vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I TRIED DISPUTING THIS ACCOUNT ON MY CREDIT REPORT FOR THE LAST 8 TO 9 MONTHS AND STILL NOTHING HAS BEEN DONE ABOUT THIS. XXXX HAS NOT DONE ANY KIND INVESTIGATION ON MY DISPUTE WHAT SO EVER AND THEY ARE ALLOWING XXXX XXXX TO DO WHAT THEY WANT. THIS ACCOUNT FROM XXXX XXXX   WHICH IS ON MY XXXX CREDIT REPORT SINCE XX/XX/XXXX IS ILLEGAL INTERNET PAYDAY LOAN AND I WILL SHOW DOCUMENTS TO SHOW ON MY BEHALF. UNDER THE FAIR CREDIT REPORTING ACT I THOUGHT THAT IF YOU DISPUTE SOMETHING ON YOUR CREDIT FILE I THOUGHT XXXX INVESTIGATE EVERY CLAIM THAT A CONSUMER MAKES BUT RECENTLY NOTHING HAS BEED DONE. I AM DISPUTING THE FOLLOWING INACCURATE INFORMATION YOU ARE REPORTING WITHIN MY CREDIT FILE PURSUANT TO THE FAIR CREDIT REPORTING ACT. I GOT A LOAN FROM XXXX XXXX OVER THE INTERNET IN XX/XX/XXXX. THE INTEREST RATE CHARGED ON THE LOAN IS MORE THAN 12 % APR. AFTER GETTING THE LOAN I LEARNED THAT VIRGINIA LAW PROHIBITS ANY COMPANY FROM MAKING SUCH LOAN TO VIRGINIA IN EXCESS OF 12 % APR UNLESS THAT COMPANY HAS OBTAINED A CONSUMER FINANCE LICENSE FROM THE VIRGINIA STATE CORPORATION COMMISSION. SEE VA CODE SECTION 6.2-1501. XXXX XXXX DID NOT HAVE A CONSUMER FINANCE LICENSE WHEN THEY MADE THIS LOAN AND THEY NEVER HAVE HAD SUCH A LICENSE. THE VIRGINIA ATTORNEY GENERAL SUED XXXX XXXX FOR MAKING UNLAWFUL LOANS IN VIRGINIA I HAVE COPY OF THE LAWSUIT ATTACKED.. UNDER VA CODE SECTION 6.2-1541 IF A LENDER WAS NOT EXEMPT FROM THE PROVISIONS OF THOSE STATES AND WHO HAD NOT OBTAINED A CONSUMER FINANCE LICENSE, CONTRACTED TO MAKE A CONSUMER LOAN AND CHARGED CONTRACTED FOR OR RECEIVE INTEREST OR OTHER COMPENSATION IN EXCESS OF 12 % PER YEAR THE LOAN WAS AND IS NULL AND VOID AND THE LENDER IS NOT ABLE TO COLLECT, OBTAIN OR RECEIVE ANY PRINCIPAL INTEREST OR CHARGES WHATSOEVER ON SAID LOAN. I WANT THIS TRADE LINE REMOVED FROM MY ACCOUNT IMMEDIATELY. PLEASE IMMEDIATELY REMOVED THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT. PLEASE FORWARD THIS LETTER AND ANY ATTACHMENTS TO THE CREDITOR LISTED ABOVE AND ASK THIS TIME TO VERIFY THAT WHAT I SAID IS ACCURATE. IN ADDITION PLEASE REQUEST THAT THE CREDITOR ABOVE SEND YOU A COPY OF ANY OTHER SUPPORTING DOCUMENTS TO PROVE THAT WHAT I AM SAYING IS ACCURATE. I DEMAND THAT YOU INVESTIGATE MY CREDIT FILE AND DELETE THE INFORMATION THAT I HAVE NOTED ABOVE. WHEN YOU HAVE COMPLETE YOUR INVESTIGATION PLEASE SEND ME A COPY OF MY CREDIT REPORT AFTER MY DISPUTED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc.
State: AZ

Complaint narrative:
On XX/XX/2018 XXXX XXXX indicates that an account or debt was owed by me in the amount of XXXX. This is not correct and I have not been to a XXXX XXXX XXXX XXXX as it is for children. I am close to XXXX years old and I am not eligible to be seen at these types of clinics. The company has posted that I owe this debt and it is on my credit without trying to contact me in any way. I found out about this just a few weeks ago when it landed on my credit. I could of paid long ago if I knew about this to avoid hitting my credit even if it was not me. I have contacted the company and they were suppose to send me medical records and statements on what I was seen for and if it even was my complete information. I have not received anything from XXXX or XXXX XXXX XXXX. I would like to also add that if my medical information has been compromised wrongfully by this company and I would have HIPAA initiate an investigation on how this occurred and if all companies are following the HIPAA Laws and Regulations.

