vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I took out a payday loan around 5 years ago that I had every intention of paying back. I was not at the time able to do so and it was sent to collections. The collections company Midwest Recovery has called myself and my family stating I had a pending suit or that charges would be filed against me if I didn't return their call. I've also had them leave voicemails stating they were from a government office. In addition to this they are reporting on my credit that this account is only 6 months old when in fact it is around 5 years old. I don't feel that any of this behavior is acceptable or trustworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: TX

Complaint narrative:
Hello I received a big bill from discover that I didn't do or open up and I want this to be fixed and I also contact them and open up a dispute and they took it off my credit report for few weeks and later called me and told me to go to the police station and filed a report and I told them I did it online and I wont go in person because I have active warrants and I have a girlfriend who is not a XXXX XXXX I don't want her getting XXXX  and they closed the dispute and rebilled me and today I called on XX/XX/2018 and reopen the case and they refused and told me pay the bill and its on my credit report as of today

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX Wells Fargo contacted me regarding suspicious activity on a secondary account, while I was out of the country. I advised WFB that the card was not in my possession, and instructed WFB to cancel the card, deny the charges and I would investigate once I returned to the USA.

Upon my return it was determined the card was stolen ( possibly by the babysitter or her boyfriend ) and had been used multiple times while I was out of the country.

Upon examination of the charges and the time periods and history involved, and having reviewed this information with my branch and the police department I could identity 27 transactions with 100 % positive accuracy and 17 other transactions with 30 % accuracy. a result I am willing to accept the financial loss for the 17 transactions I am not 100 % positive about, however I have been victimized by criminal fraud and theft in the amount of {$2200.00} I filed a police report and identified the 27 unauthorized charges. WFB refused to refund {$2200.00} despite the photos of the suspect, because I failed to identify all charges, despite the photos of the suspect clearly not being me.

next time WFB stated the reason for the denial was due to no pin attempts. And the next time, due to no attempted usage after fraud reported.

I have provided evidence filed the correct police reports, and responded to all reasons for denial. WFB has denied my claim based on reasons to deny the claim, and not the merits of the case. As a result I have suffered a financial loss of {$2200.00} WFB implied recent action taken by this office ( CFPB ) has required the bank to deny my claim because they been fined XXXX XXXX dollars.

I have appealed the claim denial to the Board of Directors. I have retained counsel and intent to sue if the complaint is not resolved by crediting my account for the amount of the theft {$2200.00} on or before Friday XX/XX/XXXX, and intend to hold a press conference to seek Class Action participants with a XXXX XXXX on Friday XX/XX/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 2018-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have in the last several months received phone calls over a debt that is well over 8 years ago. Although this debt is not being reported to the credit agencies, it continues to be a threat through harrassing and threatening phone calls. The company holding this debt has called and left the following message ( word for word ) : Good Morning, my name is XXXX XXXX and I have an urgent and important message for ..., please contact this office at your earliest convenience recording documents attached to your social security number for immediate processing with your local county courts to receive this important information and also to offset pending proceeding against your name and social. Please contact XXXX XXXX at XXXX reference case # XXXX. Today 's date is XX/XX/XXXX, you have been notified. 

I returned the call to XXXX XXXX. I listened to her tell me she would be filing court papers for a debt against my social for XXXX from Capital One Credit. I proceeded to explain this was the second call in the last few months over a debt that was over 8 years old. I tried to tell her I had already given notification not to make calls to me any longer. She began yelling and screaming at me. I asked her to stop yelling, but she got louder and continued to say ... We will be filing this in the court and move forward to sue you. And then she simply hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
Home Point Financial has failed to credit my principal and interest payment for XX/XX/XXXX and XX/XX/2018 for my home mortgage. The payment was made in full and they have returned it. They indicated that it did not include a portion for escrow payment. However, they have previously recognized that the escrow payment requirement is specifically excluded in my loan closing documents. They still are refusing payment without it and have failed to respond to written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I contacted my Mortgage company in XX/XX/2017, and informed them that some of my mortgage payments was being posted to the wrong accounts. I check my payments each month by using my bank account. My Mortgage company was rude and informed me that I was not making my payments. I was also told that I would have to provide them with my bank statements to determine if I was correct. I did not provide them with my Bank statements I cleaned up the statements and faxed them to the mortgage company. Three months passed and my mortgage company did not contact me. Two weeks ago I discover they have me in foreclosure. When my account is only dew for XX/XX/XXXX payment.

