vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because the credit bureaus Equifax and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They are simply responding to my disputes as " verified '' without proper documentation. Under section 611 ( S ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. They are NOT to just simply call a company and mimic on my credit report, what is said to them over their phone without proper documentation and/or proof that I have had business with them. They also MUST send me proof of documentation ( if any ) as well and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ISIS SECURITY INFORMATION SYSTEMS INC.
State: MD

Complaint narrative:
I disputed the claim that I owe {$350.00} to XXXX XXXX XXXX XXXX XXXXXXXX to both XXXX  and the collection agency on XX/XX/XXXX of this year. XXXX replied on XX/XX/XXXX and stated that the information regarding the collection had been verified. The debt collection agency responded on XX/XX/XXXX in a letter stating, " ... WE ARE AUTHORIZED BY OUR CLIENT TO REQUEST PAYMENT IN FULL OR PROCEED IN A MANNER PRESCRIBED BY LAW. IT IS TO YOUR ADVANTAGE TO COOPERATE FULLY. '' This written correspondence from XXXX XXXX XXXX XXXX XXXX included a copy of my drivers license and a signed copy of an Authorization to Release Medical Information form. I think this is a violation of my rights and breach of security with respect to unsecured PHR identifiable health information ( i.e. my personal health records ). They have acquired these documents without my consent. 

I told them as much in a letter dated XX/XX/XXXX. When I hadn't received a response from them in close to 30 days, I called their office in XXXX, MD. A woman representative explained that they'd received my 2nd letter and were uncertain of " ... just what it is I want from them. '' She went on to say that their company 's reputation and longevity in working with their client was sufficient enough to validate the debt. 

Their refusal to remove this erroneous collection from my XXXX   credit report is costing me damages near {$690000.00} because I'm unable to complete the process of buying a home due to the affect the collection has on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I have a medical bill from the bureau name Qual Ast Rec for the amount of {$890.00}. I don't recall this debt. I don't have the date but the age of the account is 4 years and 6 months.

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 2018-10-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: AZ

Complaint narrative:
To whom it may concern, On XXXX I utilized XXXX XXXX. I've attached confirmation provided to me by XXXX XXXX confirming that my vehicle had been picked up from the location it was disabled. 

For the next three weeks a " XXXX XXXX '' maintained that they had picked up the vehicle and delivered it to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX AZ XXXX ). During this time I contacted Ford several times which turned me away stating " we have nothing to do with XXXX XXXX. '' I was eventually directed to 'XXXX XXXX ' from a Ford supervisor stating my vehicle was " probably dropped off there by the tow company. '' I contacted them and spoke to XXXX. She felt so bad that we are people with XXXX being refused any type of help from Ford or XXXX XXXX. XXXX contacted XXXX XXXX  ( contracted through XXXX XXXX ) who suddenly changed thier story. The company stated that vehicle was dropped off directly at XXXX XXXX. After days of searching XXXX was unable to locate my vehicle. Once again she contacted the Tow company whom suddenly changed the story to now my vehicle was never picked up. 

Almost a month has gone before I was forced to file a stolen vehicle report with my insurance company. Because of the dereliction of duties and knowingly falsifying information on behalf of XXXX XXXX and XXXX XXXX  my vehicle was privately towed by another company on XXXX. My vehicle was left abandoned and we were left in the dark. 

It is now over two months later and we still do not have our vehicle. We lost so much time playing hot potatoe with Ford and XXXX XXXX that even to this date the vehicle is still not back to us. 

I've made several complaints to Ford, XXXX XXXX. Reference XXXX XXXX no. ( XXXX ) and XXXX XXXX complaint no. ( XXXX ), and a third party company ( unkown name ) that handles the dispatching of contracted tow partners. I've complained to Ford Credit for voiding the contract agreement that we had reasonable expectation as Ford customers that Ford would deliver assistance in time of need. Ford Credit has failed to meet that obligation. 

There is an unfair treatment against myself as a customer with XXXX. I have my rights and I am federally protected from companies like Ford who fail to meet their contractual obligations. The way we have been treated frankly is disgusting. Ford Credit has the nerve to still expect payment for the months that I have not had my vehicle due to their error. This is customer abuse. This is abuse of XXXX American 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have been sending echecks to XXXX for years, on time. I was contacted on XX/XX/18 by phone stating my XXXX payment wasn't received. Even though at the time, and still am recovering from XXXX, I called the number for their customer service. I spoke with someone and told them about my XXXX and was baffled why this was happening. Nothing had changed and I had writing and verbal confirmation from the paying bank that the payment was received. I also just sent a photo shot of confirmation of payment received directly from XXXX. They continued to harass me even after I sent them proof from my bank that payment was received. They told me my credit score was going to change. Also, on my first call, the customer service representative wanted all my banking information?? When I called my bank they told me that the representative should never have asked for that information. I believe since my payments were always on time and this was a zero percent interest account, they are trying to get late fees and raise my interest to get the interest they getting get because my payments were always on time. I have it set up as echecks from my bank. 
At this point in time, they continue to harass me saying my next payment wasn't received again! I have proof that it was. 
I would like this situation immediately remedied so I can transfer my balance to a reputable company! 

