vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
When I deposit my cashiers checks, Bank of America puts at least a 10 day hold on the checks. This happens every month. I 've call, but it has n't helped. 

On XX/XX/XXXX, I deposited 3 cashier checks. Two for {$1000.00} and one for {$300.00}.

They held two of them for 3 days, -- ( but when I looked at my statement, they make it look like those two checks were released on the same day - of XX/XX/XXXX, but that is not the case. They actually did not release them until the XX/XX/XXXX ) -- then added them to my account in the amount of $ XXXX While keeping a hold on one of the {$1000.00}. check. According to my current bank statement, that hold will be lifted on the XX/XX/XXXX. 
That is a 10 day hold. 
In the passed, they have held it for longer than that.

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 2017-12-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been doing my due diligence to pay off my student loan debt. I have been in constant contact with the department of education and debt management and collections. I was notified how much I owe and who owned my debt. I have been paying for nearly 9 months now and yet I have three different collection agencies ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX dba XXXX XXXX ) contacting me telling me I owe money. Each claims to be collecting a debt from Navient ( which is what I am currently paying ). The amounts are extremely high ( nearly {$100000.00} ) in comparison to what I have been told I owe ( a lot less than that ). 

The department of education has told me these are fraudulent and that the money is not owed and told me to contact Ombudsman who opened three cases ( today  XXXX/XXXX/2017 ) and told me to turn it into the Consumer Financial Protection Bureau. These collection agencies have not only called and called and called me but have started harassing my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had someone commit fraud trying to open an account with XXXX ( Chase Bank ). 
Once on XX/XX/XXXX then on XX/XX/XXXX. 
I called Chase, they said that they would rectify the situation but nothing was done. 
I put a fraud alert on my accounts. 
I filed a complaint id with CFPB on XX/XX/XXXX ( XXXX ). Your office immediately contacted me and said that they spoke with Chase and it would be taken care of. 
NOW ON XX/XX/XXXX, I again had someone attempt to open an account with Chase Bank via XXXX and again it was denied but now on my Credit Report it shows XXXX hard inquires with Chase! 
Today I received a " kit '' from Chase on identify theft with cc to you, Consumer Financial Protection Bureau : Complaint XXXX. 
Obviously, Chase is NOT doing their job as again I got another hard inquiry. What is wrong with this picture! 
I put a credit freeze on my credit reports but obviously it did not work!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My niece, XXXX XXXX, is XXXX. I have been her financial guardian for four years. We have been working with her and with her XXXX to get her to the point where she is able to manage her own finances. Until such time as her XXXX signs off on the change to remove me as her financial guardian and transfer full responsibility to her, XXXX SSI and XXXX payments come to me. 

One payment is direct deposited onto a pre-paid debit card. We have had problems setting up her other payment as direct deposit. As such, I still receive a physical check for her every month. 

Every month, I take the check to my bank, Wells Fargo, and cash it. The money is then deposited into a separate account, currently at XXXX XXXX XXXX. 

On XX/XX/XXXX, I went to Wells Fargos XXXX XXXX branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, to cash her check as usual. For the first time, Wells Fargo refused to cash the check, claiming I had the wrong type of account for this type of check, and that I would have to open a new account. I asked why I was not notified of the change in policy, I was told there was no change in policy, that this had always been Wells Fargos policy. When I said Wells Fargo had been cashing these checks for four years, the branch manager told me Wells Fargo had been violating the law for four years, that this specific type of account was required by law. I repeatedly asked for a written copy of this policy, Wells Fargo repeatedly refused, although they did show me something on a computer screen which they claimed was the policy. 

I asked if this type of account carried fees. Initially, the branch manager balked at answering my question, but eventually, reluctantly, admitted this type of account came with fees, but assured me the fees would be waived if we kept a {$1500.00} minimum balance in the account. 

{$1500.00} is nearly two months of XXXX/SSI payments ; it would be impossible to save that much money. Even if we did manage to save that amount, as the branch manager would have been well aware, the first time a deposit was made bringing the balance to {$2000.00}, under federal and California law, my niece would lose her XXXX/SSI payments. 

Wells Fargo is again ( still? ) trying to force customers into opening accounts they dont want. This particularly example indicates Wells Fargos attempt to take money from the XXXX under false pretenses.

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 2017-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: CA

Complaint narrative:
My husband and I have been XXXX owners for over 20 years. We lease our vehicles, and replace them every 3 years so I have had lots of interaction with XXXX. Most recently, we both upgraded to XXXX, and I elected to turn in my XXXX XXXX XXXX after a year and a half into the 3 year lease. I am disappointed that I missed the single notice from XXXX ( XXXX sends ALOT of mail ) 4 months after I turned in the vehicle for an additional {$700.00} due, only to be referred to collections 21 days later. Additionally, my husband received his final bill on his lease for mileage within 30 days. 

I called XXXX XXXX XXXX and the manager indicated they are not able to help me. 

I have called the collections company, XXXX XXXX 3 times, and left messages for 3 different people. Before XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, at XXXX. 

I emailed XXXX XXXX and they referred me back to XXXX XXXX. I 've emailed XXXX XXXX earlier today and am waiting to hear back. 

I am VERY disappointed that A ) I am not able to find out what the charge is for ; B ) XXXX only sent one notice ; and C ) This company who XXXX has agreed to do business with has the ability to impact my credit wont return my calls. 

I am so upset that I am trying to resolve this issue and I am not able to get anyone who can and will speak with me. I am very concerned about this impacting my credit and I have a hard time understanding after 18 months with this car, what the issue might be. 

Finally, I am spending way too much time trying to resolve this issue which is beyond ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: CA

Complaint narrative:
This is XXXX XXXX XXXX and I am writing a complaint to Experian. Located at XXXX XXXX XXXX XXXX, TX XXXX. 

On XX/XX/XXXX I sent out a certified complaint to Experian regarding old information with incorrect dates on it and I asked them to remove it and they have refused. The item in question is old and must be removed because it is violating the FCRA law. I sent the same concern to XXXX  in Georgia, and to XXXX in Pennsylvania and they deleted the information immediately. 

XXXX XXXX XXXX XXXX XXXX # XXXX is passed the statue of limitation and is no not verifiable by any party, current or third. 

I strongly feel as though the are lying and have violated my rights in providing me with EXACTLY what descriptions and procedures were used to verify this. I called and requested the items and they had no answer for me post dispute, so I am very concerned and can not leave my financial life to a third party to verify whom has no proof of this sort of information in the first place. 

My dispute # is XXXX. They claim that the item should remain on file till XX/XX/XXXX but that is false. It should have been deleted on XX/XX/XXXX and it still remains. 
They proved me with no reason, explanation or proof and I am very concerned. What sort of investigation was this exactly? Why am I not able to find this expunged item and they are? Because it no longer exists. 

Is Experian 's system up to date? is there anyways of knowing how current their third party vendors source of resource is? I feel as though it is NOT up to date and it is verifying old items inaccurately. 

I truly want to save my self a day of losing work and going to downtown to print my accurate public information. SO please can this agency have them do a proper investigation and delete this Public Record item.It is genuinely overdue for deletion. Thank you

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 2017-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
{$24.00} XXXX been charge to my credit card for 1 year, I finally asked my bank about it and they said Experian has been doing this forever and then some. I never signed up for any service and they keep taking money. I have tried numerous times contact them on the phone, but they do not answer. 

I figure I already lost the money, but I want the Experian company to be put on notice that they are fraudulently charging money to 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 explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: CA

Complaint narrative:
I tried to pay off this loan and they kept giving me excuses why I couldnt pay the loan off. They said I could be charged a fee from my bank because they would have to go through another way for me to pay it off. I kept getting alerts from my bank saying fraud alerts from a general store in XXXX is trying to get money from you. This happened XXXX2017. This was a {$800.00} loan. The annual percentage rate of 478.9907 % which I did not know about. Now I just received a email saying that my overdue balance is {$1300.00} I tried to pay in full at the beginning but was unable to because they were giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: CA

Complaint narrative:
I looked at my credit report and there is a mixed file. They merged my credit report with my dad credit report. I wanted to separate it out.

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 2017-12-08 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
A Hard inquiry is on my credit report on XXXX XXXX, 2017, not sure what it is from the only thing that is showing is the following, and did not authorize a hard inquiry on my credit report. 

XXXX XXXX, NC 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 2017-12-08 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: CA

Complaint narrative:
I looked at my credit report and there is a mixed file. They merged my credit report with my dad credit report. I wanted to separate it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: ID

Complaint narrative:
My taxes and Insurance are impounded this is the second year in a row since my loan was sold to Arvest Central Mortgage XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Arkansas XXXX ( XXXX ) XXXX that my insurance was not paid on time by XX/XX/XXXX and I received a Expiration letter from my insurance company XXXX XXXX XXXX XXXX XXXX Ca . XXXX ( XXXX XXXX XXXX dated XX/XX/XXXX. 

When I received the letter I called to make sure the payment had not crossed in the mail, todays date XX/XX/XXXX. In fact the payment has still not been made, called Arvest their automated service said the pay was mailed out on XX/XX/XXXX when I got a live operator XXXX he stated the payment was made on XX/XX/XXXX, he advised that they have a 30 day grace period to make that payment, XXXX stated they have 14 days from the due date. 

I am in the process of submitting documentation for a loan they requested Homeowners declaration which will show as expired causing problems with processing my loan. Kindly advise the process and time frames for normal escrow impounds to be paid I have never had this issue with any other company for 30 years of being a homeowner. 

I would love it if Arvest would sell my loan as I have complained about how they accept payments in the past. That was not resolved they stated they did not have to accept partial pays on the acct and I had signed for that, when I pulled the copy of what I signed it reads they " do not have to accept partial pays on delinquent accounts '' MY ACCT. IS NOT DELINQUENT, IT IS CURRENT therefore I do n't see that applying to my situation of me wanting to make the pays as my money comes in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My husband and I have been Toyota owners for over 20 years. We lease our vehicles, and replace them every 3 years so I have had lots of interaction with Toyota. Most recently, we both upgraded to XXXX, and I elected to turn in my XX/XX/XXXX Toyota Prius after a year and a half into the 3 year lease. I am disappointed that I missed the single notice from Toyota ( Toyota sends ALOT of mail ) 4 months after I turned in the vehicle for an additional {$700.00} due, only to be referred to collections 21 days later. Additionally, my husband received his final bill on his lease for mileage within 30 days. 

I called Toyota Financial Services and the manager indicated they are not able to help me. 

I have called the collections company, XXXX XXXX 3 times, and left messages for 3 different people. Before XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, at XXXX. 

I emailed Toyota Motor and they referred me back to Toyota Financial. I 've emailed Toyota Financial earlier today and am waiting to hear back. 

I am VERY disappointed that A ) I am not able to find out what the charge is for ; B ) Toyota only sent one notice ; and C ) This company who Toyota has agreed to do business with has the ability to impact my credit wont return my calls. 

I am so upset that I am trying to resolve this issue and I am not able to get anyone who can and will speak with me. I am very concerned about this impacting my credit and I have a hard time understanding after 18  months with this car, what the issue might be. 

Finally, I am spending way too much time trying to resolve this issue which is beyond ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I initiated a purchase of 10 Ethereum for {$1900.00} The website showed that the transaction has " COMPLETED '' and everything looks normal. The website still shows this transaction as " COMPLETED ''. 

On XXXX XXXX, XXXX, Coinbase deducted XXXX XXXX from my Coinbase account. 

I did not authorize this transfer. I authorized {$1900.00}, not XXXX BTC for the purchase of ETH. Please return my BTC and debit my bank account for this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08 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: AL

Complaint narrative:
I sent a request for an account to be investigated in regards to an unauthorized for inquiry. I spent several days speaking to XXXX. They stated the inquiry was not initiated by them even though it is identified on my credit report by all three bureaus. I have contacted them via mail on four separate occasions XXXX. I spoke to them and three occasions. I also informed them it was there responsibility to investigate the unauthorized inquiry as when I spoke to each of the three credit bureaus they referred me to XXXX. On XXXX XXXX they sent me a letter stating they were not responsible for said inquiry and therefor referred me back to the credit bureaus. This same vendor has been successfully sued on several occasions in where this same tactic has been found to be illegal.

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 2017-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX and bank are misleading and fraudulent. I was out of work for a total of 3 months in the transition of changing employment. I fell behind on payments and on numerous occasions called to ask for smaller payments or a payment arrangement. I was told " No, unfortunately we do n't offer any such program ''. 
Once I began working for my new employer, I made several other attempts in which I was again, denied payment arrangements to catch up with my account. The account was opened in XXXX and remained in good standing until this incident in XXXX. Furthermore, I finally spoke with a representative about 3 months later who offered a 12 month program. Very similar to the one I inquired about yet was always turned down. He set me up on monthly payments. However, little did I know that I would need to consistently chase XXXX XXXX XXXX once again, to ACTUALLY deduct these payments. After escalating the matter, A payment arrangement was finally scheduled for 12 months beginning XXXX XXXX XXXX XXXX. I received a notice in XXXX XXXX stating that my account will soon resume back to normal status once the plan completed in XXXX XXXX. 

Here we are, in XXXX XXXX and I have n't received any other notices from XXXX  XXXX XXXX so I decided to call. I 'm also NOT ALLOWED To log into my account or event view any statement information since initially having the issue one year ago. I stated to the representative that I would like to continue making payments however, she notified me that my account has been closed since XXXX XXXX. This is outrageous! No one has mentioned, or disclosed this and I was notified that my account would resume normal status as of XXXX XXXX. They also failed to mail any letter or memo indicating this. 

The representative then told me that I would continue to not have access to any of my information online. However, they also discontinued sending me statements so I 'm blindy making payments and they refuse to disclose my balance, payments and any other charges they may be adding. 

Please assist with this type of credit card bullying. They took me for a ride this past year and now they refuse to disclose my information per my consumer rights.

Company response to consumer: Closed with explanation