the loan company and asked what this matter was about. I had never had a student loan. They explained that a student loan was taken out by my son with the same name years prior. The payment was not made and a non payment was issued to his report. I found out then I was the cosigner. I have never signed nor authorized and such cosigning document. When I asked Discover to produce the document of my signature they could not. They have held me liable to pay by threatening legal action if I dont pay this bill that I did not authorize. I need to see if my name and ss # can be taken off the loan and place the rightful person to the owing of the loan. In addition they have packaged the loan together connected to the fed rates and adjust accordingly. Seemingly that will cause the loan to spike up through the years. Making it more difficult to pay down. The compounding interest rates are compounded over and over each other never letting the principle go down. I have been making payments to the accounts but I am not seeing the principle adjustments applied correctly. I asked Discover student loans to investigate, only to get no help and no documentation to support there findings and no resolve. In removing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: LA

Complaint narrative:
I have no knowledge of the following inquiry XXXX XXXXXX/XX/2019. Please  investigate to ensure there is no fraudulent activity. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Collection Services, Inc.
State: KY

Complaint narrative:
In XXXX of XXXX, I received a letter in the mail from CBCS stating that I owed a {$4300.00} bill for XXXX XXXX of XXXX. I immediately called to dispute the claim. I let them know that the bill could not possibly have been mine because I left XXXX when I was XXXX years old when I moved to XXXX to attend school. I have also spent the past few years abroad, and in fact XX/XX/XXXX was the first time I opened up a utility bill account under my name in the United States. I also let them know that I am currently disputing another fraudulent account that was taken out under my name while I was living in XXXX XXXX in form XXXX-XXXX. They said that they would send me paperwork to fill out so I could file the account as fraudulent. In XXXX, after a month of not receiving anything, I called them again. They said that they had " mis-written my address '' ( although they had been sending me letters to collect the amount they claimed I owed ), and that they would send me the packet so I could file it as fraud. A month later, today, XX/XX/XXXX, they sent me a letter saying I still owed the full amount. I tried to call the number that they listed in their letter ( XXXX ), but it was just infomercials, with another number to call at the end ( XXXX ). This number also just lead me to more infomercials and when I refused the " free trip '' offer, it hung up. I called their offices, which were closed and left a voice mail. I strongly believe that this company is giving misleading information and faulty numbers in order to drag out the 30 day period they claim to give in order to legally come after me, even though this is a fraudulent charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 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: PNC Bank N.A.
State: PA

Complaint narrative:
I was charged multiple times by XXXX inaccurately. After speaking with PNC a few times about this an investigation was to be done. I also spoke to XXXX about it as well. The problem was that my PNC bank was supposed to have been disconnected from XXXX but it never was even after calling XXXX to verify it. This began around XX/XX/2019 with a charge of {$12.00} from XXXX which was then refunded because of NSF. This happened numerous more times causing an increase NSF fees and other transactions to bounce as well due my account becoming overdrafted. Even though I attempted to balance out my PNC account by adding money but it was never enough. XXXX even drafted my a letter to verify this. Only for me to later found out that XXXX had once again misused a bank account that was supposed to have been removed. I attempted to get into contact with PNC who told me that they had to forward me to another team to resolve my issue but they couldn't because transferring in house didnt work? However when I attempted to call the number given, that didn't work either. Now I am sent a collection letter for money I shouldn't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NM

