vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a graduating XXXX student, looking for a loan for XXXX costs and living expenses. I found the Wells Fargo loan and went through the initial process to find a loan. A loan was returned, offering a variable APR of 9.76 % and a fixed rate of 10.89 %. I clicked " Apply Now '' and went throu gh the process of putting my info in. It populated their required disclosur es in another window, where the variable rate showed 10.24 % and the fixed rate was 11.49 %. I called Wells Fargo to figure out what the real rate was and explained what I saw as a " bait-and-switch '' tactic ( assuming no one actually reads the disclosure statements ). The agent was very nice, but had no explanation, saying he would " Send it over '' and have " them '' look at it. Given the REALLY bad press Wells Fargo has gotten recently, you would think they 'd be a little more conscientious about their conduct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: CA

Complaint narrative:
Alleged debt was from XXXX for a receiver that was lost while being returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST MORTGAGE CORPORATION
State: NV

Complaint narrative:
I have had nothing but bad service with First Mortgage Corporation ( " FMC '' ). A few months ago I was told they sold my loan to another servicer. I began calling the other servicer for an address to send my payment. They told me they did not have me in their system. Finally after calling for a FULL month, I called FMC and was told that my loan was NOT sold and it was still with them. 
Fast forward to XXXX XXXX, 2016. I was told again that my loan was being sold to another servicer. I went ahead and paid the XXXX payment to FMC to avoid the issue of waiting for an address to mail the payment to the new servicer. I then on XXXX XXXX received a notice in the mail from the treasury department telling me that my taxes were never paid in XXXX and that they would be publishing my information if it was not paid by XXXX XXXX. I called FMC and left a voicemail and said that my taxes were not paid and for someone to call me. I never received a call back. I then began calling the new servicer to let them know of the tax situation and was told that my loan information has to be in their system before they can do anything about the taxes. I have been calling for weeks and my loan is still not in their system. I began to wonder if my loan was transferred or if I was again told that it was sold but it actually was not. I again called this morning to FMC and received a voicemail over and over again. Unless I know an extension I have no one to talk to. I do n't want to pay my taxes directly as I have already paid it in my mortgage.

Company response to consumer: Untimely response
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Summit Consumer Group
State: MA

Complaint narrative:
I got repeated calls saying, " A complaint is being filed against you that requires your immediate attention ... '' They left this number to call : XXXX. 

When I called they informed me that XXXX was suing me for an unpaid bill of {$1000.00}. No such bill exists. However I did have a bill with XXXX that totaled {$160.00}, a different debt collector had it and it was paid off. 

There were XXXX people that I spoke to within this offic. I informed them that I believed it to be a scam and tried to request more information and XXXX of them transferred me and XXXX of them hung up on me. I finally got someone who gave me more information and he informed me that they could have received this bill by mistake but that I should still prove that it had been paid. The offer was to prove payment, handle it outside of court by paying them 60 % upfront or all of it through payments or being taken to court where I could fight it. 

Their website does not look completely real and they use a false address, that when searched on XXXX maps give a ups location.

Company response to consumer: Untimely response
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Bronstein & Weiss Arbitration
State: DC

Complaint narrative:
The law firm of Bronstein and Weiss have contacted my family members in an attempt to reach me to collect a debt. This has upset my family, and me, especially after they are trying to collect a debt that is more than five years old, and after being requested to submit any correspondence and contact information in writing.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Data Check of America LLC
State: GA

Complaint narrative:
Datacheckofamerica.com has made repeated calls to my phone. About 7 or 8 calls per day. When I answer, they say it 's on a check I wrote back in the 1990 's, a debt that may be close to 20 years old. However, they can not provide me the verification of debt nor any other relevant information except the credit union I banked with at the time. Furthermore, the recording says they are issuing a wage garnishment if I do not pay something even though they have not provided me with any information or any verification of debt and even though according to them it 's a very old debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I pay {$700.00} to my USAA visa credit card on XX/XX/XXXX, and it is not reflecting on my credit score. They said every thirty days they report to the credit bureau but I still do not see it reflecting on my score its been over 30 days. The VA has given me an opportunity to get a house loan but wanted me to take care of this card to lower my balance on this card and my XXXX card, I did and I score dropped XXXX points. since XX/XX/XXXX 87 % of the time I have been paying regularly money coming from my account but my score never reflects. I am at a lost I do not know what to do. PLEASE HELP ME, I am trying to understand all this credit issues thank you, consumers struggle to make ends meet but we continue to drown because we do not understand the system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I had XXXX hard inquiries from imortgage company ( XXXX ) on my credit report on XX/XX/2017 and XX/XX/2017 making it XXXX times in 8 days. 
I called both XXXX and XXXX who reported this inquiry and I was advised to ask for a letter of deletion from the loan company to take it off my credit report. 
My loan officer denied making the inquiry on the XX/XX/2017 and has refused to give me a letter of deletion for the hard inquiry on my report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had a verbal agreement with XXXX/Synchrony Bank to close the account and pay {$50.00} a month for 48 months ( interest free ) to clear the account. They never told me or send me any written agreement of the condition of the arrangement. After making few months payment I somehow missed a payment and they immediately cancel the arrangement without notifying me and started charging interest and late payments fee and cause a past due balance of {$290.00} which I made for XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I made a purchase with at Macy 's with my Macy 's credit card ( # XXXX ). The items never arrived. I disputed the charge but Macy 's refuses to credit my account and wants me to chase my refund via their shipper. I have no contract with their vendor. My contract is with Macy 's. I want my refund. Please help as this is consumer fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lending Club Corp
State: ME