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 2019-02-11 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: PA

Complaint narrative:
They are not providing proper verification as well as deleting the false information that does not belong to me. FALSE ACCOUNTS : account number:XXXX account name : XXXX XXXX XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: CA

Complaint narrative:
In XX/XX/XXXX, I purchased a vehicle from merchant XXXX of XXXX XXXX. I have not physically been on the premises since at least XX/XX/XXXX, and only to service the vehicle. On XX/XX/XXXX, a " hard inquiry '' on my credit was placed by this merchant without my authorization. Upon contacting the merchant, who gave me the run-around for 6 months, the best that they can tell me is that this inquiry was placed due to a " computer glitch. '' The merchant stopped taking my phone calls, so I had to physically go to the merchant 's location and angrily compel them into producing for me a letter admitting that I did not apply for credit there or authorize a credit inquiry into my account from that location at the time in question. I submitted the letter from the merchant to Equifax with my dispute of this " hard pull '' on my report. Equifax denied my dispute, and responded that I will need to have the merchant contact them directly. The problem is, the merchant does not care. I literally did nothing, the merchant took adverse actions against my ( with or without intent ), and now Equifax wants me to somehow force this same merchant who hurt me, to call them directly and help me. I explained to Equifax that the merchant has been unhelpful, and that it made no sense that their process allows me no possible way to remove improper inquiries from my credit report without the assistance of the merchant who made the improper inquiry in the first place. This is ... ..wrong. Please help. Please note that in the letter from the XXXX dealership which I've attached, they made a typo, stating " XX/XX/XXXX '' instead of " XX/XX/XXXX '' - the latter being the correct date. There was only one inquiry from this merchant around the time in question, so the mistake is clear. 

I have already issued a complaint to the CFPB. The CFPB only forwarded my complaint to Equifax, who, in their response to my complaint, just copy/pasted their original response to my direct complaint to Equifax. 

So, the CFPB literally did nothing, and Equifax literally did nothing. How is this any form of protection for consumers when two parties, neither of whom I have a relationship, can make changes to my credit report and CHOOSE to not fix inaccuracies without my input whatsoever. This is why Republicans should never be allowed to govern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
PLease help I am trying to save my home My husband very sick i been spending most of my time taking him in and out of the hospital this making my work and income slow. 
I want and need to catch up on my family home we have lived and made payments on this home since 2005. 

Please help me work with Mr Cooper and XXXX XXXX to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: TN

Complaint narrative:
FOR YEARS XXXX has REPEATEDLY been running my credit for a card that I did not apply. I have actually NEVER applied to XXXX during the times specified in this complaint nor any other time that I can ever recall. My previous complaints involve at least six different runs from XX/XX/XXXX through XX/XX/XXXX being the last after ( XX/XX/XXXX ) which I received acknowledgement that the runs were fraudulent and that they inquiries would be " masked '' which didn't make me happy but at least they weren't maliciously using it to artificially lower my score so I relaxed a bit. THEN on XX/XX/XXXX I AGAIN received a letter where they had run my credit AGAIN! The faked excused that they used this time were 1 ) too few accounts on file recently. This was a BOLD FACED LIE BECAUSE I ACTUALLY HAD ZERO ACCOUNTS ON FILE! Next was 2 ) Insufficient balance in deposit and investment accounts with us AGAIN FAKE as nobody needs an investment account on file to get a credit card. I have told them REPEATEDLY to PLACE A BLOCK ON ME AND MY INFORMATION IN THEIR SYSTEM! 

