vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Quality Asset Recovery LLC
State: WV

Complaint narrative:
An account from 9-10 years ago was recently placed on my credit by Quality Asset Recovery of New Jersey. The amount is XXXX, original creditor XXXX XXXX XXXX XXXX XXXX for  tuition assistance in XXXX or XXXX while I was active duty military for the XXXX. Apparently While cleaning up accounting records the XXXX and XXXX decided to send old debt to collections. QAR is the collection agency. QAR either doesnt know or doesnt care that debt is 9-10 years old and placed it on my credit in XX/XX/XXXX. I decided to call and explain it was too old to be placed on my credit original date of delinquency at least 9-10 years old. When I called, I verified phone, name, address, ssn so they could locate my file. Once they figured it out they said the person to handle my case wasnt available and they would call me back. I said I Do Not want them to call me ever, I do not give them permission to call me. I will call them back and the operator became immediately rude. They called back shortly and I did not answer. They attempted to call the next day a couple times and I ignored them. Apparently they found an alternative # which was my wifes, she actually spoke to them until they became belligerent and she told them she will not let them talk to her that way and hung up. When I arrived later she told me what had happened so I called to explain what dont call means. When I called and talked to them about it the operator said something snide and hung up. I tried again, same thing happened. I tried again and XXXX XXXX answered and tried to overtalk me, I shouted him down and told him to never call again and blocked their #. XXXX XXXX is the one who talked to my wife in a demeaning manner. She was taking his number, asked for it a second time and he said let me slow it down for you, threeeee ( pause ), fivvvvvv ( pause ). At this time, my wife told him she was not stupid and he didnt have to act that way. Anyhow, this company was rude and aggressive, told not to call and did multiple times, reported an account as delinquent as of XX/XX/XXXX when it was more like 10 years ago. They also have it listed as medical debt when it has nothing to do with medical. I compel you to have them bring proof of original debt and once it is determined to be past the 7 years they need to have it removed. This company is an example of why the Fair Credit Protection Act was created.

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 2019-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
We previously had a personal loan with One Main Financial for almost a year prior to speaking with them about a car loan. When I called them I specifically said a car loan. They requested information about the vehicle year make model and where it was being purchased. We told them how much money we had to put down and where we wanted our loan payments to be. We were told it was approved with a payment of approximately 220 dollars a month. We picked the check up made out to the car dealership. And signed the paperwork which was mostly on the computer. We were told the accounts would be one payment for convenience. Unfortunately my husband was in an accident with the vehicle and it was considered by our insurance as totalled. I spoke initially with XXXX  at the one main office in XXXX Pa. When I asked her direct questions she was unable to answer them and kept saying that's information they give to the insurance company directly. When i pushed her for account info. She reluctantly gave me the payoff info. She told me the pay off amount was XXXX. When I continued to be confused about the amount she finally told me that it wasnt a car loan but a personal loan secured by a title. I immediately began to question this as that's not what we had applied for. She began talking over me and said that I would have to speak to XXXX  the manager. I spoke with XXXX today XX/XX/19 and he openly admitted to the confusing terminology of our " car loan ''. While I continued to push I said that I wanted the loans split as they were supposed to have been. He kept trying to give me different scenarios about car loans and I had to keep reminding him that it was not my loan and I had applied for a car loan and not an additional personal loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Today I needed a copy of my cleared check. Check # XXXX in the amount of {$1500.00}. As it turns out Wells Fargo does not have this information. ( I needed it for loan processing on my new mortgage which now has been denied because I can't provide the needed document ) I began trying to look at the the other images of cleared checks for the past year. Many of them were not there. I called Wells Fargo and spoke to a rep. Indeed he verified they do not have this information.

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc
State: NJ

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have three unauthorized hard inquiries on my credit reports XXXX, XXXX, and XXXX. I never gave this company permission to check my credit and when I contacted them they ignored my request. I requested to have the inquiries deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXXXXXX Collector : XXXX Original Creditor : XXXX   Status : Unpaid Balance Amount : {$460.00}

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 2019-07-30 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: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX Collector : XXXX XXXX Creditor : XXXX Status : Unpaid Balance Amount : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX**** Collector : XXXX Original Creditor : XXXXXXXX Status : Unpaid Balance Amount : {$460.00}

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax charged me {$11.00} for a credit report. The credit score was not included. I called Equifax and they want to charge me another {$7.00} for my credit score. They were not able to direct me as to how to retrieve this online and could only take my payment over the phone and mail me the credit SCORE only. There is no clear directions or disclaimer on the their website stating the credit REPORT does NOT include the credit score. This is fraudulent, and further mitigated by the fact they were not receptive to refunding the {$11.00} and then allowing me to pay the {$7.00} to get my credit SCORE, or at least just verbally telling me my score over the phone since I already paid for the report. This was all catalyze by the fact they sent my bank the wrong credit score ( 100 pts lower than actual ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I got a debt collection notice claiming it is in regards to an account with XXXX. I've never had a credit account with XXXX. In fact, when I used them as a payment processor for selling used items on XXXX, I caught them stealing my sales before I got a chance to transfer them to my bank account and also stealing directly from my bank account for foreign transactions I never received or transferred as investigated and determined by my bank. Because there was no way to unlink my bank account from XXXX and they refused to return the funds or abide by XXXX or even their own posted Seller Protection Policy, I had to close down both my XXXX store and bank account of 20 years to avoid future theft. This phony debt collection seems to be yet another XXXX scam. XXXX has never issued me a credit card or loan of any kind nor would I ever accept one from a company that stole my hard earned sales of personal property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a credit account with Citi Cosco with original credit limit of XXXX In XX/XX/2019, I had paid my credit card to lower my credit ratio and so I wont hurt my credit score and also so I could start paying my credit with them. I had other bills to pay as well and credit cards. I paid my credit card with citi cosco more than my monthly due of even XXXX $ and I paid them in XX/XX/2019 of XXXX As soon as I paid them, they then decreased my credit limit and took out that XXXX that I couldn't even use any XXXX of it that again it affected me with my credit score. Again I even prioritize them to pay them so I can decrease my debt with them even if they gave me none to use. They gave me then XXXX of all balance for me to pay. 