Complaint narrative:
This complaint is about the unauthorized LexisNexis inquiry that was performed XXXX, XXXX, XXXX on me. I learned about this LexisNexis search from an XXXX credit report dated XX/XX/XXXX, report # XXXX. I did not give permission verbally or in writing to anyone or any party to conduct any LexisNexis inquiry or search about me. LexisNexis did not provide this critical information after I formally requested it. 
For this unauthorized LexisNexis search, I called XXXX the same day I received the copy of my credit report. XXXX representative advised me to call LexisNexis. 
I then called LexisNexis asking to know who requested the LexisNexis search on me. Their representative said We dont know the party, request your whole file. As part of that phone call, I requested my whole LexisNexis file. The LexisNexis representative told me that this is the only information available to me for this unauthorized report about me. 
On XX/XX/XXXX I received a damaged envelope from LexisNexis that contained only 19 pages of the 400-page report. I reported this loss to the USPS and to LexisNexis immediately upon receipt. 
On XX/XX/XXXX I received the full LexisNexis report that was 400 pages only to find that it did not include the information I needed the identification of the party who requested the unauthorized LexisNexis search about me dated XX/XX/XXXX. LexisNexis did not provide the critical information the identity of the person originating this search. I was and am extremely concerned about the sensitive information in this report. I am concerned that I am the target of identity theft. ( I froze my credit with all three credit bureaus immediately. ) As part of my own due diligence and wanting to know if vendors serving me - XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, my local utility companies, XXXX XXXX, XXXX XXXX, and XXXX might have initiated a LexisNexis search, I called them and they said no. None of these vendors requested a LexisNexis search on me. In fact, I was advised that it is not a normal business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am currently in the loan application process with Regions Bank in XXXX XXXX, MO. It's become clear to me at this point I will not be approved for the loan. The amount requested is {$19000.00}, which is basically my monthly gross times 3 ( months ). I attached my most recent pay stub along with my investment account balances as proof of cash. Please note, though these are retirement accounts, in the event of an emergency, I wanted to withdraw funds or the loan is called, i can start receiving periodic payments per internal revenue code 72 ( t ) ( 2 ) ( A ) ( iv ) without incurring penalty ( so, i have access to these funds if want/needed ). My wife and I are basically looking to consolidate our credit card debt to one lower monthly payment. 

I've attempted to explain that the loan would basically transfer what is already being paid to a monthly loan payment with Regions. I believe I am being denied, though I don't agree with the method/calculation used, because of my debt to income ratio. I have been a member of regions for close to seven years. In my [ bias ] opinion, I feel there is no doubt about my ability to repay this loan over the note period due to steady income stream from current employer as well as rental income. Worth mentioning I also received a % 4 raise after starting the loan process and am due for another raise and promotion later in the year ( XX/XX/2019 ).

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 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMA Alliance, Ltd.
State: FL

Complaint narrative:
I received 2 calls from FMA Alliance, one on XX/XX/XXXX and one on XX/XX/XXXX. They stated in reference to XXXX XXXX. They wanted my date of birth which I would not give them. On XX/XX/XXXX I went to XXXX XXXX and requested why is a collection agency calling me. I was told that some one took out Online accounts using my name and my SS # in another state, North Carolina in XX/XX/XXXX. The Bank referred the accounts to FMA Alliance. I have since filed a complaint with FTC Identity Theft and sent Letters to both XXXX XXXX  and FMA Alliance. XXXX XXXX did respond to me with an apology and closure of accounts. However, FMA Alliance after two Letters have not responded to me. As per the USPS they have received my letters. I do want some acknowledgement from them as they did contact me re this identity theft. I also sent them some of my Identifications. I want a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I tried to dispute a credit card charge to on XX/XX/19 online at chase.com.  ( XXXX : XXXX # XXXX XXXX XXXX ) After filing out 4 pages of Q & A I hit submit. It came back with " Itlookslikethispartofoursiteisn'tworkingrightnow. Please try again later. Thanks for your patience. '' I tried again on XX/XX/19. Same not working response. Tried again on XX/XX/19. Same not working response. I tried again on XX/XX/19. Same not working response. 

1 ) Why doesn't CHASE tell me that this part of their website doesn't work BEFORE I fill out 4 pages of Q & A?

2 ) Why is CHASE.COM website dispute function not working for 2 weeks? How long has it not been working? 

