vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
XXXX keeps calling my wife and children. We do not know the name of the company as when I try to speak to him he repeatedly says things too fast so I do not understand what he saying. Hes been told by my wife not to call her phone number of the children anymore. Hes been told by me not to call the children anymore or my wife. He is also calling other friends and relatives harassing me despite the fact I have spoken to him personally. The phone # is XXXX Hes also telling me I am being sued even though I have done research and found that there is no lawsuit against me right now. Hes making false threats.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
I closed on my house XX/XX/XXXX. On XX/XX/XXXX I was contacted by a loan officer from the mortgage company that my closing lender shuffled me off to. He told me all kinds of great things like skipping 2 months mortgage, saying I would get back XXXX dollars, and pay XXXX which would be added to the end of my loan. This is the deal I consented to and signed on XX/XX/XXXX. Then I was told " Trump changed the rules on IRRRLs '' ( so far as I can find he did not ) and we had to wait till XX/XX/XXXX. Well on XX/XX/XXXX they sent me another loan estimate. This one was me paying them XXXX in closing costs at the end of my loan, and XXXX in cash at close from me. I suspect they didn't think I would read it because when confronted they said it was a mistake, and they would fix. ( It was a clear bait and switch ) but now instead of XX/XX/XXXX it was XX/XX/XXXX ( Trump changed the rules again they said ) I asked him how sure he was this time that It would close on the XX/XX/XXXX because I was going to budget that month without the mortgage payment needed. He said mortgage payments aren't late till after 30 days so If I just cancel the auto pay it would be fine. Now as of XX/XX/XXXX I got another new closing disclosure. This one saying XXXX in closing costs and XXXX in cash to close. ( another bait and switch ) After playing phone tag ( They ignored my emails for 3 days until I called them out on it ) Now apparently an IRRRL requires another appraisal ( not according to XXXX XXXX XXXX ) and they have to get cash to close. If this isn't illegal it is at the very least immoral and unethical buisness practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Hey I spoke with customer service at transunion and XXXX they wouldn't take care of the negative inquiries reporting on my credit report

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 2018-08-29 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: TX

Complaint narrative:
XX/XX/XXXX requested deletion of several inaccurate un verified accts. texas atty general child support ( equifax never investigated ) XXXX  credit card ( Equifax said updated info ) XX/XX/XXXX 2nd request atty general ( never investigated ) I sent copy of court papers. still nothing. XXXX card asked for delete of inaccurate unverified acct. ( Equifax said updated ) still reporting incorrect info. during this time XXXX and XXXX deleted these accounts due to not being able to verify acct. XX/XX/XXXX third request to delete inaccuarate unverified accts. sent second court document for atty general ( no investigation done ) XXXX account I asked for who, how and documents on investigation and received nothing accept ( verified )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Diversified Adjustment Service, Inc.
State: MO

Complaint narrative:
I have been receiving very RUDE calls from a debt collection agency called XXXX XXXX  on behalf of XXXX. XXXX. Stating that I owe an out standing bill amount for cell phones of which i do NOT have and an outstanding balance of over {$1000.00}. My name is XXXX I've explained this over and over time and again to these individual 's that keep calling me that I don't have the products in question but also I have only missouri XXXX AND XXXX. income i have been XXXX since XXXX. And this debt collection agency has been calling me since XXXX. No other icome do I have except the {$770.00} per month that is as Ive learned in the past year are both State and Federally protected. But they keep calling me even as going as far as calling me out by First name getting rude with me and saying things like what your XXXX etc etc. I just would like the debt gone and some dignity intact I am a proud Veteran of the XXXX and I dont appreciate being belittled over the phone. I was raised right and use my manners even when someone as rude as that lady said that awful stuff to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: PNC Bank N.A.
State: PA

Complaint narrative:
My sister went to the dentis and got dentures and she is very unhappy with the results, they are still in wax and they are not finished and I lent her my credit card from pnc and the amount was {$3.00} and I disputed this on my credit card gave them everything they needed and still they are not giving me my money back. This has been going on since XX/XX/2018. They also wanted me to go to another merchant to get feed back, and other dentist just don't won't comment on another dentist 's work, and I had to pay for the office visit. I did everything to see if I can get my money back and they still won't. When I talked to the supervisor from pnc he also agreed with me about the dentist not commenting and then I said I have another dentist to go see and he said ok, but that dentist said the same thing and now he won't even return my phone calls, and he also said at the same conversation before I told him I was gon na see another dentist, that they would see what pnc can do for me. But has not called me back for days, I am filing a complaint, this is crazy, That conversation was even on a recorded line so he should not even go back on his word. I have the date and time from that conversation that was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My debit card was suspended without notice or cause even when funds are available. I have alerts from Huntington Bank, no alert or reason was given why card was suspended. I called and the reasons given were false. I was told that some companies keep trying to charge account, I get prebilling texts from all my accounts received none from the companies they said were trying to bill me, also were billed for bills earlier in month. Non alerts or emails were sent to me which I have through Huntington services. This is a continuation of stealing monies from my account from people inside Huntington and instead of solving problems Huntington keeps covering it up. False accountability keeps happening and CFPB no longer stops this fraud from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
The name of the collection company is Hunter Warfield , Inc . They are extremely unprofessional when I've spoken to them over the phone and when I wrote to them directly, I never got responses to my letters. I have attached copies to this complaint of the letters I sent them and also a copy of the account as it was on XXXX ( it was on all 3, but I am just providing a copy of XXXX simply as proof of what was reported and the dates ). They just stuck this debt on my credit reports and refused to investigate. I never even heard of them until they started calling profusely in XX/XX/XXXX. I began disputing in XX/XX/XXXX the unverified, invalidated debt of original amount {$5600.00} and balance of {$6000.00}. While I sent them debt validation letters directly, I also disputed this debt via the 3 major credit bureaus. What Hunter Warfield did was deleted the account and bolted or simply stopped reporting and never said a word ; in other words, they refused to respond, they stopped reporting the account, and to this day ( late XX/XX/XXXX ) I have not heard one word from them. I can only assume that the account was deleted or that they're simply not reporting ; which, I do not know because they refused to say anything. The credit reporting agencies never reported the account as deleted. Therefore, it is very possible that this unverified, invalidated debt could be placed right back on my reports because of this -- and I believe that it is their underhanded, sneaky way of being able to do so! I am outraged that a company could get away with doing such a thing. They did not do their due diligence, the credit bureaus did not do their due diligence either, and I was not given due process as they violated the FCRA and FDCPA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX is constantly calling My cell and House phone number is called multiple times a day at least 20,  they call all day Saturday and Sunday before XXXX on one Saturday morning, they leave threatening messages threatening legal action in a court case, They call after XXXX pXXXX, I have asked them to contact me in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: NV