Thank you

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 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX and XXXX, 2018, I spoke with four separate Customer Service Reps at via telephone. One of my cards had been hacked and was going to be closed as a result. I have had several problems of the same nature and decided to not acquire a card to replace this one. I  am still in possession of a second card. The problem : I had 381 plus thousand reward points that are worth roughly {$380.00}. I wanted to transfer those reward points to my second card. Although I spoke with four reps, none was able to give me an answer and the points remain in the closed account. It is now showing a positive balance of $ XXXX. I paid off the balance of the account and closed it, as all outstanding balances were satisfied. The reps seemed unable to understand me, and I them. None was a native XXXX speaker, as I am. I asked them to repeat information again and again, but I was unable to receive an answer. They seem to be reading from a script. I was transferred to the wrong dept. when I asked for reward program assistance. When I finally spoke with a supervisor, I was told that I wasn't speaking with rewards program. Two of the calls had group laughter in the background so I'm wondering where the calls were originating from. I've been a customer for 19 years and have a excellent record with them. I asked for a check for the remaining $ XXXX dollars that I was able to use. I have heard nothing regarding this transaction ; however, it may be in process. I would rather have had the reward points, but felt I needed to salvage what I could. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-04 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: GA

Complaint narrative:
I am filing this complaint because the credit bureaus XXXX and Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They are simply responding to my disputes as " verified '' without proper documentation. Under section 611 ( S ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. They are NOT to just simply call a company and mimic on my credit report, what is said to them over their phone without proper documentation and/or proof that I have had business with them. They also MUST send me proof of documentation ( if any ) as well and they have failed to do so.

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 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: SC

Complaint narrative:
CAPIO PARTNERS LLC Placed on my credit report for {$170.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: MN

Complaint narrative:
I was informed that if I qualified for a short term loan with money lion that a membership fee would have to be paid while I had this loan. it was a {$600.00} loan to be repaid in 6 months, during which a membership payment along with a loan payment would be paid until the loan was paid off. {$130.00} for the fee and {$100.00}. for the loan payment. I made all the loan payments and paid off the loan on time XX/XX/XXXX XXXX. one membership fee was not taken from my account otherwise 5x {$130.00} was paid. when the loan was paid off my obligation for monies ended then. moneylion has since continued to withdraw {$130.00} a month two months after loan payoff. I contacted them and told them that those unauthorized withdraws on my account were not ok they told me that until I paid the missing payment fee from XXXX that I could not cancel the membership I didn't know I had. I went to their web site where I learned that the membership fee they were talking about was XXXX a month well with myself being charged XXXX a month these two fees must be different if a membership for XXXX a month is truly what I joined then why was I charged XXXX $ a month. when I was given this loan I was not aware I was joining a club, organization, or group I was simply informed that when I had a loan thru them I would be charged the extra fee. so now Money lion has  received from my account XXXX in membership fees and XXXX in loan payments totaling XXXX for a XXXX loan claiming I was only charged 5 % interest. I think that money lion should have to be held to there own guidelines. if I really did join a membership then I should have been charged their stated membership fee of XXXX for six months totaling XXXX plus the loan payments XXXX I should be able to cancel said membership anytime after load payoff. moneylion overcharged me XXXX a month on the membership fee 5 times ( XXXX ) charged me 2 months past loan payoff ( XXXX ) overcharging me XXXX I missed one fee charge of XXXX leaving us with a XXXX over charge to me. which I would like refunded. 


thank you

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 2018-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have 2 closed cases in which the bank resolved the complaint then resubmitted the charges. On the second complaint they said they did an investigation which is a FLAT OUT LIE. I have written letters from XXXX that I did not make the purchases I am disputing. I also have a letter from XXXX that states that they did not contact them about my dispute. I have filled a complaint with the FBI internet fraud dept. I have contacted every senator that oversees the Banking system. I am filing a formal fraud case with my local police dept. I want both of these cases REOPENED and a FORMAL INVESAGATION as to how this bank can OUTRIGHT STEAL for consumers. I have all the paperwork in writing documenting my claims.

