vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to report debt collection agencies that have been harassing myself and known associates and family members. I have received over the past few months. It has gotten to the point of my family members and friends being contacted repeatedly by debt collectors. They have been receiving threatening phone calls as well. Please let me know how I can prevent this harassment to desist. 
Repetitive voicemails to myself, my mother in law, cousin, and husband. Some two to three times in  a row. 
The most recent voicemail stated that they will contact my employer about your debt because it is now a location of interest I have received calls after XXXX XXXX CST on all days of the week, excluding Sundays. 
I receive calls constantly on my work number which is strictly prohibited by my employer. 
I have received voice messages stating that I will be served paperwork if I do not return phone calls. 
I have received phone calls without disclosure of the collector 's identity. They refer to themselves as the firm and a Law Firm They end the phone call with I will be seeing you soon which is threatening in nature. 
The phone numbers I have been receiving calls from are as follows : XXXX File # Referenced XXXX XXXX No voicemail left XXXX No voicemail left XXXX No voicemail left XXXX File # Referenced XXXX Cadence Farmer is the individual who left the voicemail. 



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 explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
I had my car loan with XXXX. During my loan period with them, I deferred my XX/XX/XXXX payment. Both I and the lender agreed it was ok. Santander bough my loan from them in XX/XX/XXXX. This information want passed to Santander so they said I was missing a payment. I talked to multiple reps and even a supervisor they said it would get fixed because they too saw that I deferred a payment. Its been over a month and they never resolved my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not a duplicate dispute. This is a factual dispute in regards to XXXX XXXX 's reporting of the accounts opening date to XXXX, Experian, and XXXX. XXXX has my opening date as XX/XX/XXXX ; whereas, Experian, and XXXX cites the opening date to be XX/XX/XXXX. This may be minor, but since it is inaccurate it can no longer be reported on 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 2018-06-01 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: U.S. BANCORP
State: TX

Complaint narrative:
I opened a complain with the CFPB about an issue I had with U.S. Bank ( details of that complaint below ). U.S. Bank stated they would resolve the issue back in XX/XX/XXXX, it is four months since that reply and yet nothing has been resolved from their end. I've tried contacting them via phone, but they refuse to acknowledge the complaint was ever received or " resolved '' and are insisting that it isn't in their systems. I have a written response from U.S. Bank that was sent through the CFPB, but yet they haven't done what they stated they would be doing in the letter as my credit inquiry is still showing up on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Opened " XXXX XXXX '' account in XX/XX/2018 in my name. Funded it with {$100.00} from my credit union 's checking account in my name. Without notice, warning, or explanation the account became blocked. After chatting it up with extremely professional customer service representatives I had the account unblocked. Why did it get blocked in the first place? It remains a mystery to this day! Decided to use the online bill-pay to test it out. Paid XXXX XXXX, XXXX, & XXXX. All credit cards. All in my name. The payments went out. Then I received an e-mail from XXXX XXXX stating that I had sent them a payment which came back " insufficient funds. '' I thought it was a phishing attempt or spam, because I had more than enough money in my account to cover the online bill-payments. It turned out my " XXXX XXXX '' account got blocked again! Thus causing all the credit card payments I had made to come back as " insufficient funds '' which is not true. I had and have sufficient funds. " XXXX XXXX '' whether knowingly or not, whether on a technicality or not, did not tell the truth about my financial status to my credit card companies. In defamation and libel cases, even if there was no intention on the part of " XXXX XXXX '' to have done this - it is no defense under the laws of the State of California. So of course, I called up " XXXX XXXX. '' I was told my account got unblocked and the payments would get disbursed to the payees, and not to worry. Well of course, that didn't happen. The account got blocked again, or I was misled. Because of " XXXX XXXX '' - payments bounced to XXXX XXXX, XXXX, & XXXX. I have had good positive relationships with those credit card companies. Then this happened! I even received a letter from a company called " XXXX '' about these " insufficient fund '' transactions. All of these different counts of defamation and libel. It was and it is simply not true. I called " XXXX XXXX '' up and was told someone would get back to me. They never did. No call from a supervisor. No " bedside manner. '' None of it. I probably would have been okay with some kind of resolution from a higher up at " XXXX XXXX. '' But that didn't happen. I wrote a letter to " XXXX XXXX. '' No response. Then I stepped it up with a demand letter. A response from an " XXXX XXXX '' in XXXX XXXX XXXX. Now I wait. I do not want anyone else to go through what I have. It is not worth it. This is not the same " XXXX XXXX '' that the XXXX family put into place. To say I am disappointed is an understatement. I am sad. 

