vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Under FCRA & FDCPA, Experian refuse to remove and delete XXXX from my credit report for not responding to my debt validation within 30 days. I have provided proof see attachments -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX until XX/XX/2018. 

Please Note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),  creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.

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 2018-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: JUSTICE FINANCE COMPANY
State: TX

Complaint narrative:
I took out an installment loan with Justice Finance. I made my payments and had no problems for a long time. I even would refinance my loan from time to time. If i got a little behind I always called and they worked with me. The 2 girls in the office were always really nice and willing to work with me. I fell behind due to medical issues with my husband. I began getting calls from them pretty much daily and then they starting calling my job. I send a note to the office as well as spoke to them and let them know that I was not to receive any calls at my job due to our rules at work. I then started to get 2 to 3 calls per day which is a violation. I was essentially ignoring the calls since there was really nothing I could do about the account. The last straw was on XX/XX/2018 when I received a call from a new girl in the office XXXX. Instead of calling me from the office line she called me from her personal cell number and I answered. She was beyond rude. She proceeded to tell me that this was my loan and I needed to take care of it and that I had no excuse not to take their calls or call them back that I get breaks at work. 
ON XX/XX/2018 I sent a letter straight to the office as well as their corporate office as an intent to sue for the violations. I have recordings of the call. I did finally receive a response back from them that they were sorry that were unable to come to a solution as to what I had asked for and I could contact them by mail and they were ceasing all collection activities. I have not sent any other correspondence to them as yet. 
I could file suit with my attorney but I was trying to give them the opportunity to make this right. I know being in the collection business that violations can be fined at {$1000.00} per violation and they had several. 
All I asked from them was that my loan show paid in full and reflect positive on my credit. My loan balance was under the {$1000.00} fine amount. I can hire my attorney and get much more I was just trying to give them the opportunity to make their mistakes right but nothing has been done to this day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.C. System, Inc.
State: IN

Complaint narrative:
IC Systems in XXXX XXXX, MN has continued to call my business phone for 4 years. The company asks for a XXXX and I have repeatedly told them there is no XXXX here. Several time I tried to explain and the caller would hang or say my number will be removed. But it has not. My most recent call was today XX/XX/XXXX at XXXX. I spoke with manager XXXX XXXX. She claimed she will remove my number but I do not believe her. This is my business and IC System calling prevents my clients and potential clients from getting in contact with me. Its harassment and its causing my business to suffer.

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 2018-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report I noticed a collection agency by the name of Commonwealth was reporting collections for me that I had no idea who they belonged to as I have no knowledge of this debt the company claimed I owed. I disputed the collections with the credit bureaus several times and they have instructed that I contact the collection agency directly. I attempted to contact Commonwealth by certified mail requesting validation of debt and as of date the company has failed to respond to me and continues to report inaccurate information despite my notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: TX

Complaint narrative:
On XX/XX/XXXX, I sent my first dispute to the 3 major credit reporting agencies, the dispute was in focus with me being a victim of identity theft. The CRA 's have made no attempt to resolve and respond to me although the Congressional act of FCRA 605B states that a victim with legal stated proof shall have the identified accounts removed from the personal credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Under FCRA & FDCPA all disputes must be deleted if creditor does not respond in the 30 days of receipt of the dispute. -- -- -- -- -- -- -- -- -- -- -- - Equifax , Inc. will not delete nor remove this item from my credit report even when I provided proof under FCRA. -- -- -- -- -- -- -- -- -- -- -- - On XX/XX/2018, XXXX XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX XXXX until XX/XX/2018 Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I was contacted in I believe XX/XX/XXXX from XXXX XXXX or I may have noticed it on my credit report, I promptly contacted XXXX and had to fill out a Fraud Packet and file a police report. This was removed from my credit. The account was opened in XXXX Florida and they would not even tell me the type of credit it was I assume cable or wireless due to it being XXXX. Fast forward to XX/XX/XXXX and I am then contacted by a credit agency and once again dispute the validity of the debt. It was once again removed from credit. I wake up this Sunday morning and once again it has been added to my credit from a new credit agency. Not only are they reporting this account but have the account as being opened in XX/XX/XXXX when in fact I called and spoke with a customer Service rep at XXXX XXXX they told me it was the same XX/XX/XXXX account. How many times can this be sold out of different companies to ruin my credit? I have credit protection and fraud alerts everywhere and it doesn't seem to matter. And this last agency never even contacted me prior to adding this to my report and specifically in the disclaimer told me they would sue me. How do I stop this nightmare?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld Systens on behalf of XXXX XXXX XXXX XXXX listed an account that belongs to my father on my credit reports. Thecamount of the colkection listed on my credit reports is {$560.00}. I disputed this account to no avail with both the vollection agency as well as the credit bureaus. About a month ago the collection agency advised me to send in a copy of my drivers license as well as an explanation of the matter so tgat they vould rectify the matter, nothing has been done. I disputed tge account several times. The credit bureaus marked the account as closed and this has dropped my credit score 30 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank solicited me by paper and e-mail for a low interest rate of XXXX percent on my existing credit card, in XX/XX/2018. I responded to citi.com/XXXX, to accept, it did not go through. I then called and spoke to a citibank representative, and she stated that I was enrolled in the program that ends XX/XX/2018. I made a purchase of XXXX on XX/XX/2018. My credit card statement does not show this special low interest rate for this purchase. I called citibank on XX/XX/2018 and the representative I spoke with refused to honor the low interest rate, saying they had no record of me enrolling in the program, eventhough they have a record of me calling on XX/XX/2018. 
This is a scam. This is a bait and switch. Citibank refuses to honor THEIR solicitation. I enrolled on time. They are in error.