Complaint narrative:
Lending Club continues to send me " pre-approved '' loan offers after having twice to lend me funds. I have written to the company and they sent me a response that does n't really answer my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
I called on XX/XX/2017. Showing {$0.00} balance on credit report. Item was supposed to be deleted off my credit report. I called and spoke with Transworld Systems - they do not show any balance with them, but they are not able to provide any deletion per the supervisor I spoke with. They told me I needed to go through each credit Bureau. This is effecting my ability to get a mortgage refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have had an issue with American Express regarding a double charge XXXX for the sample flight. After numerous and multiple conversations, they promised they would take care of this issue. After years of speaking with them and repeating my issue, they did not provide me the required information. I have filed a claim in the past, case number XXXX. I was unable to get my phone recordings or get in touch with someone. 

That said, I have been contacted by XXXX ( employee ID : XXXX ), from XXXX. I have been very responsive with him and requested I get written copies verifying who is he and his company is, as well as providing me with a form in the mail. Based on the last conversation, XXXX was the company who was contacting me, now it is a different company. 

It has been over two weeks since my last contact with XXXX and still no letter. I am not clear who is responsible for this case anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
After checking my report there is 2 errors. 
I did have my credit information stolen on 2 different times, On the State and Federal level. 
There is a bank listed in know nothing about it, and a change of residence in my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Debt Group of NY
State: IL

Complaint narrative:
I received an 'Important XXXX Notice ' ( I never received a XXXX notice ) on pink paper on XXXX/XXXX/2015 from a company that did not even put its name on the notice - I found it in the return address. 

When I checked the XXXX, this company ( National Debt Group ) has had several complaints, and an 'F ' XXXX rating. An internet search brought up a plethora of complaints and actions against this company, including a Complaint pleading from the State of Oregon, that they were n't even set up as a corporation, nor were they registered as debt collectors. 

I have no outstanding unpaid debt, so I have no idea what debt this is supposedly about. The 'Est. Creditor Balances ' = {$20000.00} according to them, with a settlement offer of {$10000.00}. I am sure that this is a scam to scare people into paying money that they do not owe. I BEG YOU to look into this company and do something about this. These kinds of places are a scourge on our society. If I was XXXX or not too smart, they could very easily have duped me into paying money that I do n't owe. 

Thank you very much for all of your work!

Company response to consumer: Untimely response
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: MFP, inc.
State: FL

Complaint narrative:
There is a collection listed on my credit file for {$170.00} which is unknown to me and has changed collection offices several times I request validation. Please help me

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Third-Party Debt Collector contact and attempted to collect on a credit card debt that is well past the Statute of Limitations RSMo Statute 516.120 for collection of a debt within the State of Missouri.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS

Complaint narrative:
I had a medical bill from XXXX. wakefield popped up on my credit reported I do n't know who Wakefield is I paid XXXX in XXXX, Ms ,

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 2016-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Recovery Solutions, Inc.
State: WV