I complained about this on XX/XX/19 to XXXX XXXX and her supervisor XXXX and basically got told that those web functions are somebody else 's responsibility and I couldn't complain to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SECURITY FINANCE CORP
State: MO

Complaint narrative:
I went to XXXX XXXX XXXX and closed a loan with them on XX/XX/2018 to pay off several very high interest loans. One of the loans was with Security Finance in XXXX, MO, where I live. XXXX XXXX XXXX overnighted via FedEx they payoff amount, ( It was a little over a {$1000.00} ) on XX/XX/2018 and they ( XXXX ) show on their internal accounting that the check was cashed on XX/XX/2018. Unfortunately due to XXXX ( XXXX XXXX XXXX  ) policy they can not provide me that accounting statement reflecting Security Finance cashing/depositing the check on Thursday XX/XX/2018. Security Finance says they received and posted the check on the following Tuesday XX/XX/2018, which caused there to be a 30 day late added to my credit report on that account when in fact XXXX has proof ( that they just cant give me for company policy ) they received and cashed the check on Thursday XX/XX/2018. Basically they assessed a 30 day late payment erroneously assesed to my account for reasons unbeknownst to me.

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 2019-05-20 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: LA

Complaint narrative:
I have no knowledge of the following inquiry Ally FinancialXX/XX/2019. Please investigate to ensure there is no fraudulent activity. Please remove from my credit 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 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
As the records show within each government agency where I filed each of my complaints about the violations and/or crimes subjected against me by Wells Fargo Bank N.A and after I made all those Reports Wells Fargo Bank N.A again retaliated against me by direct threat and/or intimidation in retaliation for complaining to the CFPB and other government agencies. I believe Wells Fargo Bank N.A continuous retaliation against me is in violation of the CFPA and other applicable laws. I would like full investigation of my case which is also a human rights case against a consumer and a constituent. Wells Fargo Bank N.A fraud,  corruption, threats and other adverse actions will not silence me and if anything to happen to my freedom, safety and life Wells Fargo Bank and its involved agents, executive and/or employees must be prosecuted and held fully legally and criminally responsible. All stated herein is to my current states knowledge, belief and understanding and it is subject to anything or any correction by me or my legal representative at anytime without prior notice and without waiving my rights

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 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Made several attempts to fix this situation. SW Credit Systems continue to place an derogatory remarks on credit report. I have no idea where this debt occurred. Made several attempts to request contracts and company failed to comply within 30 days according FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: NM

Complaint narrative:
My credit report from Experian, case # XXXX, dated and received XX/XX/XXXX shows to problems : 1 ) Unauthorized co-applicant for a credit report. My ex-husband shows as a co-applicant/spouse on this report ; I did not nor have I requested a joint/co-applicant credit report with him since our divorce in XX/XX/XXXX. This report includes detailed information about accounts that are his only. I do not want any credit reports or inquiries to include any of his information or accounts. 
2 ) XXXX unauthorized inquiry dated XX/XX/XXXX. I did not nor did any vendors serving me request or authorize this search. As part of my own due diligence I called XXXX as well as all of my vendors ; my vendors said they did not request the XXXX search. They also said it is not a part of normal business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was a loyal customer of Wells Fargo banking for 4 years. 
I was also a victim of unauthorized credit cards, opened account & funds stolen from my accounts. 
Ive had so many financial setbacks due to the banks actions to steal my hard earned money & valuable personal information. 
I can not even obtain a checking account from any financial institutions because of the impact Wells Fargo has left on my credit report. 
I wouldve never imagined of becoming a victim of bank fraud & stolen funds! 
I dont think theres a way to repair the Damage mentally or financially!

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 2019-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC
State: UT

Complaint narrative:
Calvary Hired a Law firm that filed a civil Lawsuit against me in the state of Utah. Prior to the lawsuit, I received 20 to 30 phone calls instructing me to not hang up and stated the law firm name First in order to intimidate me. The callers were pretending to be lawyers. The employees were not lawyers but collection agents hired by the law firm. They left out the fact that they were not attorneys as required by law.

I admit it works. I was scared to hang up the phone in fear of legal action. I guess Calvary Svp looks at these type of violations from a business perspective. They assume most of us in financial chaos will not report the violations. They have a long history and more must be done to spot them.

Company response to consumer: Closed with explanation