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 2018-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/2015 it was reported that someone opened up an XXXX/XXXX XXXX  Account and charged up to {$3300.00} under my name without my knowledge. Because of this my credit score continues to fall. The company has sent me various letters claiming that they ought to be paid for the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XX/XX/15 Car Accident. Had Issues With Insurance Company. Contacted XXXX Filed A Complaint Insurance Took A Few Months Although Claim Was Paid. The Original Amount Wasn't Paid Due To GM FINANCIAL Repossession Of The Vehicle. However, I Kept In Contact With GM FINANCIAL Regarding The Situation. I WAS NOT NOTIFIED BY GM FINANCIAL THAT THEY HAD TAKEN POSSESSION OF THE VEHICLE. I Have Supporting Documents That The Claim Was Paid & The Only Reason GM FINANCIAL Did Not Receive The Original Amount Is Due To The Information That They Reported To The Insurance Company. Therefore, Claim Should Have Been Paid In Full Through Insurance & GAP. 

With That Being Said, GM FINANCIAL Brought On A Debt Which I DO NOT OWE. If The Insurance Company Rectified The Situation So Should GM FINANCIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Looked for one ticket to purchase for the XXXX XXXX XXXX. Found a post on XXXX. Used text messaging to contact the person. He then proceeded to tell me he has two tickets. I happened to find two posts on XXXX with the same description inside of the post, yet different phone numbers to contact. Person told me that's his girlfriend 's post. 
He texted me a picture he took on his laptop with the g-mail email pulled up of the XXXX XXXX order ( order # XXXX XXXX ) .I asked for proof of drivers license or ID. He sent me a " selfie '' holding up his California DL with address blacked out. I did the same, sent him a DL selfie with my address blacked out as well. His DL name matched the name on the email he previously sent the picture of to me. 
He asked what bank I use, I told him Wells Fargo. He gave me the email to add him so I can transfer money through XXXX online on Wells Fargo. 
He asked for half money upfront. I agreed, sent {$250.00} first. 
About an hour later his girlfriend used his phone to text me a picture of the same email order showing the XXXX XXXX Tickets with just my name changed on top. I asked for another better picture showing the date/time on the laptop and they sent that image as well 10 mins later.

It didn't seem right but she said she doesn't want to get scammed and she will send me the confirmation email once I send the second half of the payment. I then proceeded to send another {$250.00}. I waited 30/40 mins and all he/she could text me was " Still waiting on the Wells Fargo email that you sent the money ''. 
I then told them I had to go to sleep I work very early in the morning and I trust that I'll wake up to the text and email confirmation that the ticket has been transferred. 
I woke up with no email or text from them. I then proceeded to do even more research about XXXX transferring XXXX XXXX tickets. I called Wells Fargo in the morning, they could not provide me any information about the person. I called XXXX and there's nothing they could do either. I reported this incident on IC3.gov as an internet crime. I reached out to XXXX and they don't take responsibility because I went through Wells Fargo. Wells Fargo blames XXXX and so the cycle continues with no resolution.

