vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC
State: NV

Complaint narrative:
On XX/XX/19, I received a call on my cell phone from a woman working for XXXX XXXX XXXX ( XXXX ) asking to speak to my husband. I asked the woman what the call was in reference to and she stated it was to collect a debt owed by my husband for a XXXX XXXX XXXX account. Knowing that my husband doesn't have an account with XXXX XXXX XXXX and that he had received a similar debt collector call the year before, I advised her that we had never received anything in writing regarding this alleged debt and I asked her to provide me with more information about the amount owed. She told me that she'd give me that information if I could provide her with my husband 's address and social security number which I refused to do and told her to never contact me again. 

After this phone call, I contacted my husband to explain what happened. He told me he had the same conversation with this agency a year ago and the person he spoke to admitted that not only do they not have our mailing address, but they also do not have his social security number. The person demanded that my husband give him this information over the phone before the person would provide him with the alleged amount owed. We checked my husband 's credit reports from the three bureaus and he does not have an account with XXXX XXXX XXXX and there are no late payments or any collection activities on any of his accounts. We have surmised that this debt collector is a scam. 

On top of this, ever since the agency contacted me, I have been receiving 7-8 telemarketing calls every day even though I am on the do not call registry. I sincerely believe that this agency has sold my contact information without my permission. 

I looked online and I believe that this collection agency was recently purchased by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX, NMLS # XXXX, XXXX, XXXX XXXX XXXX I do not have an account number associated with this debt, as none has been provided to me but the woman I spoke to was able to look up the account using my cellular phone number, 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 explanation
Consumer complaint received 2019-04-12 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: MARINER FINANCE, LLC
State: VA

Complaint narrative:
Personal Finance company was paid in full in XXXX of XXXX. At the time the account was closed they advised there would be no negative information reported. However, they reported Collections to XXXX in XXXX of XXXX. When I questioned them about this, they then reported it XXXX as being in Collections in XXXX and XXXX of XXXX, over two full years after it was paid. This account is not in collections and is being reported wrong on both XXXX and XXXX and, in fact, is being reportedly differently on each agency. Company refuses to correct the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I started repaying my Citi Assist Student Loans starting in early XXXX. In XX/XX/XXXX, my husband and I filed for Chapter XXXX bankruptcy to deal with the large amount of credit card debt we had and get us better prepared to handle repaying all of my student loans - approximately {$120000.00} in federal and private loans. Once our bankruptcy was filed, Citibank indicated on my credit report that the loans were in default. During the 5 years of repayment, I didn't see a problem with this since the bankruptcy protected us from debt collection and being charged late fees. The bankruptcy was discharged XX/XX/XXXX and I have been trying to get in touch with them for the better part of 2 months in an effort to get the payments restarted and try to get the default status removed. In the last 2 months, I have only been able to speak to 2 customer service representatives - both representatives informed me that the default status will not be removed from my credit report until the loans have been paid in full. I was also advised that they could not give me any payment information ( due date or payment amount ) until the loan was " sold '' and they could not tell me who the loan would be sold to. I am also not " allowed '' to have online account access to make payments online or see account balances. Even though I was able to reach someone on 2 separate occasions, I am not able to reach anyone most of the time. The phone number ( XXXX ) goes straight to a voicemail and no one has ever returned my call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Transfinancial Companies is reporting two accounts on my credit report in the amounts of {$680.00} and {$540.00}. I have tried to dispute this inaccurate information before as I believed the accounts were not mine and had been placed on my credit reports in error. The company did not send me any form or proof of the debt and continues to report on my credit file stating it meets FCRA requirements. I am entitled by law to receive the validation of this debt as I do not believe it is mine. The companies investigation did not provide any documentation of this debt nor did it resolve the issue that I presented to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: FL

Complaint narrative:
Good afternoon, I am having a hard time with XXXX report I have all the other Credit Bureau removed things that don't belong to me I sent all the document requested from me since XX/XX/2018 still not been sold. Transunion not sending me report back about investigation when I send several request I am attached the result from Transunion that three collection was removed from my report and XXXX and XXXX need to update my file. I am writing each of them with the same attachment I am sending you now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: FL

Complaint narrative:
Good afternoon, I am having a hard time with XXXX report I have all the other Credit Bureau removed things that don't belong to me I sent all the document requested from me since XX/XX/2018 still not been sold. XXXX not sending me report back about investigation when I send several request I am attached the result from XXXX that three collection was removed from my report and XXXX and Equifax need to update my file. I am writing each of them with the same attachment I am sending you now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: MARINER FINANCE, LLC
State: VA

Complaint narrative:
I had an account with Mariner Finance that was paid in full in XX/XX/XXXX. Mariner reported no data on the account to XXXX in XX/XX/XXXX which is about when paid in full. Mariner then reported it 90 days late in XX/XX/XXXX. Then then reported no data to XXXX every month from XX/XX/XXXX to XX/XX/XXXX when they began reporting in as being 90 days late every other month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) when they clearly report {$0.00} balance on the account. 