Apparently, I had an account with XXXX XXXX ( XXXX ) and it contains minute residual funds. XXXX apparently acquired XXXX in a merger/hostile take over which gave them access to my identifying information. Instead of XXXX sending me a check and closing out the account THEY ARE ILLEGALLY RUNNING MY CREDIT AND CONCOCTING FICTITIOUS REASONS FOR DENIAL SINCE THEY OBVIOUSLY COULDN'T JUST HAVE A CREDIT CARD THAT I NEVER APPLIED FOR SHOW UP! This is apparently being done in cooperation with XXXX and Equifax. The reason is that the name used ( XXXX which as a woman and a XXXX I've never actually used ) is only shown on my Equifax report and Equifax was the only credit reporting agency that had a problem removing the fake run in hopes of selling " credit protection ''. XXXX had to be in on this too because their name is being freely used but their website is not if I inquire and get " approval '' they gain fees as I use the card. 

This is my 4th or 5th complaint about this problem and at this point you need to do a public inquiry to see how many other violations are occurring. I may also send out inquiries to the major press organization because I have documentation of these strange goings on THAT NEED TO STOP! MAKE THIS STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX//2017 I opened an account with paypal credit. It should have been paid off by now, but now they have it listed as a ridiculous amount that I did not do. I only started out with XXXX, now it is over 10,000.00.  That is ridiculous. There is no way I spent that much.

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 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
I pulled my credit report and there is a account called discover credit card with a XXXX balance I didnt apply for and I called discover over and over and explain that didnt apply for this account and they have started a investigation and after 90 days I was told I wasnt responsible for it and the next day I was receiving calls from the debt collectors and I explain too many times that I didnt apply for a discover card   and its on my credit report and XXXX refused to remove it from my credit report after It was blocked again this morning on XX/XX/2019 I called XXXX today and see if they block the account and they said they are unable to block it and Told me I need to contact discover to reopen the dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Performant Financial Corporation
State: IN

Complaint narrative:
This company put a levy on my bank account. XXXX XXXX XXXX XXXX, I contacted them and was told to pay {$1000.00} down because I do not have the entire amount of {$2.00}, XXXX. I called almost everyday trying to get someone to set up reasonable payment arrangements with me with no success. My Uncle agreed to loan me the {$1000.00} down and he paid the {$1000.00} via phone today XX/XX/19 and I set up payment arrangements to pay {$300.00} per month to pay off the balance {$1400.00}. Then about 2-3 hrs later XXXX called me back to say were canceling your payment arrangements and moving forward with garnishing your pay check instead, after they took the {$1000.00} down payment. I tried again speaking with someone, I spoke with XXXX ( XXXX ) XXXX who I could tell by the tone of her voice was going to be of no help. She told me that I had told them that I could never or not pay {$1000.00} down and I told her yes but I have borrowed the money and it was paid. I told her the arrangements that I was told and she disagreed with me, which I know what each person told me to do because I would have never had my uncle help me and he also verified it with them over the phone before making the payment. XXXX declined to listen to all of the taped calls including the one with my Uncle. She even stated Im not going to argue with you about it and hung up on 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 2019-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: DCI Credit Services, Inc.
State: ND

Complaint narrative:
XX/XX/2012 I called about the validity of the debt after being served with summons. I had insurance at the time thought it was a billing issue. Requested information from the DCI regarding the bill. Dates and type of service. I never received any. I've not heard from them since XX/XX/2012, I thought this was a billing issue and it was resolved. I received a garnishment in the mail last week and called dci to figure out what was going on. She insisted that they had been working the case but stated the last time they tried to contact me was XX/XX/2012. I called the hospital but the record is so old they cant access it anymore. I called back to dci after calling the insurance company to verify the billing which was never provided in XX/XX/2012 as requested. She would not take 2 payments of {$350.00} to satisfy the judgement, even offered to give her my card number to run on two paydays. I called the attorney listed on the paperwork to resolve the issue but they transferred me back to dci. This seems like a complete violation, even their log states that I requested documentation of the unpaid bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I accidentally sent check to Bank of America : my Bill Pay through XXXX XXXX sent payment to Bank of America instead of XXXX XXXX where check intended to go. I have screen shot I filled in correctly. 
I do not have an account with Bank of America however bank cashed my check and is not refunding credit balance. I called about 25 times spoke with various managers, was promised they would refund the money which is over $ XXXX. 
It has been a month, I still dont have my refund. This money supposed to go to XXXX XXXX to pay my property tax.

