vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
I HAVE CONTACTED THIS DEBT COLLECTOR, AND THEY ARE STATING THIS DEBT IS MINE WHICH IN FACT IT IS NOT MINE, I DONT EVEN KNOW WHO THIS COMPANY IS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
The interest rate is 24 % with monthly payment at {$470.00}. When payment is made, little amount is applied to the principal. So, I need to fix the issue. For example this month out of the {$470.00} amount paid, just {$51.00} was applied to principal. I believe I am been chat on this loan by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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:
after checking my credit report i noticed 3 accounts in collections that i have no knowledge of. The three accounts are, XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have no knowledge of these accounts and i am experiencing fraud activity on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: PA

Complaint narrative:
after checking my credit report i noticed 3 accounts in collections that i have no knowledge of. The three accounts are, XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I have no knowledge of these accounts and i am experiencing fraud activity on my credit 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 explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Joseph M. Tobin, PC
State: CT

Complaint narrative:
On the date XXXX XXXX, 2017, Law firm XXXX XXXX XXXX threatened to file a civil judgement against me if I did not respond to their fraudulent claim of a civil dispute between us. There is none to my knowledge.There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 

If you are the Fiduciary in this matter, I will need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you, reporting to various credit reporting. 

My house is private, my telephone and e-mail are private. My person is private and for private use by myself and by those with whom I may contract. If you are attempting to enter this alleged civil dispute without a contract or my permission, you are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). I am not a corporation. 

Produce a Contract, Delegation of Authority, Regulatory Authority or  cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer on the Original Contract, you are a third party. You are a liability and no assistance. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. 

In your next correspondence, please forward the instrument that establishes my obligation to perform as you request, plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ) otherwise you will be accepting my offer to provide pen pal services at {$1000.00} per correspondence. If you accept my offer to provide this service, simply send any correspondence other than what I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citicards has filed inquires that were not made by me and sent to XXXX on the following dates -- - > XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have reached out to citi plenty of times and have even did all there instructions on writing a letter back to them to resolve this matter. Months have gone by and these items have still have not been removed.

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 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: NY

Complaint narrative:
I am writing this letter in regard to an issue that has presented itself. I had an outstanding balance on a XXXX XXXX credit card account about 2 years ago because I went trough a hardship I called the bank directly and settled my account over the phone ( bank has to have record ), XXXX XXXX set up automatic payment on their end which were completed and terminated by XXXX XXXX when settlement amount was reached in XXXX 2017. Approximately few weeks ago I received a letter from a debt collector stating that I have a remaining balance of XXXX, I explained what happened to the debt collectors, they refused to cooperate, I tried to call them bank and they refused to speak with me -- stating that my account was sold to debt collectors and I have to speak with them, I am a single mother and feel like I am stuck in-between because of a mistake made by XXXX XXXX. I obtained proof of all payments from my bank and sent them to debt collectors and according to them they contacted XXXX XXXX twice on my behalf, 1st time banks response was " the monthly payment amount was incorrect it is supposed to be {$95.00} instead {$93.00} '', when I explained it was set up on their end then they answered on 2nd request from debt collectors that they never even settled this account and I was just paying toward my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On Wed, XXXX XXXX, I was notified by Wells Fargo Bank that my checking account balance was zero. I went on-line and saw that there was an error with Wells Fargo online Bill Pay system. Wells Fargo had paid one of my bills TWICE -- and the amount in question happened to be huge -- over {$6000.00}. Wells Fargo pulled money from my savings account to cover this " overdraft. '' I called Wells Fargo Customer service and was placed on hold for OVER ONE HOUR due to " high call volume. '' I hung up and tried customer service in Spanish ( 7-minute wait ) .. I was informed that there was a systemic computer glitch and many customers had the same problem. Wells Fargo had no idea when the money would be returned -- hopefully in the next few days. I was advised to monitor my account, not use my ATM card, and not write checks. Thankfully, I have no pending automatic payments. But what happens to customers whose checks will bounce, whose mortgage payments will not be made due to lack of funds? I would like Wells Fargo to return the money that it wrongfully removed from my account. But I also want Wells Fargo to contact affected customers, explain the problem, and offer an apology. This is a systemic problem. It calls for a systemic solution. Instead of putting the onus on individual customers to contact the bank ( and to wait for an hour to talk to a live customer service representative ), Wells Fargo should take the initiative and explain the problem to customers. I am filing this complaint to alert regulators to this problem because it is a systemic problem that requires regulatory oversight. I hope that the immediate problem will be resolved in the next day or two, but someone needs to figure out what happened ( what caused the computer glitch ) and help Wells Fargo develop a protocol for contacting customers ASAP when problems arise. This is the kind of incident that shakes consumer confidence in the banking industry.

