vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
have been contact the citibank many times in the past, the executive XXXX XXXX finally called back, she agreed that what my claim was all true the agent made mistake regarding my account balance only told me that I should pay my balance whatever showed on my bill, even there is a return which will be a credit on my account. 
She is a real calm artist did nothing rather than telling me to pay the bill on my statement

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 monetary relief
Consumer complaint received 2017-11-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
In XXXX, I Co-Sign for my Son so he could qualify to Lease a XXXX Truck ... .when the Lease Term was up he decided to purchase the Truck ... .he did n't require my help anymore so I did n't have to Co-Sign for him anymore ... .I was delighted. When he started having problems with the payments I started getting phone calls from Ally. I explained to them that I was no longer a Co-signer ... they told me that I was mistaken ... .I asked for a copy of the Sales Contract. I was given a Copy years later ... I filed dispute with the three Credit Bureaus and send them a copy of my Drivers License to prove that they were dead wrong. Finally they asked to file a Police Report which I did and is hereby going to be attached. I asked if that be enough to have Ally removed from the three reporting agencies ... they said " YES ''. Well ... here we are and the Reports have not being changed.

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 2017-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I applied for a credit card with Wells Fargo and was approved. When trying to activate my card my cell phone was not compatible with Wells system. I do not have a land line. 

I went through an extensive underwriting process to get approved, they have all they information they needed in order to approved my credit worthiness. 

With no compatible phone number my account was sent to their Fraud Unit. I was then asked to go to a local branch with my drivers license. This I did. However, when I got to the branch, presented my ID and called the Fraud Unit they requested additional information such as my utility bill, etc. All of these bills are in my husbands name. 

This is discriminatory against me for being a married woman. What do I have to do go buy a new house under my name? 

I 'm infuriated with this process.

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 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weinberg Mediation Group LLC
State: OK

Complaint narrative:
Robocall from company claiming to be the Weinberg group from an Arizona phone number. Threatened to notify authorities if I did not respond. I called the number and was told that it was not my debt but a family members. I stated that I have not had contact with them in years and to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: LA

Complaint narrative:
I have tried on several occasions to repair my credit and to clear up the matters at hand, but they keep reappearing. I have disbuted the allegations on several occasions. The company keeps selling my credit files which is against the law. Some the things that were there I have already paid. But they still reappear. It does sound like to me I need to take these people to court. Also the medical bills that are there have already been paid by XXXX or should have been. Please help me clear up this matter before I have to hire an attorney.

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 2017-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
Recently received a notice for garnishment on a judgement I was unaware of for XXXX XXXX XXXX XXXX XXXX. This garnishment notice is dated XX/XX/XXXX and proceeded on XX/XX/XXXX. 

After recieving the notice in XX/XX/XXXX for a judgement I was unaware of I contacted the Attorney whom filed and asked for more information. I have always been under the impression this loan was taken care of when I did a debt consolidation in XX/XX/XXXX in which was completed by XX/XX/XXXX with XXXX XXXX, Dept of Education. The attorney proceeded to tell me that the lender was XXXX XXXX XXXX, XXXX. After researching this further I have found that XXXX XXXX XXXX  has been purchased by XXXX XXXX XXXX and now branded as XXXX XXXX. I spoke with a multiple departments and a supervisor and no one was able to locate any file using my social security number. I asked for this in writing and was denied. I then researched further while XXXX  investigated further and found that CFPB Takes Action Against XXXX XXXX XXXX XXXX XXXX, Transworld Systems for Illegal Student Loan Debt Collection Lawsuits. In the Case XXXX Document 3-1 Filed XX/XX/XXXX I found that XXXX XXXX XXXX XXXX XXXX XXXX filed for a garnishment against me this same day. When speaking with the attorney they are refusing to give me any further information in reagards to this loan. In XX/XX/XXXX I filed Chapter XXXX BK after the sudden death of my husband and found XXXX XXXX as a creditor and I contacted them for more information and they stated they can not discuss my account and they would mail me documentation that could take several weeks. In further research I found A copy of the consent order entered against XXXX XXXX , XXXX XXXX Document 1 Filed XX/XX/XXXX. 

