vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I went to XXXX from XX/XX/2018 - XX/XX/2018 and while there my debit card was used without my authorization for 5-6 days. I didn't realize my debit card was missing or that transaction had taken place until after my return to the US. I went to XXXX to have 2 medical procedures, a XXXX XXXX followed by a XXXX XXXX a week later. I had some medical treatments after. I was under very strong pain killers and sedatives for several weeks. 
A claim for almost {$2000.00} worth of unauthorized charges is being denied by TD Bank. TD Bank is claiming there was no fraud simply because the transactions occurred while I was in XXXX, the debit card was not used after I left XXXX and no report was filed. I believe it is important to know that I had limited movement due to the XXXX   and drugs I was under and had nurses 24 hours a day ( on 12 hour shifts ) during my entire stay, as well as cleaning service that came daily to clean and cook. I don't personally know any of them and while I would like to think that none would steal from a patient/client, they all knew the length of my stay and had access to my belongings. A police report was not filed because I didn't realize the card was missing until my return to the US. I was on bed rest upon my return to the US due to partly to normal recovery XXXX XXXX and then extended because of complications caused by an XXXX. 
I filed a claim with the bank on XX/XX/XXXX and the first time the debit card was used without my authorization was XX/XX/XXXX. 
I have had a very tough few months with health complications and with an obnoxious amount of debt as a result of medical procedures and having to take time off. I am battling XXXX and while everybody has their problems I filed the claim within reasonable time. I believe the reasons TD bank is claiming to deny the claim are unacceptable. 
It may be relevant to note that I deposit on this bank account an average of {$10000.00} every month and filing a fraudulent claim for 1/5 of my monthly deposits makes no sense. 
I urge you to look into this and help me get my money back. 
Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
We enrolled in autopay for a used car loan from Bridgecrest on XX/XX/2018 for a car loan with the first payment due on XX/XX/2018. The company website set the first payment for XX/XX/2018 without making us aware that it would mean that the first payment would not be made. They called me when the loan was past due and said that they couldn't autodeduct the payment because there is a 2 week delay after signing up. Then they charged me a XXXX fee for paying over the phone by checking account. All information they had in the autopay registration from XX/XX/XXXX. This practice must be to gain extra fees and interest from late payments because it does not take 2 weeks to set up an autopay and even if it did the registration process should state that the payment will be late and provide alternatives to make the payment by the due date.

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 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I paid my balance of XXXX and they put it on my credit report after they cashed the check and then said that I owed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received an online cash advance and was told that it was going to be a long-term loan with small payments however that is not the way that it was set up and when I extended my payments they started harassing me numerous times a day with calls after I asked them to not call me until I could afford to pay it back due to XXXX  XXXX situation that I've been in I had to change jobs .I 've explained all this to them and they still continuously call me and harass me. This morning they called and I said stop calling my phone and then commenced to call me back three more times always from different numbers as if to trick me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I PREVIOUSLY HAD 2 ACCOUNTS WITH XXXX XXXX XXXX IN XXXX OKLAHOMA, ONE OF THEM WAS A JOINT ACCOUNT. THE ACCOUNT WAS SHOWING AS CLOSED AND CHARGED OFF. I DISPUTED THE CHARGES AND NOW THEY HAVE REAPPEARED AS IN COLLECTIONS. THIS IS AFFECTING MY CREDIT SCORE AND NEEDS TO BE DELETED, CORRECTED AT BEST.

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 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I PREVIOUSLY HAD 2 ACCOUNTS WITH XXXX XXXX XXXX  IN XXXX OKLAHOMA, ONE OF THEM WAS A JOINT ACCOUNT. THE ACCOUNT WAS SHOWING AS CLOSED AND CHARGED OFF. I DISPUTED THE CHARGES AND NOW THEY HAVE REAPPEARED AS IN COLLECTIONS. THIS IS AFFECTING MY CREDIT SCORE AND NEEDS TO BE DELETED, CORRECTED AT BEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I PREVIOUSLY HAD 2 ACCOUNTS WITH XXXX XXXX XXXX IN XXXX OKLAHOMA, ONE OF THEM WAS A JOINT ACCOUNT. THE ACCOUNT WAS SHOWING AS CLOSED AND CHARGED OFF. I DISPUTED THE CHARGES AND NOW THEY HAVE REAPPEARED AS IN COLLECTIONS. THIS IS AFFECTING MY CREDIT SCORE AND NEEDS TO BE DELETED, CORRECTED AT BEST.

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 2018-08-02 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Fraudulent account by name of 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 non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc.
State: VA

Complaint narrative:
I was notified by XXXX  on XX/XX/18 regarding an alleged debt being reported on my credit report from NCC Business Services. I have reason to believe I do not owe this debt because I was never notified by the original creditor or collections agency. 

I called to NCC Business Services on XX/XX/18 and spoke with XXXX XXXX who verified my name and date of birth. I also notified her when asked to verify my address that she had the incorrect address. However that I'd like to clarify that I am not acknowledging or accepting that I owe this debt. In turn I asked if her company was licensed to collect said debt in my state. In turn she responded that it was public record. I asked for the company 's license number and she refused. I then asked for a supervisor ; I spoke with XXXX XXXX who in turn would not grant my request. After a debate I paid the alleged debt. Only to find out that NCC Business Services is not licensed in Virginia to do business. Scc ID : XXXX has been revoked. 

No documentation showing that I am responsible for this debt, or a copy of any judgment ; was ever received. No documentation showing that they are licensed to collect debts in Virginia. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: NJ

Complaint narrative:
I am aware that there is currently several lawsuits against Wells Fargo for failing to properly investigate account fraud claims, and have been closing accounts involved without providing notice to the customer, so I am taking any and all steps to preserve a record of my efforts to recover my funds. My current WF fraud claim number is XXXX 1. On XX/XX/XXXX, I noticed that certain emails were not making their way into my inbox on gmail. 
2. Upon closer inspection, I noticed that some of my email traffic was ending up directly in the trash bin within my XXXX account. 
3. I immediately noticed that there were several XXXX transactions reflecting the forwarding of several large cash transfers from my account to a variety of people, none of whom I know. Nor have I ever used XXXX before and not since. 
4. I called Wells Fargo immediately to notify them of what had happened. I verbally registered a report with Wells Fargo Fraud Dept, but my claim was denied approximately 7 days after I registered my complaint. They did not make contact with me to ascertain any of the facts. They merely claimed that the transfers were done via a secure online session and must have been with my authority. 
5. I then submitted several pages to the Wells Fargo fraud dept to support my claim of online fraud, and again my claim was denied by Wells Fargo. This is despite the clear evidence I provided that someone hacked into my email and my Wells Fargo account, changed my contact information, attempted to open up several cash card accounts, reassigned a XXXX account from my phone to two other phones ( not mine ), and then transfered the balance in my checking account to several people via the XXXX app. 
6. I have since filed a police report with my local Police Dept. and have filed a claim against Wells Fargo via the FTC website.

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 2018-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/2018, I sent a test run for transferring money ( {$1.00} ) from  Suntrust checking acct. to XXXX XXXX, which I have a checking acct., the fund arrived ( {$1.00} ) the next day. 
On XX/XX/XXXX, transferred {$1100.00} the same way .... as of this day it has not arrived at XXXX acct..and it has not shown up in my Suntrust acct. 
I have visit Suntrust each day asking to have it checked out, which they have, we have no results from the transfer Co. ( Fiserv ) that does the electronic transfer of funds for Suntrust. 
On XX/XX/XXXX .... I decided to run some more tests .... I transfer {$1.00}, XX/XX/XXXX transfer another {$1.00} and XX/XX/XXXX transfer {$1.00}. 
All of these transfer was successful in getting to XXXX checking acct. 
I have asked Suntrust to give me a provisional credit to my checking acct. which they have refused to do, HELP Thanks 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 2018-08-02 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: AL

Complaint narrative:
Fraudulent account by name of 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 non-monetary relief
Consumer complaint received 2018-08-02 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: GA

Complaint narrative:
creditor : BANKRUPTCY : DISCHARGED CH-XXXX/////THIS IS MY FATHERS AND ITS ON MY REPORT CASE # XXXX   creditor : XXXX XXXX XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX account # XXXX  balance:XXXX creditor : XXXX XXXX XXXX XXXX account # XXXX   creditor : XXXX XXXX XXXX/XXXX  account # XXXX   balance : XXXX creditor : XXXX XXXX XXXX/XXXX account # XXXX  balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX creditor : XXXX XXXX   XXXX  account # XXXX creditor : XXXX XXXX XXXX account # XXXX  creditor : XXXX XXXX XXXX account # XXXX balance:XXXX creditor : XXXX XXXX XXXX account # XXXX  balance : XXXX   creditor : XXXX XXXX account # XXXX balance : XXXX creditor : XXXX XXXX/XXXX account # XXXX balance : XXXX creditor : XXXX XXXX XXXX   account # XXXX The following are not my address or ever lived there i think this is whats attaching me to my father ; XXXX XXXX XXXX , XXXX XXXX, GA.XXXX XXXX XXXX XXXX XXXX , GA. XXXX  XXXX XXXX XXXX XXXX, GA. XXXX THE FOLLOWING INQUIRING ARE UNAUTHORIZED : XXXX XXXX XXXX   CREDIT CAEDS MISCELLANEOUS REPTG. AGENCIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
ally financial called me i tried to explain i am filing bankruptcy i gave the name of the attorney didnt have his number the agent was rude and harrassing refused to transfer me to a manager. 