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 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I had a credit card account with Baclays Bank for an XXXX card for the credit card line amount of {$3000.00}. As of XX/XX/2018 I decided to pay the entire balance in full. After making this payment in full prior to the billing cycle close and there was a XXXX  balance. I was charged {$63.00} interest on a XXXX  balance after the billing cycle closed. I called customer service to complain about the balance and have it removed due to it being an error. The customer service did not agree and would not remove the error. I demanded to speak with a manager. The manager had the {$63.00} balance credited. However, as retaliation she had my account sent to be reviewed for having a high balance on my credit card account. Mind you the balance was {$0.00} at this time. Nor had my account ever been triggered before this incident for a High credit balance. I called Monday XX/XX/2018 because I received a credit alert that my credit limit had been lowered to {$500.00}. I called to be given an explanation why. The manager XXXX informed me it was due to high credit card limit activity. Even though at this time the balance was {$0.00}. I informed XXXX I feel I  have been discriminated against in their banking practices. I asked XXXX what is their protocol if I wanted to file a formal discrimination complaint. XXXX stated there was only an internal investigation that will be held. At the conclusion of this investigation of what the findings were the customer would not be contacted. At this time I feel I was discriminated against and retaliated against due to me complaining that the Bank was attempting to charge me interest on a {$0.00} credit card balance.

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 2018-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
My XXXX XXXX XXXX was financed through XXXX. It was totaled on XX/XX/XXXX. My insurance paid the claim on XX/XX/XXXX. Due to a denial in GAP insurance, there was a balance remaining after pay off. I was in contact with XXXX on several occasions to get the matter resolved. XXXX agreed to update my credit file if I paid 1/2 the remaining balance which I did on XX/XX/XXXX with a stipulation to remove the charge-off and remove the late payments ( see attached ). I wrote the terms on the back of the check which they accepted and cashed. The account is still showing late payments and as a charge-off on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
XXXX closed my account and threatened, and is apparently following through on a threat to report me to XXXX  for CHECK FRAUD because a check from my XXXX account to me bounced due to the fact that XXXX refused to pay on the check.

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 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: MA

Complaint narrative:
Hi thank you for your time. I applied for Discover it Student card on XX/XX/XXXX. When I was applying for it, Discover it never listed what kind of the address proof documents they accept. The result is, after my application, I was asked to provide immediately the proof of address I don't have. They only accept limited kind of documents and I don't have all of them. I have contacted them to discuss whether they accept other official government-accepted address proof, but I was rejected chillily. Also, I discussed with them whether they can extend my application, so I can apply for the exact document they required. But I was rejected again, chillily. They said they will decline my application unless I provide my address proof right now. And I was told that my credit points was already affected, because after my application, they pull my credit report immediately. They really should list what kind of documents they accept before the application. I lost my credit points for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am attaching a copy of the request of investigation my wife and I sent to Equifax on XX/XX/XXXX. Over 60 days have passed, and they have not responded. They are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
AES services my private student loans. I have been out of work for the last year, and have been struggling to make payments. Now the situation is, Im still actively applying for jobs and looking for work, but without an income I can not even make good faith payments. AES has applied all the options they can is what Im told. I am then encouraged to find someone I can borrow money from in order to at least make good faith payments. I do not have family or friends that can add my bill to their life while Im trying to find work, and its absurd to encourage people to borrow money from others. There needs to be options for people who are out of work. I can not control how quickly I am able to find a job. 

I would like to avoid being sent to collections, so an option to help until I find work would be nice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My account ending in XXXX was on a payment plan to make {$70.00} payments every XX/XX/XXXX of the month for three months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.I was informed twice that the account can not be negative for longer then five days, ( the calls are recorded ). My account went negative on the XX/XX/XXXX {$10.00} and was closed on the XX/XX/XXXX. I called all numbers and was told it was closed in error and is out of their hands to open it and it would still be sent to the 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 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: LA

Complaint narrative:
XXXX XXXX and XXXX XXXX are both trying to collect on a debt I do not owe on XXXX. Not only is this debt not mine, They are in clear violation of the FCRA for DOUBLE REPORTING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
These companies call 3-4 times a day I have told them I'm on the Do Not Call List. Under Maryland Law this is Telephone Harassment. I am retired XXXX  XXXX, and would like compensation for these numerous violations.

Company response to consumer: Closed with explanation