vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: NJ

Complaint narrative:
I've been contacted by Allied Interstate LLC to collect on a debt that belongs to my wife. I spoke to a collector ( XXXX ) a few months ago and we couldn't get to an agreement. She was very rude. After that I received multiples calls every day ( 4 to 5 times a day ), I felt harassed. Then I was contacted by another agent ( XXXX ), we spoke and we were trying to work out a Settlement agreement, however, it was very difficult as they called during my working hours and I couldn't answer the phone. Additionally, we couldn't finalized the agreement because I requested her to send me the SIF agreement to review but she refused stating that they needed the bank info first to setup the autopayments. Today i was able to answered the phone and have all the info to set the payment plan. The collector ( XXXX ) became very upset and didn't let me talked when I asked her to started the SIF aggrement with the first payment of {$190.00} this month, and moved the {$1000.00} down payment to next month, XXXX. She started yelling and made me feel afraid and stated that the SIF was voided and I owed the entire balance. She then terminated the call. I called back and requested to speak with a supervisor, she stated, there is no supervisor available and gave me a Phone # to contact : XXXX. her supervisor. and she hanged up. I don't know why i wasn't transferred to another supervisor. 
I want to resolve this debt but this company is very difficult to work with. They are rude and make you feel threaten and harassed.

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 2020-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I have repeatedly disputed with lvnv funding about this account they keep emailing me about. They are harassing me about it and they are violating fair debt collection act by not giving me the information I requested in the allotted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/2019 PayPal " permanently limited '' my business account and froze my assets of {$610.00} for 180 days during which time this money earned no interest yet it was more than likely used by PayPal to earn interest. After the 180 days passed I was allowed to withdraw the {$610.00} on XX/XX/2019 however I needed to link my personal bank account to the now useless business profile on PayPal. After doing so and withdrawing my assets I requested in XXXX to have this useless business account closed and on XX/XX/2019 PayPal has refused to do so. In addition PayPal will not allow the deletion of my personal banking information from this account. In the event that PayPal is hacked my personal banking information is exposed for no reason simply because PayPal will not close my useless business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: NY

Complaint narrative:
THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.

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 2020-01-03 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: NY

Complaint narrative:
THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JTM Capital Management, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX I took out a payday loan with XXXX, In XXXX of XXXX I was under the understanding the debt was paid in full. They continued to attempt payment so I stopped payment to XXXX XXXX. Sometime in XXXX I was contacted by XXXX XXXX for collection of my XXXX XXXX debit. I paid them monthly installments of {$75.00} until the debt was settled with XXXX XXXX. In XXXX of XXXX I was contacted by a no caller ID number ( along with my brother was contacted in regards to my personal matter ) stating they were making arrangements to visit my home for me to accept a certified court notice or I should call XXXX XXXX  to obtain further information. To which I called and spoke with a XXXX XXXX who told me it was for an outstanding debt owed to XXXX. I sent my documentation and was told the case was closed and all records were to be removed from my credit report. XXXX of XXXX I was contacted again in the same manner, this time I was given information from XXXX  XXXX   XXXX  working with a XXXX XXXX. Went through all the same steps and again was told case was closed. Yesterday I was contacted again by a no caller ID, certified court notice, and to contact XXXX XXXX to which they told me no payments have ever been made to XXXX  XXXX  and that my court date was set and that I would need to appear to dispute this matter. I have contacted XXXX   XXXX  to which they would not give me information as my file was sold to JTM Capital management. I believe this debt to be paid and settled and have attached my documentation of this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: GA

Complaint narrative:
3 weeks ago I received an e-mail welcoming me to my new Worldremit money transfer account. I received a text with the necessary info to complete my account. 
I contacted Worldremit via their website notifying them I did not, nor have I ever, had an account with them and that any such account was identity theft. I asked that this fraudulent account be closed and any and all personal information be deleted. 
Worldremit has continued to e-mail and text me. I called today to try and resolve the matter since they never responded to my request. The customer service rep listened to me, then put me on hold to never return and I was disconnected. I called back and the customer service rep told me it was impossible to speak to someone about this and to e-mail. I advised that I had e-mailed to no response. She insisted that that was not possible they ALWAYS respond. I asked to be transferred to fraud/theft/consumer protections and was again told this is not possible. I asked how to delete the account and was again told not possible. I want this theft of my identity and fraudulent use of my name to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: CT

