vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: CA

Complaint narrative:
debt resulted in termination of lease over 2 years ago, ,no info was ever recieved until now ... we moved to a house we settled the acct from the previous apt company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV FUNDING LLC ... 
{$410.00} {$450.00} {$580.00} On XX/XX/2019 I sent a debt validation letter to LVNV FUNDING LLC which clearly states I am requesting the documents that they have that are supposedly tying me to the accounts they are saying belong to me.i sent the letter via certified mail, it was signed for and I have not heard back from them.at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: NJ

Complaint narrative:
As of the date of this letter has MIDWEST RECOVERY SYSTEMS, LLC has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: MO

Complaint narrative:
The following inquires are fraudulent and unknown to me, please remove. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX ( XXXX ) 4 ) XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 )  XXXX XXXX ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX   XXXX  ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 )  XXXX XXXX ( XXXX ) 15 ) XXXX XXXX XXXX ( XXXX ) 16 ) 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 2019-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd
State: MI

Complaint narrative:
The company called transferwise delayed my transfers for upto 3 weeks without any tangible reason. This caused the death of my XXXX XXXX XXXX brother in law that was under my care in the hospital. They closed my account due to my further complaints and a request for a compensation. They already know. They should remedy this situation before it goes out of hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: MO

Complaint narrative:
The following inquires are fraudulent and unknown to me, please remove. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX ( XXXX ) 4 ) XXXX ( XXXX ) 5 ) XXXX XXXX  ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 )  XXXX  XXXX ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX   XXXX  ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX ) 15 ) XXXX XXXX XXXX ( XXXX ) 16 ) XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
For over 15 years, I have been a TD Bank customer, the past 9 years I have been living and working in XXXX, GA. Prior to that I had a visited branches in NJ, NY and ME. 
For the past 5 years, I have only used TD Bank online and have not been into a TD Branch as there wasnt a branch even remotely close to my Georgia address. 

In XX/XX/XXXX, I moved abroad ( XXXX, XXXX ) with my Company, and received a new mobile number and am now at my new address. 

I am experiencing the following issues : - The online system does not recognize the computer Im logging in from, and requires a text with a code be sent to my disconnected cell phone number in order to authenticate the login credentials ( user ID and Password ) that Ive been using continuously these past years. As Im unable to validate my credentials using my old cell number, TD Bank will not allow me to log into my account. 
- When I call the Customer Service Center I am asked to provide my Branch Password, it has been explained to me that this is the password I use at the branch I go to, I explain that I havent been to a branch in years and am told that the only way I can unlock my account, change my phone numbers, update my address or really accomplish anything is by going to a branch. I have escalated this up to a supervisor multiple times and am told different things each time, but it always ends with I have to go to a branch. 

Since XX/XX/XXXX, TD Bank has locked me out of my accounts, with no way to regain access other than to visit a branch on the XXXX XXXX of the United States. 

I dont plan to travel back to the United States until the Summer of XXXX, even then I will only be on the XXXX XXXX without access to a branch. 

Please provide instruction/direction on how to regain access to my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Sams Credit closed my account without my knowledge during the process of a payment being made. They never tried to reach out to me by phone, email, or mail that there was a problem with my payment they just closed out my account without a warning. Very suspicious and I am detecting some type of identity theft and this sounds really fishy that they would do 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 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I reported frauduntly charged transactions on credit cards with USAA. It seems that USAA is not handling the claims properly for reasons ; 1 ) Never kept me updated on the claims 2 ) Not investigating all reported claims or does not pay attention to filed claims to identify every claim correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
On XX/XX/2019 I applied for a payday loan. It was granted for the sum of {$800.00}. Before I accepted the loan, I asked what was their interest rate. To compare with a couple of others I had in mind. Representative, fed me the run around, by stating interest can not be seen until she set up payment schedule. I selected to payment plan of 5 months for safety net, assured I could pay back without harming my house hold. So rep stated it would be {$240.00} for every scheduled pay day I have selected. I'm thinking only 5! So I agree to the loan.Figuring est of maybe the interest was around {$300.00} bucks. To me that's reasonable. Was told my first payment was gon na be {$150.00}. The the rest would be the {$240.00}. My first payment was due on XX/XX/XXXX. My check I deposit was clear on the XXXX. I went on website logged in and made payment for {$150.00}. That's when I saw whole picture, which I submitted in the photos. {$150.00} was broker fee and lender interest. So I looked at my payments history my balanced still read {$800.00}. ( None of that towards my principle ) So no wondering why is the no decrease towards my principle, and I Immediately called the Power Finance Texas customer service. I stated sorry for paying a day late. I said I made payment, but I notice my principle is still the same how come? She said my loan was prorated, so that was the fee. Not told this before! I also asked why does my payment schedule show 13 payments due instead of 5? Rep stated that payments of {$240.00} would be due twice a month! That's when I realized this was no life line but nightmare! 8 extra payments is and was not the agreement I said to her. So I told her I calculated 13 x 's {$240.00} it came to {$3100.00}!!! On a {$800.00} loan!!!! I said I don't feel it's fair I got ta pay back almost triple what I borrowed. How {$800.00} get to {$3100.00}? She said the fees are added every day by {$16.00} and some cents per until day the loan is paid off in entirely. I said if you would have told me that at first I certainly wouldn't have agreed to taking a loan from you. I told her this was my first loan, and certainly the last. Because true stipulatIons was I felt withheld. Website stated lower amount per {$100.00}. Couldn't just take the highway robbery, so I came to report which to me feels like entrapment! I more worse off than when I started!!! HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I got divorced in XX/XX/2018. My husband has a dispute with his electric company. He has settled the dispute and moved forward with a payment plan. I have not lived in the property where the electric has been used for over two years. 
I reported this to Transunion and they supposedly investigated it. Nonsense. There is no possibility this was properly investigated. I do not have anything to do with this debt.

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 2019-08-30 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Not mind and did give Permission to pull my credit.

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 2019-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I, XXXX XXXX signed up through XXXX website. I have received 2 email alerts over 2 hard inquires on XX/XX/XXXX and on XX/XX/2019. It is from Company MIDLAND CREDIT MGMT INC Address XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone XXXX I have received letters from this Company, stating I owe money but does not state who/what this is for. If this is a old bill, I know for a fact this is over Statue of Limitation for this bill but unsure what is all about, as they don't state why I owe this or who the original bill is from. What is the original date for this and who is the original debt that I am suppose to owe. They just keep sending letter every 6 months to a year and inquiry on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The car had so many problem and they knew that most of my money want to the car by fixing it instead making my payment on time and miss days out of work ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I deposited a check for {$120.00} from my XXXX XXXX XXXX XXXX XXXX account into my Bank of America account on XX/XX/2019. For some unknown reasons, Bank of America pulled off the check, that's what I was told by Credit Union, because the funds was there in the account, yet Bank of America pulled off the check and returned it as unpaid.Now, on XX/XX/2019, Bank of America placed a hold on the same check # XXXX, then withdrew the funds from my Bank of America account, and charged me {$12.00} charged back fee, and that gave Credit Union the opportunity to charge me {$30.00} fee, even though the funds was available in the account. My question to Bank of America is, why did they extract check # XXXX from my BofA account, and also charged me {$12.00} charge back fee, instead of getting it from XXXX? Secondly, what happened to check # XXXX on XX/XX/2019, for it to be returned unpaid?

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 2019-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I want to raise concern due the company not reviewing my full application for medication. The company keep saying I do not live in the house. I have provided proof several times to the company that I do in fact live in the house. But I feel the company just want to take my home. 

Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
My wife and I purchased 2 international round trip airline tickets, to go on a cruise for our honeymoon. the airline stranded us in XXXX for over 24hrs, we took a different airline to get to and from, they also caused us to miss multiple days of our honeymoon. an overall awful experience. and the only thing that makes it worse is Chase Card services telling me the {$2400.00} charge for airline tickets we did not use ( due to XXXX XXXX rescheduling our flight ) is valid ... I've never been so disappointed with Chase in my life. Please help. 