Your Desired Resolution : {$10000.00} and a handwritten apology from a " XXXX XXXX '' executive.

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 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
They closed my account for wat they say was suspicious activity and to many claims

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 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation no knowledge of the fraudulent accounts on my Transunion credit report. FTC ID Theft report # 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 2018-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Failure to provide ways to make auto payment. Site gives errors when payments are submitted. Bill pay payments undeliverable and always get hung up on Since day one of having this account i have had nothing but issues with BBVA. From website issues, payment solutions page always giving errors when making payments, being told to go online but then tells me my account is not found. I have incurred late payments due to this even when i try to pay on time!! I have been speaking with XXXX XXXX in regards to this and all proof was sent to him and he corrected a few lates and took payments manually for me. Everytime i call i get hung up on, told i will get a call back then no call back at all, left several voicemails for XXXX and no repsponse back. I was told to login to BBVA site create account and i can pay and view bill online. Once again says no account found, or system error when i use solutions page to pay. Issue not fixed when stated it was! Last i spoke to XXXX and he said he would look into this and get it fixed moving forward and have all lates removed from my credit due to this issue. Here were are again and now 60 days late because they wont take my payments, calls, hang up on me and site still not working and my bill pay via my bank comes back undeliverable as well! I received a call back and voicemail stating they were researching the issues to fix this for me and i called back and not one phone call back since!!! They blow up my phone in collections for manual calls but everytime i answer there nasty and rude and hang up on me, or wont get me to the person i ask for to resolve this and try to explain what has been going on and was told to speak with XXXX directly since he is handling this account for me. Then when i try to call and pay they don't answer, hang up on me, or no automated payment system to even pay with! I can't even trade car in now because of all the inaccurate late pays they reported which were all from their website and payment issues. I have found out as well others who have this company are experiencing the same issues. 

I also uploaded a voicemail confirming they are researching the issues to get this resolved and fix my account and when they said for me to call back i did 2-3 times.. and not one call back or email to update me on anything. NOTHING WAS DONE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Ally  Auto owned the loan to my XXXX, in mid XX/XX/XXXX my husband sent them a check for {$25000.00} which should have more than paid off the loan. In late XX/XX/XXXX I called to find out why the check had not cleared and found they had posted the check for only {$25.00}. It took over a month to clear this up. The check has now been correctly posted for {$25000.00} and a refund of {$1400.00}. ** was supposedly mailed on XX/XX/XXXX. I called to find about my GAP refund and was told it was included in the refund ( it is not, the math doesn't work ), I was then told that GAP refund would take 45-60 days. I had cancelled the GAP insurance in early XX/XX/XXXX through the dealership ... I called XXXX XXXX and they confirmed that the refund they issued cleared their bank on XX/XX/XXXX. I called Ally back and gave them this information, after transferring several times they stated that they found the refund {$410.00} but it would still be 45-60 days. I feel I shouldn't have to wait this long, especially since they have had the money over 30 days and that they should be paying me interest on the money they have held over 10 days ( that is more than enough time to cut a refund check ). As of today I have not received refund of the overpayment or GAP they owe me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$30.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$30.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} THESE ARE REFUNDS To my prepaid debt cards has nothing yo do with y paypal account it stands alone they put a hold o both of y cards 1 ending i XXXX & XXXX business debt card 4 six months 180 days which is cash money i funded to my card they say i was sending money to myself however i was sending money to a business account 180 is out of the normal time frame to hold a consumer money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
After XXXX XXXX My checking account balance overdrawn message received on my phone at night around XXXX XXXX  and immediate i went to PNC ATM machine and Cash Deposit in amount of {$200.00} made balance positive immediately and I received text message that your overdrawn item was covered and next morning bank charge {$36.00} for each overdrawn item just for few minutes I requested waive this two Fees {$72.00} total and they denied at first time I escalated problem and they denied again. My question is If i take care my financial matter within time and my account balance become positive within short time period at night. I went at night XXXX XXXX and made CASH DEPOSIT and account was positive balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
My job received a letter from XXXX County NJ courts to garnish XXXX from my wages. My employer funrnished me a copy, this was the first I heard of this alleged debt. I called New Century Financial who  supposedly purchased the debt, from another collection agency. As far as they could tell the original debt is from XX/XX/2003. I told her the practice to collect on such an old debt is at best unethical and at works illegal. I was informed that XXXX XXXX on credit card debt for 20 years which is a lie and illegal. Since she refused to help, I called the court house and they confirmed the original debt was from XXXX in XX/XX/2003. The Statute of Limitations is for 6 years on a credit card debt. This is 15 yrs old. Furthermore I do not recognize the debt, I do not remember having a credit card from XXXX ever. Therefore here has been no payment on the account that could possibly renew the 15 yr  old fraudulent debt. The law firm of XXXX, XXXX XXXX XXXX XXXX XXXX is buying Zombie Debts and using unlawful practices to obtain money from people. Also the XXXX County Courthouse should have known better!