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 2018-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I received feedback from LexisNexis referencing an address where I told lexisnexis that my identity was stolen, and used, the furnisher pacer has stated that they do not supply addresses, please remove this inaccurate ch XXXX bankruptcy # XXXX account from my record, I will include the ID THEFT packet to show that my identity was stolen, along with the local police department and FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Hewitt-Capital
State: MD

Complaint narrative:
XXXX XXXX from Hewitt Capital contacted my place of employment on XX/XX/XXXX attempting to collect a debt from their supposedly client XXXX XXXX, I that owed a debt of the amount of {$3100.00}. I told him that I didn't have any money to give, he then proceeded to say that if I didn't pay I would be placed in custody and sent to jail or my wages would be garnished. I ask if he could provide legal documentation, he said he sent a letter to my address. I never received a letter. I told him I would pay {$100.00} dollars for today. He said it was a XXXX processing fee. I gave him prepaid debit card information. He took XXXX out of my account. I told him that I would attempt to pay XXXX by Saturday. He said ok. I didn't have the money on Saturday. He called my employment that following Monday. He ask why hadn't I paid. I said that I didn't have it and I needed to pay my rent. He then yelled at me and said. He would snatch the check out of landlord 's hand and that I was on recorded line and I should be in custody right now. I was very intimated. So I told him I would pay him XXXX today plus the processing of fee of XXXX and try to pay XXXX in two weeks to close the account. This was on XX/XX/XXXX. So I used what I saved up for rent and paid him XXXX on XX/XX/XXXX. He advised then that I owed a another {$1500.00}. I knew something wasn't right. I stopped answering his calls. Tried to dispute the transactions with my bank. They declined the credit. He then proceeded to take out {$150.00} on XX/XX/XXXX and another XXXX on XX/XX/XXXX. I never received confirmation number or any legal documents and now facing eviction. Also, XXXX XXXX has advised they did hire them to collect debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have been contacted nearly every day for the past 2 months by a debt collection agency called TransWorld System. The calls are coming from a XXXX area code in XXXX XXXX XXXX but it is a different number each time so I can not block their calls. I have several copies of the recorded messages left. Each time I am asked to call XXXX to speak with " XXXX XXXX XXXX '' and when I call I get a collector. I was informed that they show this number belongs to XXXX XXXX and I do not know anyone by that name. 

I am promised everytime that my number is added to their do not call, but it never happens and the calls continue. I have been as polite as possible but now my frustration level is very high as I can not make it stop. 

Please do something about this lack of concern for my privacy which is now bordering on harrassment for a debt that is not mine. It appears someone made a keystroke error and my number was listed as the contact. I attached a transcript of the last call I did not answer on XXXX. I was contacted last at XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In or around XX/XX/2018, my account was overdrawn, however, Wells Fargo continued to assess fees and process payments on the account. On or about XX/XX/XXXX, Wells Fargo debited my already negative account to transfer funds into a Traditional IRA, which caused me even more harm and fees to my account. Mind you, the account XXXX and they decided to transfer funds from a checking account with no money to a Traditional IRA. I spoke to someone in the executive office who claims everything was done through ACH, versus a transfer. Meanwhile, I asked them to reverse all of this because the action caused me to add another {$60.00} in overdraft fees. Wells Fargo 's response to me was go in the branch and do a withdrawal, but to my knowledge and understanding of that account, I would get a tax liability for an early distribution, plus the negative fees already assessed. Because of their actions, they have caused further irreparable harm to me, which would consistently increase the fees on the account. The irony here, is that when my account was overdrawn almost {$700.00} in the month of XXXX, the bank continued to honor payments, but by the end of the month of XXXX, the account was given funds, and it was overdrawn, however, the bank covered no payments, but just added almost {$600.00} in fees.

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 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: MT

Complaint narrative:
I filled for bankruptcy in XX/XX/2016 Case # XXXX and DIVERSIFIED CONSULTANTS INC was included in my filings. They just posted something on my credit report that was included in the filings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have filed my first complaint against Bank of America when they tried to take an auto pay {$36.00} from my closed checking acct., then charged me a {$27.00} return check fee. I had paid the full balance, asked if I owed interest or any other fees and was told no. So i closed my checking acct., never even thinking about the auto pay i had agreed to when i had a balance. so i call and they tell me it is my fault that they fraudulently tried to take another payment & gave me a check return fee, because i didn't unenroll from auto pay?? how can you continue auto pay on an account with a XXXX balance & has been closed by the customers request??? This is evil. So he tells me to go online and unenroll, so i go online put in my id & password and Bank of America now tells me their is no open acct. for this id. They won't let me take myself off of auto pay to stop this evil against me next month. Please help us against this very evil practice.

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 2018-10-04 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: NC

Complaint narrative:
Back in XX/XX/XXXX I was suspected of identity theft in a data breach with XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit buraus Agencies in regards to my suspicion of identity theft .I have yet to have my disputes resolve or any feed back regarding this matter and its well over 60 days.

Company response to consumer: Closed with non-monetary relief