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 2018-05-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: CA

Complaint narrative:
I went to get a laptop from Conns, They approved me a line of credit for {$3500.00}. I got some items for about {$3400.00}. I was told after the calculations that my bill will be {$86.00} per month but with warranty it will be about {$120.00}. 
I went home to find out the laptop was already open and had someones log in. I took it back to the store and they apologized and gave me a new one. I came home and got a payment booklet in the mail showing a {$17000.00} balance and $ XXXX monthly bill. 

I called the store to let them know, they transferred me to corporate. A manager named XXXX apologized and told me it was an in house error and it will be fixed withing a week with a new contract. She said the old one had to be cancelled. 3 weeks rolled by no feedback. I called to let her know my bill is due and I have to pay to avoid having a late. she said not to pay because the contract has been cancelled and they are drawing a new one. another 3 weeks went by, this time I start getting calls from Conns saying i am late on my payment. I asked the same lady XXXX that if the old contract is cancelled why do I get calls about a late payment. she told me not to worry it will be sorted soon. soon turned to 3 months and XXXX was no longer at that location. I now got to speak with another manager XXXX who said it will be done soon. They reduced the bill to {$12000.00} which was still not what I owed and by this time they had my reported to the credit bureau for late payments and collections. 
I even offered through email to pay off the balance and have them credit it to my account since they are saying I owe and then they also say there is no contract, but they refused stating the calls will be stopped and I will not be bothered again. They did not stop the calls. The harassment went on. I offered to return the items and just have them pull off the delinquent credit report. they said no. 
I had paid off all my credit cards per arrangement with m

y credit union to get a house loan and a business loan. that has screwed it up until today. Conns has not removed the false report on my credit and have not fixed the balance. When o told them I will get an attorney, they panicked and one of the managers sent a message that was meant for Conns in house saying because I am threatening legal action they should act quickly. Looks like that still did not help. This has caused so much trouble with my credit, my business, my health and not even a word of apology from Conns, I am still working with an attorney to get this resolved. I feel like I am in a bad dream.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-05-14 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
1. A am a victim of Identity Theft and have filed a report with the FTC. 
2. My Name, SS #, and Date of Birth were stolen, and the thief was allowed to add a fraud XXXX email account, add another phone # and address to my TransUnion Credit Report, and were able to obtain a Credit Card in my name mailed to the address they added to my Credit Report. 
3. I called XXXX today after checking my report to make sure corrections were made and I do have a 7 year free credit report alert monitoring - which I confirmed - I have a " Pin # '' which I would need to use if I needed to get information - or unfreeze - my credit report - XXXX   did not ask me for this information - which I thought was concerning - since this is supposed to protect me. 
4. I have opted out from receiving any direct mail from banking agencies etc. as well as other direct mail over a year ago. 
5. Although I am not receiving those, Companies are STILL ALLOWED TO MAKE " soft inquiries '' and get my CREDIT REPORT.

6. XXXX will NOT stop " soft inquiries '' without me sending more " personal '' information - including - Driver 's License, Bank or other type Date of Birth, etc. in writing - I do not feel I should have to mail them MORE personal information. 
7. I do not want anyone checking my credit report for any reason without my permission.

8. I don't think any of the requests should be allowed or honored - this is an invasion to my privacy which has already been compromised. 
9. TransUnion and XXXX indicated that existing creditors are allowed because of the CRA Credit Reporting Act can continuously look at my report - EVEN if I am never late and have a great credit score. 
10. XXXX  said I can OPTOUT of these inquirie in # 9 - by furnishing in writing the more intense " personal data ''. 
11. SO THERE IS CONFLICTING INFORMATION GIVEN TO ME - IF THE CRA IS ALLOWING THIS - IT SHOULD BE STOPPED - AT LEAST FOR THOSE OF US THAT CONTINUE TO HAVE GOOD CREDIT.

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 2018-05-14 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: FL

Complaint narrative:
1. A am a victim of Identity Theft and have filed a report with the FTC.