I have not received any documentation from XXXX or Transworld , Inc. and I am asking if this case that has been filed in my behalf would apply to me and my current situation. I have requested documentation and clarification of this judgement against me from multiple companies and several calls to the attorney that has filed against me ; I have not been able to receive a straight forward answer. When dealing with the attorney she has been rude and unhelpful in this matter and simply states I owe this and I am going to pay it. I am very concerned about this judgement due to the recent judgement placed against these companies. I appreciate any help I can receive at this time. In the past several years I have done everything I thought to make sure I am taking care of my obligations as a reasonable adult and single parent. I greatly appreciate your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: TX

Complaint narrative:
This appears to be systematic problem that would affect anyone paying off there loan, when they have a different mailing address on file, because XXXX is only mailing refunds to the property address not that of the mailing address on file. 

I had sold my house and the closing was on XXXX/XXXX/XXXX. The title company then sent the payoff funds on both my XXXX and XXXX mortgage to XXXX. XXXX was overpaid and a refund was due to me on both loans ; however, when I contacted XXXX they told me the XXXX mortgage refund was sent to the property address because I need to send a change of address. I had advised the XXXX that XXXX has my correct mailing address for many years now, because this was a rental property and a " change of address '' to XXXX was not needed. I was already getting mortgage statements, etc. from XXXX at the correct address. Then after the run around, I finally got XXXX to cancel the XXXX refund checks sent to the property address and reissue them. However, they then again sent the refunds to the property address! Again after the run around, XXXX advised they would not issue XXXX more stop pays and they wanted to wait to see if the refunds are returned to them or forwarded to me. I told them my forwarding address expired many years ago, they had my correct mailing address for many years and obviously the new owner did n't return the first checks, the XXXX set probably is n't going to be returned as well. 

I had told XXXX I was going to file a complaint, if my refund was not sent to me at the correct address and was told there was nothing they could do. Obviously this is well past the 20 days allowed to issue the refund. XXXX then continued to hold my funds at their benefit and continued to rely on their internal system, which did n't make any sense. Instead they kept telling me I needed to send them writing notice of my mailing address, but I then again reminded them it is correct in their system and has been for many years! This was a rental for 12 years, so my mailing address has not been that of the property for some time. ( It appears they only look for a newly filed change of address to send the refunds to the mailing address rather then the property address. ) This process/system needs to be investigated! 

I finally got XXXX refunds dated XXXX/XXXX/XXXX and received them in the mail shortly thereafter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
On XXXX XXXX XXXX, I sent XXXX Bitcoins from my XXXX wallet to my XXXX wallet, with the intention of exchanging it for XXXX. The transaction showed as pending on my XXXX wallet more than a week. On their website, it was mentioned that even with high traffic o the network, the transaction should n't take more than XXXX hour. What 's worse, after awhile, the whole transaction disappeared from my XXXX wallet! It 's as if it had never happened! However, after checking the transaction hash with XXXX XXXX, it showed that the transaction had went through. 
I contacted support while my transaction was pending on XXXX XXXX XXXX. After not having gotten any replies from them, I tried several other avenues such as XXXX forum, emailing a direct person, opening support tickets on their website, all to no avail. 
More than a month later, I got a reply from support, from a person named XXXX XXXX After a few messages, XXXX conceded that he needed to work with a 'specialist ' to resolve my issue. That was XXXX XXXX XXXX. I have since contacted XXXX but there has been no response. 
I have researched their company online after this incident and it appears that I am not the only one. It appears to me as if they have taken that money for their own. A cryptocurrency exchange should n't take so long and they should return the money back to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I 'm writing about a check that was processed thru Chase Bank on XXXX/XXXX/XXXX for XXXX. The check was signed but not authorized to be put through our checking account had an available balance of about XXXX in it. I had a few other thing that was pending that got pushed up and I received overdraft fees for those items that was pending ahead of the check. I called Chase to resolve the issue that stated it 's nothing they can do to call the merchant because it was paid. I asked Chase why would they pay this item without the funds available Chase stated they decide which items get paid or return. This check was attempted to be deposited on XXXX/XXXX/XXXX and it was returned because I only had XXXX cent available and I got a a XXXXfee now all my recurring items are being returned and I 'm getting fees. Chase will not work with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent three letters to XXXX, Equifax, and XXXX ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX, Equifax , and XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... XXXX, Equifax, and XXXX acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This debt collection agency, after I have already contacted them, have called my parents for over a week nearly every day besides the weekend. This is illegal and needs to stop. I do not live with my parents, they did not co-sign the debt that is being collected, and they have no reason to be contacted. My XXXX is a CEO of a very large company and they continuously call him getting in the way of his meetings. I have sent a do not contact order by mail and have a lawyer since the laws were pushed by this company and have been a nuisance.