Complaint narrative:
This company is not legal in Nevada, I have attempted to notify them numerous times to stop collecting on an invalid loan, however they have not gotten back to me. Today I received an email making me aware that my account was sold to a third party agency. This is an illegal loan they should not have the right to sell my information.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Bank , N.A . denied a credit transaction for XXXX upgrade program. It stated reasons which are inaccurate. I have well established credit over 30 years, no recent delinquencies, debt to income ratio is standard for credit card evaluations. The XXXX XXXX XXXX XXXX score provided by TD Bank is XXXX. I believe TD Bank , N.A . 's action in connection with this arbitrary and discriminatory. 

The offer of credit is also misleading. XXXX site offer as reflected by this link : XXXX XXXX XXXX offers zero interests for 24 months and upgrade option after 12 months with a purchase of a new phone. It also offers to wave remaining balance after 12 months with a new phone purchase. It does not say it would provide a credit card. However, after submission of the credit application, it discloses that that it is a credit card application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have be a victim of identity theft, FCRA says that fraudulent information should be block from the consumer credit file.FTC complaint has been file and police report will be file too. 
Please correct this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I contacted Chase Bank on XX/XX/18 regarding the unknown charge. Chase Claims Specialist, XXXX, stated she can not remove the unknown charge for the merchant, XXXX XXXX already credited to my Chase account. I informed XXXX, Chase Claims Specialist that the unknown charge should not be on my Chase checking account, for it is not my charge. XXXX, Chase Claims Specialist ignored my request and stated that the unknown charge has to remain on my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
The Company : 1. has refused to provide me with validation and assignment of debt documentation. 

2. has threatened legal action and threatened to ruin my credit 3. asserted that I was a liar and that they will feircely collect on a debt their client claims to be valid. 

4. has given no credence to the fact that this debt does not belong to me 5. is essentially using bullying tactics contrary to the law. 

6. blatant refusal to provide me with contractual proof of debt evidences there unlawful collection practices. 

7. company has called my phone despite clear instructions not to. 

8. is in violation of the FDCPA, FCCA It is to be noted that this bully tactic will not work with me, nor will I sit back and allow an unscrupulous company to infringe upon my rights. Law suit is imminent. 

cc. State Attorney Office, CFPB, FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: OH

Complaint narrative:
I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Harley Davidson Financial Services Inc
State: NV

Complaint narrative:
I got a loan through XXXX XXXX XXXX for a new bike spring of XX/XX/2017 the out the door cost was {$25000.00} they told me the interest was 7 % later on it changed to 19 % and at the end of the loan I would be paying over {$40000.00} for the bike Ive made my payments for the past year which where {$670.00} a month Ive asked XXXX to lower my interest rate because I previously had a bike through them that I payed off completely they refused I feel they put me in a loan that is outrageous and is made to put people in default and should not be allowed to write loans like that for motorcycles and I would like help getting my interest rate and loan amount lowered please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MIDCOUNTRY FINANCIAL CORP
State: PA

Complaint narrative:
I sent a goodwill letter to XXXX disputing an amount of {$4400.00} and they are charging 34 % interest rate. I have attached a letter sent to them on XX/XX/18 which they have not responded to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: OH

Complaint narrative:
I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 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: OH

Complaint narrative:
I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I  have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX   XXXX XXXX XXXX  XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
I keep receiving phone calls from Citi Bank out of XXXX XXXX, MO phone number XXXX. The calls are for an individual named XXXX XXXX and that is not me or my name. I have had my phone number for 19 years. I have no association with XXXX XXXX. They will not remove my number from their call list. They have recently called me on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX,XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX. After the first 2 days of telling them they have the wrong number and to remove my number from their call list. I starting ignoring the calls.

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 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is the third time I have disputed my file about address that are not mine and are not mine.I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX  XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief