vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
I left one of my bank accounts with Bank of Albuquerque unattended. I overdrafted and was not notified and got an overdraft fee. I checked my account 2 months later and accrued more than XXXX $ in extended overdraft fees. I am not currently in a financially stable position and can not close the account. It has been over a month since then and the debt gets worse. 

Naturally I am to blame for not checking on my account routinely, but I almost never used it. I should have received a warning. Furthermore, I have checked and it seems extended overdraft fees exist in a legal grey area, and there seems to be a lot of class action lawsuits for this sort of thing. Argument being that it is not a fee for a service, and so it must count as a insane amount of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
a Collection agency by the name of XXXX XXXX XXXX turn a bill in to my credit report when i called them they said i did not have a bill with them under my name or birthday. I filled a complaint with Equifax and they sent me a letter stating they had talked with company and bill was mine. i called XXXX back gave them account # they said again bill was not mine Account # at XXXX is XXXX. XXXX phone # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax reinserted a previously deleted item and refuses to remove it but sends a response that this has been verified. 
Attached are my credit reports that prove this information was found to be incorrect and removed from my credit report. 
I spoke to XXXX at Equifax XXXX reference number XXXX who also confirmed that the bankruptcy was removed off my record and reinstated WITHOUT proper notification on XXXX/XXXX/XXXX. 
Attached is credit file from XXXX/XXXX/XXXX Confirmation # XXXX that lists the Bankruptcy Filed XXXX XXXX, Also attached is credit file XXXX/XXXX/XXXX confirmation # XXXX with the Bankruptcy REMOVED, credit file XXXX/XXXX/XXXX confirmation # XXXX has the account reinserted to my credit record. 
This is against the law and needs to be removed from my credit report immediately. If this is not removed off my credit report by XXXX/XXXX/XXXX I will be filing small claims action against Equifax. 
DO NOT RESPOND THAT YOU HAVE VERIFIED THIS ACCOUNT, THIS IS NOT THE ISSUE. THE ISSUE IS YOU BROKE THE LAW BY REINSERTING THIS ITEM TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Coastal Credit, LLC
State: NJ

Complaint narrative:
My bank account was levied for an amount of money that I do not believe I owe, and I can not obtain a copy of the lawsuit or any proof as to why my account was levied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Northwood Asset Management Group
State: OH

Complaint narrative:
The number XXXX and XXXX has called me for weeks after I have asked them not to. They are calling about my brother who has never used my number or name as a cosigner on any loans. They threat to serve him. I 've XXXX the numbers and people seem to say it 's a scam. I confront them about being a scam and taking my number off their list and they get highly defensive and typically hang up on me. I keep answering because I want to get some answers and keep stating to take my number off of their call list.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I invited my son and his girl friend over to my house for XXXX. He stole 3 of my credit cards which I didnt know were missing. I received a bill from one card and knew it had to be him. I went to his house and demanded it back not knowing that he still had 2 other cards. On XXXX I got another bill and realized he still had my cards so I went and got them back and called the police and reported to them that he stole them. I called the credit card companies and canceled the cards. They said he had authorization because he is a relative.

Company response to consumer: Closed
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank sent me a letter stating that my account would only be reported as " Account paid for less then full balance '' but after looking at my credit report, they are still reporting the current status as a charge off, then previous listed the account as a repossession from XXXX 2012 until XXXX 2012 which is not true. How can this account be a repossession? It is not a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I 'm not really even sure who the original lender is. All I know is on XX/XX/XXXX my paycheck was garnished and I never received any notices. I got a letter with my pay stub saying midland llc garnished me. I did a little research and apparently some company by the name of XXXX was suing from XXXX. Never dealt with them before. I called midland and they gave me another number to call but they never answered

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
HSBC had a promotion where they would pay out {$350.00} to new checking account customers who made bill payments in 3 consecutive months to two different billers. Due to an error on HSBC 's part, my XXXX payment was not processed and I was advised that I could make a payment in XXXX and still qualify. After calling in XXXX, the CSR confirmed that I had met the requirements and I was told to wait 6-8 weeks from the qualifying transaction ( on XXXX XXXX ) for the bonus to post. The bonus still has not posted, and the customer service representative said they were still " working on it. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Kross, Lieberman & Stone, Inc.
State: OH