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 2019-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have had store accounts through Synchrony Bank with an address in XXXX, FL for : * XXXX XXXX XXXX XXXX XXXX. 
*Wal-Mart These accounts have not had a balance in years, yet Synchrony continues to hit my credit report every other month. The phone numbers listed on my credit report will not allow me to close the accounts, only make a payment. 

Synchrony Bank 's direct number was useless in trying to close these accounts and stopping the bank from hitting my credit every other month. 

Because these accounts are old and paid off, I no longer have the card or account numbers.

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 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened a line of credit for {$4000.00} via XXXX thru XXXX XXXX and was told, if I did not pay it in 2 years, I would be charged finance charges and interest on any remaining balance due as of XX/XX/XXXX. Based on the company 's transaction records, my first payment was made in XX/XX/XXXX, 16 months after I started the account. 

My first statement of record was XX/XX/XXXX, which I have enclosed and it shows a payment due of {$260.00}. 

On the XX/XX/XXXX statement, which I have enclosed, you see a payment made on XX/XX/XXXX of {$260.00}. None of the payments that are on the pdf statements on XXXX XXXX website are in my digital transaction history, also on their website, which I have screen shot and enclosed. 

I am including the most recent statement for your review, which shows of the {$4000.00} financed, payments and credits are {$3800.00} and I still owe {$3900.00}, which is basically the balance I started with. 

I did not pay on time each month, but tried to double up to keep up with the account. I went on XXXX XXXX website to pull XX/XX/XXXX statements, and as you can see, they show nothing due on the XX/XX/XXXX. I believe my balance per their pdf statement files do not match their digital transaction records, which means there is a chance I am being charged more finance charges than I should be. 

Even though I realized there was no finance charge for 2 years, I do not understand why no payments are shown in the attached transaction history. 

I have included the XX/XX/XXXX statement to show how all of the fees were billed at that time which amounted to thousands of dollars. In addition to that, I am being charged {$95.00} per month in finance charges on top of the amount due. 

I contacted XXXX and the representative only wanted to know how much I would pay, even when I pointed out a problem on my account. 

I need help to make sure this billing process is correct and fair, and to get a true transaction statement on how much I paid in XX/XX/XXXX, since the bank shows no payments in XX/XX/XXXX on my transaction history. 

I also want to confirm that it is legal for me to have been charged 28 % finance charges, as I have been over charged as a woman of XXXX, in the past, by other banks, and was notified by the Federal Trade Commision ( i.e. XXXX XXXX auto loan ). 

I want to be sure that the high finance charges of {$95.00} per month are lawful. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
XX/XX/2018, A bill that was paid in the amount of {$180.00} to the hospital was reported by Harris and Harris, Ltd as a Delinquency notification. I received a letter from them on Friday and on Monday received a call on my cell phone regarding the debt.

Harris and Harris, Ltd did not cross verify the information if the debt was paid and tried to collect more money. I'm not at all happy with this company 's way of handling any consumer debt when the consumer has proof that the debt was paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX XXXX I sent a wire for XXXX XXXX from my Wells Fargo bank in Georgia ref. numberXXXX to an agent who worked for XXXX XXXX XXXX who were sending a consignment ( to one XXXX XXXX ) from out of the country. The agents name was foreign sounding XXXX XXXX and I knew nothing about him except that I was to go through him for XXXX XXXX to get his consignment so XXXX XXXX could pay me back the previous loans he had gotten from me. The day the wire was sent it was confiscated by US Treasury Dept. specially the OFAC ( a terrorist division ). They have held the money since then. They demanded to know XXXX XXXX 's passport, id, etc on this man I was told worked for XXXX. I could tell them nothing. I have been making huge payments per mo. on this loan account numberXXXX of {$720.00}. and still owe over $ 30k. My bank told me I would get the money back with interest but it has not happened. They tell me they can not help me any further. I have written 6 letters and made calls to the XXXX but they do not respond. I need my money back so I can pay off this loan. Also XXXX XXXX has disappeared into the ether and I realize he has been using me in all this via a romance scam on the internet. 

I am a retired XXXX yr. old woman with a small pension and can not afford a lawyer. I need someone to intervene for me. Please please help me. My cell is XXXX and my address is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I have filed a sherriff report with my county. about 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