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 2018-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA violation I have no knowledge of the fraudulent collections account on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX agency put a collection account on my credit file without notifying me or anything. I have no idea where this debt came from. It is a phantom account. I wrote this collection agency and asked them to validate this account and where it came from. They have not responded to me and are still reporting it on my credit. it has now been 90 days.

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 2018-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
First Federal Credit Control has listed as of XX/XX/XXXX, 2 accounts totalling {$1400.00} on my XXXX  report and 3 accounts on my XXXX report totalling {$1500.00}. I sent a certified Debt Validation letter giving them 30 days to respond. I have since filed a complaint with the XXXX, # XXXX in which First Federal acknowledged reciept of the certified letter on XX/XX/XXXX. The resolution i am seeking is validation of the alleged amounts. They responded to XXXX stating they could not find the accounts, spoke with a " XXXX '' who was rude and said that " My bills '' were in route and my debt validation letter was " Jargon '' that did not matter. I seek to have all listings from First Federal Credit Control removed from all 3 credit reporting agencies. They have not complied with my Debt Validation request giving them until XX/XX/XXXX to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a credit card with capital one. I have not used it in one year. The interest is {$100.00} per month. I have been paying it and not able to pay more to decrease my principal. 
I called XX/XX/XXXX I was offered to : close my account, lower my interest from around 20 % to 7.4 % pay {$74.00} per month. The woman put me on hold and call got disconnected. 
I called right back and was told the offer is no longer available because the call was not completed!! I sent a letter to close my account and call me to resolve the interest. No one contacted me. I called XX/XX/XXXX spoke with ID # XXXX to no avail spoke to her supervisor XXXX and she told me they can not offer it at this time. I am desperately trying to resolve this and Capital One will not work with me. I can not continue paying {$100.00} per month and not lowering my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I submitted my IBR ( Income Based Repayment Plan ) Documents electronically to Navient on XX/XX/XXXX via the Studentloans.gov site. On XX/XX/XXXX, Navient confirmed that they did receive my application and as long as my income information was included there was no further action to take on my behalf. I did use the IRS income tool, so everything should be included that is needed on their end. 

As of XX/XX/XXXX, Navient has not even begun to process my IBR claim and they continue to send me statements, delinquency notices. The latest notice I have is dated on XX/XX/XXXX. I have contacted Navient twice so far via email to ask what the status is of my IBR claim and about the Public Service Employee Forgiveness request I made. They responded in regard to the Public Service forgiveness request, but didn't respond in regard to the status of my IBR claim ; they only mentioned that my account is delinquent and I need to submit an IBR request.

Company response to consumer: Closed with explanation