told them i was calling cfpb got off the phone with them and they continued to call 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 2018-08-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In XX/XX/2018 I tried to order cable services from ( XXXX/XXXX ). And  received a voicemail stating that something came up. So when I called them back they told me that someone had service on XXXX XXXX in XXXX PA XXXX from XX/XX/2018 - XX/XX/2018 and the bill was {$1000.00}. I said this wasn't mine nor did I authorize this. So I had to submit a fraud/identity theft packet along with proof of residency. After submitting all the requested information I still am not able to get cable services from XXXX/XXXX. And now there's another address coming up on my credit/consumer report on XXXX XXXX in XXXX PA XXXX which also isn't mine. In the mean time I've had to lock my credit report with the 3 major credit reporting agencies. Please help me, I don't know what else to do.

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 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
On XX/XX/2018 I sent certified mail to Experian containing 3 notarized documents containing my current drivers license, social security card and proof fof residence for the last 6 years at the same address on DL. I have been experiencing issues of someone using my name and trying to obtain credit and bank accounts under me identity. 
I asked Experian to remove all the old address from my file. According to the Fair Credit Reporting Act they can not list addresses that are not deliverable to me by the USPS. I just received Report # XXXX for XX/XX/2018 and it states that they will not remove the old addresses or any other incorrect data such as misspellings of my name. 
I contacted one of my ole landlords and they told me they just received an offer for XXXX XXXX of credit approval in my name. I need these addresses deleted for security reasons. Thank you for your assistance. Also XXXX and XXXX XXXX have already removed the old info.

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 2018-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Premier Student Loan Center
State: MI

Complaint narrative:
XX/XX/XXXX After receiving over 20 voice mail calls regarding my student loan I called Premier Student Loan Center ( PSLC ). Immediately the call starts with them telling me that I can qualify for student loan forgiveness. These continually calls attempt to pressure me into taking their services where for a FEE they will get my paperwork into the student loan provider. The caller jumps right into the sales pitch asking for penitent and personal information regardless of you letting them know you are not in a private location or near a computer ; suggesting that once you give them access they can go into your personal student loan account and access your information.. 

The latest call had them suggesting that I pay {$1100.00} over a 5 month period as part of yearly income re-certification to reduce my monthly payments by approximately {$50.00}. 

So that in theory I would pay the {$1100.00} plus the current loan payment and then pay the reduced amount after the 5 months of paying the accruing interest. Currently I am in good standing with my loan Service provider and once contacting them was able to go through the process of income re-verification with no additional monies needed and send the information directly to the loan service provider. 

Additionally, the company XXXX, XXXX contacted my last year ; I was able to stop payment of the funds I paid the company. Now PSLC is using the same tactics as the previous mentioned company based on an email I received on XX/XX/XXXX. 

In the process they ask for access to my personal Federal loan account and other sensitive information which I wish that I had not given them. The call is pressure filled where they could care less what you are in the middle of they just are hitting you with the sales pitch. The representative send an email that takes the customer directly to a site " Student Data '' proxy : XXXX XXXX XXXX ( www.plscdoc.com ) where there is dashboard screen that is very generic in nature.No identifying logo for the company just a generic web page that they can control remotely. 

The comany 's practices are deceptive and when questioned the sales representative became argumentative and expressed that I had to MAKE CONTACT with them TODAY after I explained that I would think about my options. 

While they have the company rating on the XXXX website, the tactics and mannerism are rude, condescending, and pressure filled. How do I stop this contact this company from contacting me via phone or email in the future?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
In several occasions including XX/XX/18, a representative named XXXX, has contacted me via telephone while at work. She has been very rude with insults, profanities, and threats. While attempting to resolve the default situation with XXXX, I have asked XXXX for her superiors contact information to resolve the issue with someone else without insults and threats. She has refused to give me the information. Upon refusal to speak with XXXX, she began calling my mother and father along with her third part affiliates. She disclosed information about my debt in violation of fair debt collection acts. She has contacted them on numerous occasions despite being told in writing to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/2018, I called Bank of America about using an access check to pay for my daughter 's baptism reception. I asked the rep, " If I used the check, would I get the points? If not, I will just pay cash ''. The rep got off the line to speak to a supervisor and came back and said yes. It is on a recorded call. When the check went through, the points did not appear. When I called back on or about XX/XX/2018, the rep stated that they previous rep should not have said that, but that they would give the points as a courtesy and honor what they had told me. Again, this is on a recorded call. On XX/XX/2018, I called the bank to ask why the points have not appeared. The rep ( who was not friendly at all ) stated the request was denied. And, the rep denied my request to reverse the {$180.00} transaction fee in exchange for not providing the points. 

I have been a long time customer of the bank and have never been treated this way. I would not have used the check if I had known they would treat me this way. They should be held to honor what they represented to me ( give me the points ) or reverse the transaction fee.

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