Excerpt copied from XXXX credit report : 4.8 MARINER FINANCE , LLC ( CLOSED ) Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number xxxxxxxx XXXX Reported Balance {$0.00} They have provided clearly false information on this account and have refused to remove the information. Reporting it as being 90 days late for every other month in XX/XX/XXXX is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX i went to XXXX left my card behind and endured an extra charge. XX/XX/XXXX I went to pay my mortgage was low saw the charge and reported it. BofA issued me a temp credit. On XX/XX/XXXX they denied my claim and reversed the credit. With no actual investigation conducted. Now I have appealed an investigation began I filed a statement as well as police report. BofA has terrible communication and resolution procedures. They have not given me back my money. I am negative and have been since they reversed the incorrect charge against my account with no justification. Please help.

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 2019-04-12 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX  I closed a secure credit card account with CITI Credit Card. On XX/XX/2019 a balance of XXXX was debited from my bank account, showing a XXXX balance on the CITI Card account. They said that the card account would be completely closed 21 days after the initial closing date ( XX/XX/2019 ) to cover any usage and/or balance on the account. Which makes no sense. Their records as well as mine show no balance and the account is closed. The card is not usable, therefore there ca be no purchases.They also told me that it would be 100 days before my secured card deposit is returned in the form of a check. This is disturbing and makes no credible sense. I asked why are they holding my deposit. Their answer was unsatisfactory. All help is this matter is greatly appreciated. Thank you for attention to this instant matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company has restricted my account my balance was over my credit limit. The balance was at {$2200.00} when they offered to unrestrict my account for three consecutive payments of : Offer XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I was unable to comply here is an account of what I was able to do. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX Now to today I am below my credit limit on the after making another XXXX payment for XX/XX/XXXX and XX/XX/XXXX the account is XXXX. I have asked Capital One if they will provide a new offer to unrestrict the card. They have refused. I have asked for the account to be closed and we negotiate a charge off. The specialist informs me that I would not be able to negotiate that unless I did not pay on the account for a 180 days. As a consumer I would like to work with them to come to some accord that would be equitable for both parties but they will not negotiate or work with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Pinnacle Financial Group, Inc.
State: FL

Complaint narrative:
Pinnacle Financial is an auto loan account that was transferred from another company around XX/XX/XXXX. 
Pinnacle Financial constantly calls me at work before, during or after due date of my payment. 
Pinnacle Financial sends daily text messages ( without my permission ) to my phone to remind me of my payments, before, during or after I am late.

Pinnacle Financial contacts me several times per day.

Pinnacle Financial calls at odd hours of the day.

Pinnacle Financial sometimes contacts me even when my bill is current and up to date.

I contacted Pinnacle Financial to voice my concerns explaining that I was not happy with the frequent calls and text messages. The Customer Service Representative on XX/XX/XXXX refuse to allow me to speak with any supervisor to the point that I had to disconnect the call.I called Pinnacle Financial again the same day and spoke to with another customer service rep.The representative proceeded to say that I was avoiding calls from them and that I was irresponsible. Although I have a fairly satisfactory payment history with the company. To avoid speaking with me further she abruptly without notice transferred the call to someone else. A man came on the line yelling " XXXX . XXXX! ", I then disconnected the call. My prompt to call the company was that I just made a full months payment for the month of XXXX on XXXX that was only 2 days late. I had received an text message that I owe a new amount in one more day. I feel that the constants calls and text message are excessive. This has been occurring from the moment the account was transferred to Pinnacle Financial in XX/XX/XXXX but I have not yet complain until now from fear of retaliation. Pinnacle Financial is harassing me in the form of excessive phone calls and text messages. Please contact them regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC
State: FL