Complaint narrative:
I have been getting phone calls for a year, sometimes daily, from a company called First Recovery. When I answer there is a recording stating who they are calling for, which is n't me. It tells you to hang up if you are not the person they are trying to reach, however if you do this they will just continue to call. I have waited on the line to tell them I am not the person they are trying to reach and to please remove me from their list. Sometimes they seem to take me seriously and sometimes they just hangup, either way they continue to call. Last week I stopped answering and they have called me every weekday for the last 7 days. The phone call usually comes from XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent in a multiple inquiry removal letter on XX/XX/2017 in regards to XXXX hard inquires that are being reported on my credit report, they received the letter ( certified ) on XX/XX/2017 and they completed the request on XX/XX/2017. The XXXX hard inquires are not factual and I received the same response for ALL inquires, which was " Inquires are a factual record of file access. If you believe this was unauthorized, please contact creditor. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states, that any information can be disputed and MUST be investigated. The fact that it took 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. Therefore I 'm submitting this complaint due to lack of investigation into my original dispute for hard inquiries that do not belong to me. I did not sign for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently had a few ( three to be exact ) medical collection accounts across all XXXX credit bureaus. After contacting the medical services and they adjusted the bills and showed me what I owed the information was already with the collection agencies, I proceeded to pay them off one at a time in full and according to the medical debt relief act and changes with Equifax, XXXX and XXXX any MEDICAL debt that gets paid by the consumer or by the insurance company gets removed immediately after the item is paid. Well only one Bureau was aware of this rule change and took off all of the collection items that were paid. Equifax has flat out refused to budge on this and stated that it would stay on my account for seven years! I tried to explain to the representative of the law changes and that Equifax was one of the companies that agreed to take off paid medical debt but they still would not budge. If removing paid medical bills from a consumers credit report is something that this company agreed to do going forward NATIONWIDE why am I having to fight to get this done. I 've attached a copy of the dispute results for XXXX and XXXX, XXXX shows unpaid but its now paid and I contacted them as well and they stated " No they would not send something to Equifax for the removal of this item ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ROC Asset Solutions, LLC
State: WA

Complaint narrative:
I received a call stating I owe this debt and it was in collections. I have never received notification by mail of this collection nor is it listed on my credit report. The particular company they mentioned I paid off on time and am in good standing since 2014 in which I have not done business with them or have not contacted them, and they have NOT contacted me. At this time I have no collections pending. I asked for a debt validation notice via mail, and they sent an email from their company. They also contacted my place of employment and threatened the person who answered. They also contacted my mother threatening to sue her as she was a reference in which I have never used my mother as a reference on any credit matters. I have received numerous voicemails and threats from this company for a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Citi Management Group, LLC
State: TX

Complaint narrative:
Citi management group keep calling about a loan i supposedly had 1 year ago, due to the harassment and threats i made XXXX payment of {$77.00} then XXXX further payments. 
they called the other day for more money but i was not able to pay the full amount, this resulted in me being told i would be taken to court and arrested. Also my amount owed would go from {$1300.00} to {$2800.00}. 
I was told they would tell the court i refused to pay the payment amount when i actually offered to make a reduced payment because i was not in a position to pay the full amount. 
I requested a copy of our " recorded '' conversation and was told she would n't play these games with me and i would be seen in court. 
Also i never received any paperwork with details of my loan or payment plan, i requested these several times and was told i would receive them. 
I NEVER ONCE REFUSED TO PAY THE LOAN IN QUESTION

Company response to consumer: Untimely response
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
After spending less the XXXX minutes on the phone with a representative named XXXX, he not only was very rude but threaten to take legal action against me for a {$250.00} dollar debt. This company is n't in the same state as I am nor do I think it is acceptable to verbally abuse and threaten legal action, without even sending a client a letter of the debt they owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Collection Systems, Inc. (OH)
State: MN

Complaint narrative:
I went on the Internet to find this debt collection agency and there is a bunch of complaints saying its a scam company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bayfield Financial, LLC
State: WI

Complaint narrative:
Bayfield Financial LLC has sent me a subpena on a debt I paid in XX/XX/XXXX when It was discovered that I was not approved to live in the home I now own and have owned since XX/XX/XXXX- Once I showed proof I paid these creditors I was approved to move into my community. It was paid with XXXX cashiers checks totaling somewhere around the negotiated price of {$860.00} from XXXX XXXX bank which no longer exists. XXXX took them over. I contacted XXXX and they have no records and if they did, do not go back that far for cashiers checks. Now after 9 years they are claiming I never paid it and I owe {$8000.00} some dollars. After 9 years I have no more documentation of this - I shred all papers after 3 -5 years depending on what they are. I have never been contacted by this company in the 9 years since and all the sudden a lady shows up at my door XXXX day with a letter addressed to my maiden name and tells me to sign and show up in a makeshift court in a weeks time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
Cavalry debt collectors filed a lawsuit against me and on XX/XX/XXXX levied my entire bank account without notifying me of any of this. This is from a debt that is over 7 years old I believe, and that I had believed to have been settled years ago. I had no idea this debt was still active and no idea any lawsuit had been filed. The docket number I found out after I called because my bank account was levied is XXXX.

Company response to consumer: Closed with explanation