Complaint narrative:
The website has been having errors for several weeks. I have not been able to log in to check my balance and now to make a payment. Now a message comes up stating, due to the status of my account, I must call in. This was happening before my payment would have been considered late. I called on XX/XX/XXXX, and the automated system said due to my account status, I could not make a payment. I tried to reach a representative. Due to it being XXXX XXXX XXXX XXXX, no one was available. Now, I have tried called again for the last two days and the phone disconnects as soon as I request to speak with a representative. No matter how I try, the call always disconnects. There is no email address to try contacting them that way. I also sent an email through the XXXX  website with no response and I made a complaint there as well. I am trying to find out what is wrong with my account and to make a payment. I have faithfully made timely payments on my account since I first opened it, and my account was in good standing. This is infuriating, upsetting, and a violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
In XXXX I financed a XXXX XXXX XXXX  XXXX from XXXX  XXXX off XXXX XXXX in XXXX XXXX, SC. Part of my finance package is free oil changes with XXXX power train and 7 year engine warranty. I bring my XXXX XXXX  XXXX in to the dealership garage for oil changes, I have realized that XXXX has been stealing parts off my vehicle, some parts are just not on the car and some parts are swapped out with old XXXX parts. A lot of parts/ components are missing now. My fuel line is a open system. To many missing parts to lists. I was thrown off XXXX XXXX property and told to call an attorney. Toyota finance said they can not uphold the warranty that XXXX XXXX agreed to. Which is a contract breach. The dealership is not fit to service the vehicle and I need an oil change now and my car back too. Toyota finance says the dealership has the title. I need the title, and a new car. Now. Please do the right thing. XXXX denied my claim, terminated my policy, threw me off their property and told me Im not their customer. I told StateFarm I need my coverage payments returned and XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX threatened to XXXX me off the property. Please kill two birds with one stone here ... Both parties are atrocious and need to be brought to correction. Please sue their pants off. Now. Please respond by email to XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
On XX/XX/2020 the company contacted my boyfriends father my boyfriend and my mother all looking to speak to me over a debt. They asked my mother for my date of birth and address she gave it to them and then they gave her further information on my debt. 

I called this company after I saw that I had a missed call before I knew that they called my entire circle. They threatened to sue me because I dont have the money to pay for it they told me that I should stop paying for my home in which I live in to pay them. I was told that I would be taken to county courts to solve this issue and may have a home foreclosed on because of {$1900.00}. I then called again after I found out that they called these people and they did not give me a straightforward answer as to how they received any of these numbers and why they would give out any of my information. I have never received one piece of mail from these people other than phone calls. 


Atlantic recovery soloutions XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied International Credit Corp., (US)
State: LA

Complaint narrative:
Was contacted twice over 2 consecutive days. I was told I owed the debt after I received email from company stating debt was paid,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I opened the HSBC business checking account in XX/XX/2019 and met the requirements in XX/XX/2019 but I have never received my {$300.00} bonus. I have contacted the bank several times and could not get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
Spoke with a manager by the name of XXXX XXXX, of Carter and Young Inc. I requested verification of signed rental agreement for I am unaware of the debt. He sent me a contract via email that has no initials and signatures, XX/XX/2018. Upon request, this documentation can be provided in its entirety. But, I did attach a page that has no signatures. In addition, he could not verify my personal information or contact information- phone number/mailing address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: PA

Complaint narrative:
My data was breached that Equifax was supposed to be protecting. In fact I have never given equifax the expressed written consent to use or furnish my personal information. I am not sure what gave them the authority to do so. I want to be compensated for my personal information being compromised in the amount of {$50000.00} and free credit monitoring services for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was watching my balance everytime i made withdrawals. I can see the pending and cleared charges. However, the system of the Citibank is not reflective of any incoming charges. There is enough money to cover everything then suddenly i was charged {$10.00} for using an ATM when I made withdrawals which I thin is an outraged! For two withdrawals i was charged {$10.00} and this did not show and does let you know when they are going to charged it. I was expecting a XXXX dollar fee or less like before but {$10.00} for two transactions is outrageous. Then the monthly fee of {$12.00} kicks it. However in their system they made it appear that my {$10.00} XXXX  transaction is the one that causes the {$34.00} insufficient funds fee. I had that transaction several days before i made the withdrawals. I know I have enough funds to cover those and will still be let with possibly XXXX dollar on my account. I THINK THIS IS NOT RIGHT THAT I WAS CHARGED {$34.00}!

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 monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
The beginning of XX/XX/2019, I decided to refinance my home loan with my current loan servicer, DiTech. On XX/XX/XXXX, I advised the loan officer that I did not want to use their Title Escrow partner, XXXX XXXX XXXX, and wanted to use XXXX XXXX in XXXX, where the subject property is located. I provided XXXX XXXX with the contact info and fees sheet from XXXX XXXX. 
On XX/XX/XXXX, the contract processor, XXXX XXXX, informed me that they did not start the vetting process on XXXX XXXX and the fees for XXXX XXXX XXXX was approximately {$20.00} greater. I showed her the the fees were {$570.00} greater per the loan estimates. She then told me that these number were initially estimates and the fees are {$66.00} greater. 
When I signed the loan documents on XX/XX/XXXX, the fees were {$170.00} greater. 
I sent a letter and copies of the emails to DiTech for a refund on the {$170.00} that they said that my loan was transferred to XXXX XXXX, and they can not do anything. They transferred my letter and request to XXXX XXXX. 
This is passing the buck to the new loan servicer and not the company who misrepresented themselves.

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 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Finance LP
State: TX

Complaint narrative:
I am writing to file a complaint against Selene Finance. I have been trying to get the company to send XXXX the needed information so that XXXX  could actually close the account. I have had over 20 phone conversations with representatives and supervisors. I am constantly explaining the process of what I need them to do. I have been dealing with Selene Finance since XX/XX/XXXX. 
Selene Finance told me that they had sent XXXX  the information in XX/XX/XXXX. XXXX  said they did not receive any information from Selene Finance stating the account had been closed I asked could they resend the information and I was told no. I then asked could I get the information sent to me via email. I was told that email would take up to 7 days to get to me. They told me the only way I could get the information faster was through mail. I waited several days for the mail but never received anything. I called Selene and told them that I did not receive the letter. They found out that they sent it to the wrong address. They sent it to the property address and not the mailing address. This was upsetting because we have not owned the home since XX/XX/XXXX. After putting me on hold, they sent me the letter within a few minutes. This was upsetting because it is evident I could have received this email the same day I requested it. I asked them if they could send the information to XXXX  and was told I should send the letter they sent me over to XXXX  and that should take care of the issue. 
Selene Finance has constantly refused to send the document they sent me to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/XXXX deposited my payroll check into Regions bank XXXX XXXX XXXX TN XXXX XXXX XXXX. Went through verification visited the bank XX/XX/XXXX my funds hadnt been released bank teller advised me to go back to the ATM and deposit the check which then the atm ate my payroll check and shut down completely. I have images of the atm shutting down and not spitting my check back out. Claim was submitted and I was advised I would be credited within 24-48hrs it has now been over a week and no answers or resolution.

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 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a mattress firm credit card thru SYNCHRONY bank I had my credit limit raised to XXXX from XXXX I owed about XXXX on card I used it to buy grand son a new bed costing XXXX I tried to buy sheets for beds costing XXXX they lock my account for this claiming fraud then when I called them they tell me I have to send a picture of me and a picture of my DL to them to unlock this account which I refused to do so they refuse to unlock my account so I can not use my card to buy anything else

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 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
On XX/XX/2019 I disputed an account reported by XXXX XXXX ( Original Lender XXXX At XXXX XXXX   ) in the file maintained under my Social Security number. I was informed on XX/XX/2019 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report under the name Enhanced Recovery Company. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification.

Company response to consumer: Closed with explanation