In XX/XX/2019, I again made a payment of more than my monthly payment and paid them {$760.00} so I could again decrease my debt with them. prior to even making the payment while I was able to build some payments with them I never used my account because I wanted it to be paid slowly. In XX/XX/2019 I paid online in the amount of {$760.00} and the next day XX/XX/2019 as soon as they received that payment day before they again decreased my credit limit took away a XXXX from it which then made me again maxed on my credit. now I am maxed, with overdue late fees and charges In despite of all that me making payments almost XXXX in not even more than 8 months, I didn't use the card, they had lowered it, hurt my credit, I was also sick during this whole time, changed my jobs, and now daily 10x day and also sundays being harassed with calls to pay them. 
what do you pay this credit card company who had taken all arelady in short months and now had charged me more and when I even tried to make arrangements with them to take out all late charges and to go back with just the late charge and to just close this account and that what they did is completely wrong, I'm told no and theywill take it into collection. 

this is how someone who pays their card get treated

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 2019-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I sold a personal item for {$33.00} and the payment was deposited into my paypal account a few weeks ago. This is the current balance in my paypal account. 

I tried to make a donation to a charity today, and the transaction would not complete. 

I spoke with online assistance, and they refuse to release the money unless I connect a bank account or debit/credit card. 

I do NOT want to do that since a family member had nearly {$1000.00} stolen from her bank account by paypal making fraudulent, unauthorized transactions, and the bank had to file charges to get that money back! 

I WANT MY MONEY AND PAYPAL REFUSES TO RELEASE IT AT ALL UNLESS I GIVE THEM BANK ACCOUNT INFORMATION. THIS INFORMATION IS NOT POSTED WHEN OPENING AN ACCOUNT OR WHEN NOTIFICATION IS SENT THAT MONEY HAS BEEN DEPOSITED IN A PAYPAL ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: CL Holdings LLC
State: KY

Complaint narrative:
I had an account show opened XX/XX/2019. Evidently this is an old XXXX XXXX account. The amount was {$2200.00}. This account was 10 years old and had already dropped off of my credit reports, then reopened and pulled my score down causing me to lose the pre-approved status on buying a home as well as {$1000.00} invested in septic permits etc. Then the account fell off again because, as I said, it was past statute of limitations and illegal to continue reporting. But why was I not already protected from this unethical approach? Then, XX/XX/2019 it was updated and bought by Jefferson Capital Systems. The balance was updated on XX/XX/2019. Now my score is being pulled down again after having worked to recover and about to pursue home buying again. I dont understand what gives either company the right to try sneaking around the law that was put there to protect consumers. This seems to violate the Fair Credit Reporting, it is definitely devious and unethical, Im pretty sure its illegal, and For these companies to join together in unfair practices against any consumer to manipulate them for money is unprofessional. Why are they not subjected or feel like the law doesnt apply to them? I want justice. I can not continue to be punished by greedy collectors and spiteful businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number:XXXX Collector : SYNCB Original Creditor : WALMART Status XXXX Unpaid Balance Amount : {$200.00}

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 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA  XXXX XXXX XXXX XXXX XXXX -- SPS is  refusing to review its borrower for a short sale. This is a violation of servicing guidelines, which guarantee the borrowers right to pursue alternatives to foreclosure. 

-- -- SPS has claimed that XXXX made this decision. However after conversations with XXXX we have found this to not be true, and they recommend we ask SPS to actually read the guidelines sent to them. Please understand we have closed thousands of short sales and have management connections in all major lenders within the unites states This is not the first time that we have had SPS erroneously read a new set of servicing guidelines and come to an inaccurate conclusion as to the instructions within those guidelines.. This isnt even the first time this has happened this year. 


CC : Office of the Attorney General

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oak Harbor Capital, LLC
State: TX

Complaint narrative:
Please see documentation. 
One company became another company and is trying to garnish my wages for a debt that is almost 10 years old.

They have fraudulently jacked  up the judgment amount and additional interest is usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: CA

Complaint narrative:
I've just found out that 'USCB AMERICA ' has been reporting two accounts as collections on my credit report since 2016. I have never received a single call, nor any written communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
I filled a dispute with XXXX  for unauthorized charges for account in collection from contract callers inc. This account was related to ID theft and should be deleted from my credit report. 

Date opened : XX/XX/2018 Amount owed : {$1400.00}

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