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 2018-01-18 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: TX

Complaint narrative:
Early last month I sent Experian a certified letter informing them of the inaccuracy on my report, namely inquiries, to date Experian has done nothing to correct this non sense that shows on my report. 
They could n't be doing an honest investigation because if they were they would see that I have not given anyone listed on those hard inquiries permission to check into my credit report for any reason. Further, they have no proof, no contact info, no contract, no signature proving anything, yet they continue in their inaccurate reporting. 
If they do not remove these inaccuracies from my report I will have to ask you ( CFPB ) to fine them for their non compliance of the FCRA, I will further file a complaint with the FTC, the attorney general 's office as well as the BBB.

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 2018-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Hello, TD Bank is blocking me from withdrawing my money from XXXX XXXX XXXX on XXXX and today XXXX. I called to let them know and they said they did n't have anything to do with it but this has happened to a few of my friends using TD Bank as well. Now I ca n't get to my hard earned money unless I switch to another bank, this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX has filed inquires that were not made by me and sent to Equifax on the following dates -- - > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have reached out to XXXX plenty of times and have even did all there instructions on writing a letter back to them to resolve this matter. Months have gone by and these items have still have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: DISCOVER BANK
State: NY

Complaint narrative:
Discover card placed a hard Inquiry to XXXX without my knowledge or authorization on XXXX XXXX 2016. 

I have done everything Discover has asked me to do as they have admitted they have no knowledge why I have an Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In early XXXX opened an TD Bank checking account and transferred in funds. I did not receive checks. A visit to a branch to resolve the matter resulted in assurances the checks would be resent for a fee arriving around XXXX XXXX. None arrived. A call resulted in another assurance that checks would be sent, for a {$30.00} + fee, which the customer representative claimed was waived. Weeks later, nearly two months after opening the account, I have no checks. I have received a debit card. The bank has my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: NY

Complaint narrative:
XXXX card placed a hard Inquiry to Equifax without my knowledge or authorization on XXXX XXXX 2016. 

I have done everything XXXX has asked me to do as they have admitted they have no knowledge why I have an Inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: IA

Complaint narrative:
Dear Sir/Madam, I was approved for a loan from big picture loan of {$400.00} on XX/XX/XXXX with interest rate of XXXX and I have agreed to pay the amount automatically from my checking account. However, I did not know the interest rate and past due fees will keep following me until this day. I have paid over {$1000.00} and I have called a couple of times to arrange payment plans but each time I face difficulty paying the amount as you can see it in my attached documents. Every time there is a reminder and late fees. I 've paid the loan back with a double amount and now I am searching for a help to stop paying the remaining amount which is {$620.00}. In addition, I have checked my payment information online on XX/XX/XXXX and as per the attachment, no information revealed, everything is unavailable and I am afraid that they will keep charging me even if I paid off the amount which ca n't be happened now or even later. I am requesting to review the legal agreements to see the consequences if not paying back and I could n't find a better way than contacting you. I have a full-time job and I am trying so hard to pay my bills, but this loan is affecting my financial status terribly. Therefore, I can not pay anymore and I want the electronic detection from my account to stop. 


Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Home Credit Corp. Inc.
State: NC

Complaint narrative:
Home credit still making me responsible for this debt.. I had made a payment arrangement with them and they took my money.. a week later the vechicle was repossessed without even contacting me they are still reporting bad information on my credit report as if I still owed them that amount ... my ex wife had fraudulent put that auto loan in my name.. and because it was on my credit report I had no other choice but to make payments.. I filed a police report that this bad debt shouldve removed of my credit 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 explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On the date XXXX XXXX, 2017, Law firm XXXX XXXX XXXX threatened to file a civil judgement against me if I did not respond to their fraudulent claim of a civil dispute between us. There is none to my knowledge.There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 

If you are the Fiduciary in this matter, I will need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you, reporting to various credit reporting. 

My house is private, my telephone and e-mail are private. My person is private and for private use by myself and by those with whom I may contract. If you are attempting to enter this alleged civil dispute without a contract or my permission, you are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). I am not a corporation. 

Produce a Contract, Delegation of Authority, Regulatory Authority or cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer on the Original Contract, you are a third party. You are a liability and no assistance. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. 

In your next correspondence, please forward the instrument that establishes my obligation to perform as you request, plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ) otherwise you will be accepting my offer to provide pen pal services at {$1000.00} per correspondence. If you accept my offer to provide this service, simply send any correspondence other than what I have requested.

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 2018-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Westlake Services, LLC
State: AR

Complaint narrative:
On XXXX XXXX, 2016 I was approved for a loan through Westlake Financial and purchased a car with XXXX XXXX XXXX XXXX XXXX for a total amount of {$4500.00}. Thirty days after my purchase I was expecting my Title. After calling multiple times, and I was told by XXXX XXXX XXXX that he was trying to locate the title. I was given a letter stating the vehicle I had purchased, " has been delayed due to no fault of her own ''. In which the DMV accepted the letter but my registration was only good for 30 days. At one point he called and told me the woman who owned the car was bringing the Title to sign it over. I called and called but my calls were not answered. I have called Westlake Financial multiple times. Im always told that someone will be returning my call. Im still waiting months later. I have had this car sitting in my yard for months that I can not drive due to me not having the proper registration. I would like to have this settled. I have been contacting the finance company they are also giving me the run around. Everyone has been paid in full for a car that I can not drive due to a car that I do not own without the Title.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax tells me that they completed my disputes and I can view results. I have tried several times to see results and they tell me I dont have an account?. Crazy! The other 2 credit companys have resolved problems. For some reason Equifax is the only one that hasnt fixed the problem. Im in desperate need of having to refi my home and this is really causing a serious problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
I got a loan from a company called prosper. I got approved on line for the amount of {$10000.00} they charge me {$500.00} fee for the application fee they send the money in 5 days. I had to make a payment of {$430.00} for the next 36 months. I realize they are charging me over 30 % to 35 % in interest so I sign up with debt consolidation name XXXX XXXX XXXX XXXX hoping they can negotiate on my behalf prosper refuse to bring my rate down and they said they dont work with debt consolidation company and I have no choice but to pay the % 35 rate. They have also ruin my credit report and put on delinquent account. They never send a monthly statement I didnt know how much interest they were charging I was under impression that it was 11.99 percent. I am trying to find out what is the maximum interest they can charge me. I know the state of Maryland is 29.99 % the company address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My account number with them is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Time Investment Corporation
State: NC

Complaint narrative:
Time finance is still reporting this old debt as open.. this account has been sold and paid in full by a 3 rd party ... I contact time finance and told them that this account was paid and should be removed from my credit report and the rep stated that the account still says I old owed them which is fraudulent this old account needs to be removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase took away {$6500.00} from my bank account on XX/XX/XXXX and told the fund will be available by XX/XX/XXXX in their platform. However, I just received a notice that they are closing my account due to unexplained reason and asking me to confirm the closing of account. In their notice, I do not have any pending deposit while Coinbase clearly removed {$6500.00} from my bank account. I need my money back asap before they force me to close my account. I contacted them through emails several times as well as phone but they do not respond at all.

Company response to consumer: Closed with explanation