Complaint narrative:
In 2016 I went to XXXX XXXXl, XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX FL XXXX. to get consultation for a XXXX, and on my second visit a XXXX was force on me landed me into a another XXXX  office because XXXX done turning my XXXX in XXXX and my XXXX XXXX, and my XXXX. I went back to XXXX and complain of the trouble I was having after the XXXX and they advised me to use another XXXX XXXX for XXXX XXXX and no other help was offer to me. I signed an application for a new XXXX, the only thing I receive was a force XXXX that land me in to three other XXXX  office. A charge to my XXXX Insurance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX-XXXX  On the application I receive through XXXX, it state my monthly, income is {$5000.00} that is also false. 
Now Omegia RMS, LLC XXXX and XXXX XXXX XXXX , XXXX has place my name on collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Equifax has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX/XXXX  XXXX not mine/inaccurate XXXX  XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX  XXXX not mine/inaccurate XXXX XXXX XXXX/XXXX  XXXX not mine XXXX XXXX   XXXX/XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX  XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX   XXXX/XXXX XXXX not mine XXXX XXXX XXXXXXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXXXXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2019 XXXX XXXX sent me a letter and agreed delinquencies reporting was an error on my credit report and would be updated on the XX/XX/2019. Two of my reports were updated and the one that wasnt is now TransUnion is reporting 90 days delinquent on my XXXX XXXX Report because Im closing on a house next week so its time sensitive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX is when I stopped making payments on my house. Wells Fargo refused to modify for 3 years, but finally began a modification XX/XX/XXXX. Wells Fargo added on all the late fees and late payments onto the balance of my loan. They then separated my loan into 2 loans and spread the loan with the same interest for 40 years. I tried in XX/XX/XXXX to modify again with Wells Fargo as property taxes had doubled and I could not afford the payment again. They refused on the grounds that they could but did share that I didn't make enough. I applied again in XX/XX/XXXX for another modification and my loan servicer was sold to XXXX XXXX XXXX within 2 weeks of my request for a loan modification. I have had my account changed twice already within a month with the new servicer and no results as of yet. All I want is to get my original loan amount back so I can go out and purchase a loan for a fair amount. 

I used XXXX XXXX XXXX XXXX XXXX XXXX ; however, they were unable to help me get a modification. It was XXXX ( XXXX-XXXX-XXXX ) that was able to get Wells Fargo to modify my loan in XXXX. I have called XXXX, but they were unable to help me and they do not consider HOA fees as part of your debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2019, I sent a payment of {$700.00} from an online Bill Pay service to Wells Fargo Dealer Services ( 'WFDS ' ) for an auto loan. On the memo line, I wrote 'Principal Only ' for the full amount to be applied to principal. WFDS received payment and applied {$400.00} to a regular payment and only {$290.00} to principal. No payment was due until XX/XX/2019 ( 2 months later ). 

On XX/XX/2019, I sent a payment of {$300.00} to WFDS. On the memo line, I wrote 'Principal Only '. WFDS received payment and applied {$300.00} to a payment variance. I was advised by WFDS that the amount was suspended to wait for the additional amount needed to make 1 full payment of {$400.00}. There was no payment due until XX/XX/2019 ( 2 months later ). 

On XX/XX/2019, I sent a payment of {$800.00} to WFDS and wrote 'APPLY TO PRINCIPAL ONLY ' in all caps on the memo line. When I checked my account online, WFDS applied {$400.00} toward a regular payment and only applied {$390.00} to principal. I called WFDS to inquire why the payments were not applied as indicated on the payment memo. The representative stated the memo lines are not accepted as it does not print to their spreadsheet when payments come in, so they apply the funds as a regular payment. There was no payment due until XX/XX/2019 ( 2.5 months later ). 
The only way I can get the payments applied correctly is to wait for the payment to post, call in to WFDS to reverse payment and have it re-applied. 

During the time it takes to discover the mis-application of payment ( if discovered ) and correcting the error, interest is accruing at a higher loan balance, all in favor of WFDS and to the detriment of the consumers. There have been multiple payments I have made towards the auto loan where I did not initially see how WFDS is applying payments. I have a year 's history of WFDS applying my payments as regular payments ( when payments are not due for months ) while they could have been used to lower the principal balance and the interests accrued to WFDS. I am just 1 customer ; however, the mis-application of payments could be harming the thousands of consumers who have auto loans with WFDS. The way WFDS applies payments is an unfair, deceptive and abusive 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 non-monetary relief