2. My Name, SS #, and Date of Birth were stolen, and the thief was allowed to add a fraud XXXX email account, add another phone # and address to my XXXX Credit Report, and were able to obtain a Credit Card in my name mailed to the address they added to my Credit Report. 
3. I called XXXX  today after checking my report to make sure corrections were made and I do have a 7 year free credit report alert monitoring - which I confirmed - I have a " Pin # '' which I would need to use if I needed to get information - or unfreeze - my credit report - XXXX   did not ask me for this information - which I thought was concerning - since this is supposed to protect me. 
4. I have opted out from receiving any direct mail from banking agencies etc. as well as other direct mail over a year ago. 
5. Although I am not receiving those, Companies are STILL ALLOWED TO MAKE " soft inquiries '' and get my CREDIT REPORT. 
6. XXXX will NOT stop " soft inquiries '' without me sending more " personal '' information - including - Driver 's License, Bank or other type Date of Birth, etc. in writing - I do not feel I should have to mail them MORE personal information. 
7. I do not want anyone checking my credit report for any reason without my permission. 
8. I don't think any of the requests should be allowed or honored - this is an invasion to my privacy which has already been compromised. 
9. XXXX  and Equifax indicated that existing creditors are allowed because of the CRA Credit Reporting Act can continuously look at my report - EVEN if I am never late and have a great credit score. 
10. XXXX said I can OPTOUT of these inquirie in # 9 - by furnishing in writing the more intense " personal data ''. 
11. SO THERE IS CONFLICTING INFORMATION GIVEN TO ME - IF THE CRA IS ALLOWING THIS - IT SHOULD BE STOPPED - AT LEAST FOR THOSE OF US THAT CONTINUE TO HAVE GOOD CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Walmart has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-14 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:
I AM A VICTIM OF IDENTITY THEFT WITH AN IDENTITY THEFT POLICE REPORT AS THERE IS ITEMS AND INQUIRIES AND LATES ON MY CREDIT REPORT THAT I HAVE TOLD AND FORWARDED ALL ITEMS THAT ARE FRAUD AND LATES TO XXXX, XXXX AND TRANSUNION ALONG WITH FRAUDULENT CIRCLED ITEMS WITH POLICE REPORT, WITH MY IDENTIFICATION GOVT ID, WITH THE SECTION 605B OF THE FCRA, AND THESE CREDIT BUREAUS LISTED ABOVE REFUSE TO REMOVE THESE FRAUDULENT ITEMS, INQUIRIES, ANDB THE LATENESSES CAUSED BY THESE FRAUDULENT ACCOUNTS FROM MY REPORTS, IVE SENT THESE TO THE 3 BUREAUS NUMEROUS TIMES CERTIFIED WITH RETURNED RECIEPTS. I HAVE ALL THESE RECIEPTS I AM GOING TO THE ATTORNEY GENERAL AS WELL WITH MY COMPLAINTS.I WANT ALL ITEMS I CIRCLED, HIGHLIGHTED ON MY REPORTS REMOVED IMMEDIATELY AS THEY ARE A DIRECT CAUSE OF THE IDENTITY THEFT, THEY ARE HURTING ME FROM OBTAINING CREDIT AS WELL AS I WILL GET AN ATTORNEY AND BRING A LAWSUIT IF THEY ARE NOT REMOVED IMMEDIATELY..

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 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT WITH AN IDENTITY THEFT POLICE REPORT AS THERE IS ITEMS AND INQUIRIES AND LATES ON MY CREDIT REPORT THAT I HAVE TOLD AND FORWARDED ALL ITEMS THAT ARE FRAUD AND LATES TO XXXX, EXPERIAN AND XXXX  ALONG WITH FRAUDULENT CIRCLED ITEMS WITH POLICE REPORT, WITH MY IDENTIFICATION GOVT ID, WITH THE SECTION 605B OF THE FCRA, AND THESE CREDIT BUREAUS LISTED ABOVE REFUSE TO REMOVE THESE FRAUDULENT ITEMS, INQUIRIES, ANDB THE LATENESSES CAUSED BY THESE FRAUDULENT ACCOUNTS FROM MY REPORTS, IVE SENT THESE TO THE 3 BUREAUS NUMEROUS TIMES CERTIFIED WITH RETURNED RECIEPTS. I HAVE ALL THESE RECIEPTS I AM GOING TO THE ATTORNEY GENERAL AS WELL WITH MY COMPLAINTS.I WANT ALL ITEMS I CIRCLED, HIGHLIGHTED ON MY REPORTS REMOVED IMMEDIATELY AS THEY ARE A DIRECT CAUSE OF THE IDENTITY THEFT, THEY ARE HURTING ME FROM OBTAINING CREDIT AS WELL AS I WILL GET AN ATTORNEY AND BRING A LAWSUIT IF THEY ARE NOT REMOVED IMMEDIATELY..

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 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
First of all, I've had a chase credit card for 10 years never been late. I noticed that Chase would not let me open a bank account and practice discriminatory practices against me. My mothers maiden name is XXXX. They lowered my credit limit They refuse to extend any credit more limit, denied several times over 10 years. Credit has been in good standing. I believe they do practice discrimination. 
I have had XXXX balance for the past 3 years. Always paid on time. Always get a fraud call every time I add a family member or student as an authorized user. Bad experience. I am wondering if they treat all their long time customers the same.

Company response to consumer: Closed with explanation