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 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I worked for this company for 3 months and witnessed many infractions of the FDCPA. Two of the most common : - Debtors are supposed to be notified in writing of the debt being collected on. The owner of ATG Credit decided this was too expensive, so only sent letters on certain dollar value accounts, or to clients we were able to speak to verbally. However, the debtors who were not sent letters were still pursued via skip trace and countless calls. 

- Questionable debt. There were a couple of clients we were forced to collect " debt '' on, who did not seem to be able to prove the debts were owed. These debts counted in the 1000s, contained low balances and were very old. No written letters were sent to debtors for these clients unless verbal communication was made first, and we were not allowed to open disputes on the debts for anyone who asked that be done. Instead, we were forced to close the case ( upon threat of write ups ), meaning this debt could still be collected on and resold, without the dispute ever being researched.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: IL

Complaint narrative:
I sent XXXX letters to XXXX XXXX, and TransUnion ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX XXXX XXXX and TransUnion to show me Verifiable proof ( an original Consumer contract with my signature on it ).  Under the FCRA, unverified accounts must be removed ... XXXX XXXX and TransUnion acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..

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 2017-11-02 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: IL

Complaint narrative:
I sent three letters to Experian, XXXX, and XXXX ( one in XX/XX/XXXX and over 30 days later in XX/XX/XXXX ) asking that they  investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded Experian, XXXX , and XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... Experian, XXXX, and XXXX acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..

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 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Green Trust Cash, LLC
State: NJ

Complaint narrative:
I received funds in my credit union account for a loan I did not apply for. I did not notice the funds until a payment came out of my account. I offered to pay the loan back in full for the principal, however I need to pay interest at a crazy rate to pay the loan back. 

I do not believe anything was signed for and if it was electronically, it was not with my knowledge. 

I would like to return the funds and have all of my information removed from the system. 

I already have placed holds on my bank as well as my credit report and working on locating who applied for a loan in my name, however I believe my information was sold from another website, which is also being looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX, cashcentral withdrew {$610.00} from my checking account. I revoked all ACH transactions on XXXX/XXXX/XXXX. I called the company and they agreed to return my money because I had revoked ACH and they went against it. I called them on XXXX/XXXX/XXXX. I have been calling everyday since then to figure out when my payment will be refunded. They had me send them a bank statement showing it cleared, which I did on XXXX/XXXX/XXXX. I can not pay my rent due to this mess up. I am going to get charged late fees and essentially kicked out of my home because of this. I just want my 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 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
This account was opened online with a family member using my personal information. I had no knowledge of this account. The site only ask for information easily attained and does not make an effort to insure the identity of its customers.The amount was XXXX XXXX no payments were ever made which shows that this account was opened with the intent to be fraudulent. I have several instalment loans that i pay on time and am never late. I have told this company several times that this is not my account and have requested it to be removed. It shows on my credit file as a deliquent account that was closed owing money. This is negatively affecting my previously good score. I am not willing to wait 7 years for it to roll off when it was fraud. The company has refused to remove which is extremely upsetting.

Company response to consumer: Untimely response