Sincerely a 12 year customer of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I recent just start off with the bank me and fianc only had it less in a week, my account was hacked and compromise they sent me letter the mail saying it was a check deposit XX/XX/2019 large amount XXXX ... regions didnt tell me and fianc they had a data breach going on. My fianc account was hacked as well they try too blame her for begin responsibility but she was hacked as well they got data breach compromised they know it but didnt tell us bad company they closed my fianc account aint do nothing about it this bank need be closed they are unprofessional I was wondering why they dont get a enough business ... .they are not caring bank I want me and fianc shouldnt deal no comprised on a bank that dont care or try too help us its sadden we feel unsafe with our ssn numbers if our account on compromised ... something need too be done we shouldnt have pay no fees nun we need our money back and refund

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 2019-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I purchased tickets through XXXX post to a XXXX user XXXX XXXX email address XXXX. The transaction took place on XX/XX/XXXX at XXXX. I used my XXXX account that was linked to XXXX. I sent {$130.00} for 3 tickets. The seller has since vanished. XXXX has said they aren't responsible to protect users against fraud. XXXX should have fraud protection in place if they are promoting this as a bank backed app.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I bank with Capital One, Thursday night ( XX/XX/2019 ) i want to go a ATM deposit at the XXXX XXXX branch, the deposit was for XXXX. The ATM took the money, then returned it with the fresh bills crumpled up and XXXX dollars was missing and not counted for. I immediately called to file a claim with the bank itself, as well as take a photo of the ATM i used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I enrolled in a XXXX XXXX Checking account promotion for {$400.00} on XX/XX/2019. The promotion indicated that to qualify I would need to do direct deposit of a total of {$2000.00} or more within 90 days and then the bonus would be applied 30 days later. It is XX/XX/2019 and I have not yet received the bonus.

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 2019-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP
State: PA

Complaint narrative:
Key Bank auto loan. 

I have made several attempts to pay my loan over the phone and by mail. They are saying it takes so many business days to process. This has been going on for 2 months of me trying to pay my loan and no payment has been credited to my account. Yet the keep calling me at my work phone which I told them multiple times not too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: PA

Complaint narrative:
I was applying for a new credit card at Discover and provided every bit of information that they requested including the all the documents proving identification. After speaking with an agent it came to light that it is required that I talk on the phone to confirm these details but I speech issues on the phone which makes talking on the phone very difficult and causes quite a lot of anxiety for me. I let the agent know that and they were respectful but did not provide another option and canceled the application. Just sad that discover could not be more assistive to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
On XX/XX/XXXX. Midland funding place a judgement on me without verifying any of my debt or giving me notice to dispute the cc. The cc charged me unfair fees. They started harassing me again in XX/XX/XXXX calling me 10+ times per days, swearing at me and threatening to take everything I have at that time I told them not to contact me by phone. I filled out paperwork showing I have XXXX children and a limited income and they where unable to garnish my wages because I didn't make enough to support us. The calls stopped and I have not heard anything from them since. I have since moved from my previous address. Yesterday XX/XX/XXXX I deposited my payroll check I to my bank account and went to the store to find out my card was declined for nsf funds. They drained my checking account and took all but XXXX. Of my fiance 's saving account ( we have a joint account and this was from his paycheck direct deposit ). I called this morning XX/XX/XXXX to talk with the collection agency and they notified me that they can do this without any notice even after 7 years. They had my old address on file when they asked me to verify my Info I gave them my new address. I have XXXX children to support, rent due in 2 days and they have taken everything without any notice or option to payments or ability to fight the actual charges they say I owe which is unfair fees I was charged. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: NC

Complaint narrative:
This account is for a apartment complex that I didn't live at nor did I know anyone who has lived there, this complex is in a state that I've never been to, I've called the complex and they have no record of me ever having an apartment in my name there either, the complex also contacted the collection agency and they refused to speak to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation