vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XX/XX/XXXX I sent a letter to XXXX XXXX ( XXXX ), XXXX  and XXXX XXXX XXXX XXXX asking them to close my accounts and list as " Closed at consumer 's request '' on my credit line as I am working with XXXX XXXX XXXX to lower payments and be debt free. My credit reports show that I am delinquent 2 months. I have never been delinquent on a payment. I was not delinquent prior to working with XXXX XXXX XXXX. I also received a collection notice from XXXX XXXX for being delinquent after sending the letters. I had a card with XXXX XXXX ( XXXX ) since XXXX and was never late. I have XXXX XXXX also with XXXX XXXX and they recently cut my credit due to XXXX. I received an approval loan in the mail from XXXX XXXX XXXX in XXXX XXXX Pa. which was preapproved. When I inquired about it I was told I could not get a loan because my credit report listed I was delinquent. My husband called them and was told that XXXX XXXX XXXX does things different. XXXX XXXX also stated they did everything legal when they lowered my credit line without warning. The bottom line is there is negative information on my credit reports that I ca n't see but financial institutions can which they are using against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX I sent a letter to XXXX XXXX ( XXXX ), XXXX  and XXXX XXXX XXXX XXXX asking them to close my accounts and list as " Closed at consumer 's request '' on my credit line as I am working with XXXX XXXX XXXX to lower payments and be debt free. My credit reports show that I am delinquent 2 months. I have never been delinquent on a payment. I was not delinquent prior to working with XXXX XXXX XXXX. I also received a collection notice from XXXX XXXX for being delinquent after sending the letters. I had a card with XXXX XXXX ( XXXX ) since XXXX and was never late. I have XXXX XXXX also with XXXX XXXX and they recently cut my credit due to XXXX. I received an approval loan in the mail from XXXX XXXX XXXX in XXXX XXXX Pa. which was preapproved. When I inquired about it I was told I could not get a loan because my credit report listed I was delinquent. My husband called them and was told that XXXX XXXX XXXX does things different. XXXX XXXX also stated they did everything legal when they lowered my credit line without warning. The bottom line is there is negative information on my credit reports that I ca n't see but financial institutions can which they are using against 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 2017-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
this loan company is sending me preapproved loan offers to an address where i do not live at and is not my mailing address. i am getting in trouble by the home owner of that address because of this. i 've never applied for a loan with company. i 've never put this address down as my address. so i do n't know where this loan company is getting their information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 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: Go Capital Holdings, LLC
State: NC

Complaint narrative:
The vehicle was repossessed XXXX XXXX. According to NC repossession laws, Go Financial was supposed to notify me at least five days prior to the sell of the vehicle, notifying me of the auction date, location, and time. After the vehicle was sold I was also supposed to receive post sale papers notifying me of the price the vehicle was sold. I have not received any correspondence from this company until I filed a dispute with BBB explaining the unlawful sales practices of Go Financial. I received a phone call from a representative onXX/XX/XXXXwhom verified that there were at least 3 discrepancies in the final price of the vehicle. However, Go Financial is reporting an unvalidated amount on my credit file with all three credit bureaus.

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 2017-07-12 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: MD

Complaint narrative:
I have been trying to get the released tax lien from 2001 Outdated information. I 've written letter after letter. HELP I 'm trying to buy my family a home!

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 2017-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
On XX/XX/XXXX a wage deduction order was entered for a fine that was owed to the cerks office in the city in which I live. To my knowledge any wage assignment must accompany some type of notice to the respondee giving them time to respond to the notice. On XX/XX/XXXX an amount of {$73.00} was taken from my paycheck. On XX/XX/XXXX I called my H.R. department and they said I had a wage garnishment from the State of Illinois. In which I later found out it was from a debt collecting agency called XXXX XXXX XXXX located in XXXX Illinois. I found out the contact information and contacted them immediately to find out exactly what or who I owed money to. I was informed that it was from a collection for a fine in XX/XX/XXXX. I then tried to make payment arragements all in the sameday, XX/XX/XXXX.I was told buy a very rude gentleman that I could not make payments on the account and it was nothing I could do but to accept the garnishment. My initial amount owed on this old fine was {$2300.00}. I found this out buy going to the clerks office. I called XXXX XXXX XXXX on XX/XX/XXXX to see once again if I can make payment arrangements on the account since the garnishment is causing a huge financial hardship on my family.. I was then informed that I currently owe {$2100.00}. That is an outrageous amount because 25 % of my check has been taken since XX/XX/XXXX. The county clerks records says I owe {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Trust Management LLC
State: AL

Complaint narrative:
Global trust management llc, a woman named XXXX from Global Trust called my son, daughter in law, and granddaughter about a debt I supposedly owe. I have been at same address for 3 yrs and same phone number for 10 years. I do not know who she is and what she wants. I tried calling the number she left with my family. It always goes to voice mail. I do not want anyone discussing me with my family. What happened to privacy act. My granddaughter thought I had a wreck and the were trying to find me. She called me crying and stressing out. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: First Associates Loan Servicing LLC
State: NC

Complaint narrative:
I called around the XX/XX/XXXX, to start making payments since I was unable to finish the course. I spoke with XXXX and explained to him that I could only pay XXXX dollars a month, and I would continue paying that amount until it 's fully paid. I further asked if my payments could post to my account? And to taken out of the past status on my account. XXXX explained that I had to pay more than XXXX dollars but I had to pay XXXX exactly. I asked why? When the course was only XXXX dollars? He explained that with interest I now owed XXXX. He further explained that I would be forwarded paperwork that I had to sign and when I signed the paperwork and made my first payment my credit reports would reflect current status. Since I only get paid once a month the payment was supposed to post XX/XX/XXXX. I must explain that my billing comes from XXXX XXXX XXXX ; but when the money was taken from my account it showed XXXX XXXX XXXX while seemed fine. Until on the XX/XX/XXXX it withdrew XXXX three times, then on XX/XX/XXXX, totaling XXXX. To be withdrawn and causing my financial downfall. I called XXXX everyday until I was able to speak with him on XX/XX/XXXX. He voiced his concern and explained that he made a mistake and marked daily instead of monthly. He said my money would be refunded within 4 business days and any overdrafts. It took four days but shortly after I spoke with XXXX and he explained that I needed to sign another contract, and this time my credit report would be updated and in order for my late fees to be paid I had to send in an email.
What XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX did not realize was that because of their mistake my XXXX credit card was cancelled because each time they attempted to collect their payment it was not there because of the aftermath of their mistake. My cellphone has to be paid in cash only because their payment was rejected so many times.
I have went on their website to make a payment but a statement explains that I need to use the mail in method. I have also shown proof to the credit bureau that i was paying and had them removed from my credit report, only to have them placed back on their in two days with no warning or 5 day notice.
Please help me get rid of this financial, credit nightmare.
Thanks for your time, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Every month I pay over the minimum balance due on my Conn 's account. My payment of {$4.00} was due yesterday. I received a text message reminding me and that was great. Today makes me one day past due, and the harassment begins : XXXX XXXX - recvd phone call at work. I sent it to voicemail, but no message was left. XXXX XXXX - rcvd past due email notification. XXXX - recvd 2nd call while at work, sent to voicemail, no message. XXXX XXXX - recvd 3rd call at work, sent to voicemail, no message. XXXX - Recvd 4th call, in heavy traffic heading home, sent to voicemail, no message. XXXX - 5th call, annoyed because they would n't leave message, so answered call, was general recording, no live person, terminated call. XXXX - Recvd 6th call, sent to voicemail, no live person, no message left. XXXX - Recvd 7th call. Extremely irritated, took call, went through all the prompts, finally spoke to live person. I asked why I 'm being harassed so much for a payment 1 day late and due less than {$5.00}, when I always pay over the monthly payment of about {$43.00}. Rep Ignored my question and informed me the amount of payment due and wanted to know if I would pay by check or credit card. I asked again about the calls and electronic notifications, to which she told me those were n't contacts because a live person did n't speak with me. Asked to speak with supervisor. XXXX, identifying as a manager, also said the contacts were not with a live person and notification otherwise did n't matter if they did n't speak with me live. I informed her I was on my 2nd day at a new job and that it was ridiculous to call so much for a payment due only 1 day late for less than {$5.00}. She offered to remove my number but I declined and informed her that I did not want to stop communicating with them, but that the harassment had to stop and that I would be filing a complaint. She said my account would be noted, and documented that she offered to remove my number but I refused. What the heck? This is complete harassment and Conn 's should not be allowed to treat consumers like this!! Especially when it 's for less than {$5.00}, and only one day late. This is nonsense!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MO

Complaint narrative:
I currently have an income based repayment plan with Fedloan servicing. This information is required to be updated annually. The organization only provides a notification via their portal and does not contact me via phone or email ( have both because they verify every time I call ). The IBR status expires and I only find out when the next payment is due. I then have to submit the paper work and request forbearance to give them time to review. This occurred in 2016 and literally took up to 4 months for them to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
A overseas call center for a creditor in approximately 2011 input my name incorrectly as XXXX XXXX. That name now shows as an alias on my credit file. I have disputed this with Equifax who stated that according to the creditor the information is correct even though I stated in writing XXXX XXXX IS NOT my name, was added by an overseas call center employee who could n't understand my American accent, and I HAVE NEVER used that name! Equifax REFUSES to correct the error!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America debit card was stolen in the mail, activated by someone other than myself, and used to withdraw {$1000.00} and accumulate an additional {$8.00} in ATM fees over the course of two days ( XXXX XXXX and XXXX ).
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This was my initial card received and Bank Of America has done nothing to help this fraudulent activity. During the appeal process I asked that Bank of America not send any more personal information to my address, they agreed but then proceeded to mail the information rather than email as I requested. Bank Of America has been completely unhelpful in the situation.

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 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed a business partnership account without calling me and I had emailed, called and went to the XXXX CA location requesting to close this account and they told me no. Then after I filed 2 police reports that the business partner had stolen from me they continued to allow withdrawals and even allowed the business owner to close the account when the denied me the opportunity. The other business owner was obviously made to send me 1/2 of what little bit was left in the account via a cashiers check. I have yet to cash it because I am not excepting this by no means. I feel like Wells Fargo is fully responsible and they should not only refund me the 1/2 of the cashiers check, but the months of debits made by my business partner because I had reported it to them and they did not allow but allowed her to close it for whatever reason. I have went in and called to complain with numerous emails and not one person has reached back to me with a response.

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 2017-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To XXXX XXXX XXXX AS TRUSTEE Attn : LEGAL DEPARTMENT Address : Unknown Ref. : XXXX XXXX XXXX Acc # XXXX NOTICE TO DISCLOSE INFORMATION This letter is a formal request under Fair Debt Collection Practices Act ( FDCPA ) to XXXX XXXX XXXX AS TRUSTEE to disclose the following information regarding the loan account # XXXX : 1.- Default date of Loan 2.- Proof that status of Limitation has not expire 3.- XXXX XXXX XXXX as Trustee 's Headquarter address and agents, all information, but no limited.
Since Bank of America and XXXX XXXX XXXX has refused or failed to provide the requested information or released the loan.
We ask to the Consumer Financial Bureau ( CFPB ) to open a judicial complain against Bank of America and XXXX XXXX for Fraud and its criminal involvement in Mortgage Fraud, Wrong Foreclosure, forge assignment and misrepresentation and conspiracy to steal.
We acknowledge that Bank of America is XXXX XXXX XXXX AS TRUSTEE.
Solution Release the Loan and return all payment collected since 2006 Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I have lease a XXXX XXXX XXXX through GM Financial on XX/XX/XXXX. I have returned the leased vehicle at the XXXX XXXX dealer at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. phone : ( XXXX ) XXXX, on XX/XX/XXXX. Despite returning the vehicle, GM Financial continued to automatically withdraw monthly payments from my bank account. The two monthly withdrawals from my bank account of {$130.00} were made on XX/XX/XXXX and XX/XX/XXXX. I have repeatedly called GM Financial services on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to try to have to improperly withdrawn funds returned to me. GM Financial indicated that I have to wait at least 90 days to receive my refund. I believe the refund should be made in a reasonable time frame as the improper withdrawals were made by mistake on the part of GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
During the year XX/XX/XXXX, I opened a Chase Premier Checking account with Chase Bank. I asked about safety deposit box and was told that, because I am a veteran of the US Armed Forces, I would receive a safety deposit box at no charge. This fact was supported on page 4 of 7 on the agreed upon contract, and there were no trial periods or " demo trials '' attached to that free deposit box. I was told, verbally and in writing, that the safety deposit box would be free of charge. I was, for five years, never charged a dime for that benefit. Approximately two months ago, I received a bill in the amount of {$57.00} for " box rental ''. I never received in any way, shape or form any notice of any policy changes. In fact, on the night of XX/XX/XXXX, I received a message from a Chase online account representative that Chase " will charge what we want, when we want, to whomever we want, without notice. '' This is a willful and blatant breach of contract, undoubtedly by a company that believes that vets are too XXXX to stand up for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I 'm trying to use an app on my XXXX called XXXX XXXX and I just need the approval from the bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to cash a check. I was informed that my account was closed and could not be reopened. The banker at the bank stated he had never heard of this before. So he called and the informed him and myself that the cut ties and there will be no reason give because they have that right. He asked fir a supervisor and they stated the same and told him to cash me out my balance. This happened on XXXX/XXXX/2017. I need assistance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY FINANCE CORP
State: FL

Complaint narrative:
The car was a lemon When it was first brought they would not let my mother return the car. After a month the check engine light came on the car starter altnator and kept running hot after fixing the car numourus times. PFS than said to Voluntarily Deposed it. That 's the only way they will sell it back .The car was than sold in a auction but bc of it bring a lemon it could not get the full amount on it which was never my fault

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