Complaint narrative:
XXXX XXXX, KROSS, LIEBERMAN & STONE said I owe them XXXX and I disputed this claim and said I did not have a contract with XXXX XXXX, KROSS, LIEBERMAN & STONE and THIS company put this on my credit report. I call XXXX, XXXX, XXXX and they told me that these people can report this on my credit report with out having a contract or social security number all they need is my name and they can report what ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was placed on a 6 month payment plan with my mortgage company wells fargo due to an unforeseen temporary hardship last year. My first payment of {$3300.00} was to start in XX/XX/XXXX ending XX/XX/XXXX. During that period of time I was told by a representative of Wells Fargo that there was a {$5000.00} credit to be applied as payments to my account and that I should only make a payment in XX/XX/XXXX of {$1600.00}. When the next payment plan was due of {$3300.00} I paid and have paid according to the instructions of each individual I have spoken with at Wells Fargo. I made my last payment on the repayment plan on XX/XX/XXXX in the Wells Fargo Branch. I was told by Wells Fargo that I am past due four payments and that the {$5000.00} was a principal reduction and not posted to payments. the representative mislead me to believe that the money was being applied as payments. I asked why no one has notified me that the payments were reversed? I asked for a new payment plan and was told nothing can be done. Again I asked why no one contacted me and if it is documented that the representative gave me the wrong information they should be able to assist me. They now want to foreclose! In speaking with XXXX XX/XX/XXXX at XXXX am he informed me that he saw the notations and that yes it was improper information given to me. I asked that my issue bw escalated to a supervisor. XXXX escalated to a XXXX XXXX who informed XXXX nothing could be done. I was told that I need to come up with {$9400.00} in 14 days. All the while the payment plan and instructions from their representatives mislead me to believe that I would be current in XX/XX/XXXX. I am very frustrated that I did exactly what I was asked to do and I do not have the money to bring my account current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC.
State: OK

Complaint narrative:
I received a letter in the mail from Caine & Weiner on XX/XX/2017. The letter claimed that that I owe XXXX {$520.00}. I do not owe XXXX any money. I called XXXX to verify that no one opened an account in my name. XXXX confirmed having no record of me owing them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
I sent a complaint back in XX/XX/2016 ( complaint number XXXX ) to One Main Financial and after the complaint they changed the account and begin sending letters and the last one sent threatened to sue me if I do n't pay. After the first complaint of them calling me at work and getting me in trouble and switching my account and now threatened to sue me. They have and are in complete violation of the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I called the court house and I got a verbal that they do n't report to the Credit bureau s I have XXXX chapter XXXX bankruptcy on my report two months apart. 
# 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 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN IS THE REPORTING BUREAU FOR THE US DEPT OF EDUCATION, THE FURNISHER OF ACCOUNT INFORMATION, XXXX ACCOUNT XXXX ... XXXX 
15 U.S.C. SECTION 1681 s-2 explains the furnishers, the credit bureaus, requirement for completeness and accuracy of credit information.If that completeness and accuracy can not be accomplished the bureau is required to delete reporting anything within 30 days. 
If this does not transpire then the person reported on may collect {$1000.00} per incident from the at fault bureau and furnisher. 
NO LESS THAN THE NEW PRESIDENT OF THE UNITED STATES HAS STATED HIS INCLINATION TO ABOLISH THE FURNISHER, ABOLISH THE ENTIRE DEPT OF EDUCATION FOR POOR PERFORMANCE OF THEIR DUTIES TO THE AMERICAN PEOPLE AND TO REPLACE THEM WITH PRIVATE ENTERPRISE. 
THE PRESIDENT HAS A PROGRAM IN PLACE FOR LOAN FORGIVENESS AND MONTHLY PAYMENT CAPS BASED ON ABILITY TO PAY. 
F.OR MUCH OF THE TIME OF MY LOAN I WOULD HAVE QUALIFIED FOR A MUCH LOWER PAYMENT AND NOT HAVE RECEIVED THE CREDIT DINGS BECAUSE OF THIS ... ... .YET MY LOAN IS PAID AND CURRENT UNLIKE 40 PER CENT OF THE EXISTENT LOANS. 
*********MY PAYMENT HISTORY IS MISSING XXXX ( WHEN YOU HAVE A XXXX reported in monthly billing YOU MUST HAVE A PRECEDING XXXX SO ON ... THIS IS INCOMPLETE, INACCURATE REPORTING. ( fcra specific violation ) ***************************************************************************** IT IS IMPORTANT TO SHOW EACH AND EVERY XXXX BECAUSE I PLAN TO FORWARD THIS COMPLAINT AND YOUR RESPONSE TO THIS COMPLAINT TO PRESIDENT TRUMP SO HE CAN BE SURE TO REMOVE YOUR POINTLESS ABILITY TO REPORT LOANS THAT ARE PAID IN FULL BEFORE HE REMOVES YOUR ENTIRE DEPT OF EDUCATION FROM EMPLOYMENT. 
YOUR POINTLESS REPORTING IS DAMAGING TO ME AND SERVES NO PURPOSE WHATSOEVER NOW THAT THE LOAN IS PAID IN FULL ... ... EVEN THOUGH IT WOULD HAVE QUALIFIED FOR PARTIAL FORGIVENESS ... ... .... 
SHOWING MY ACCURATE PAYMENT HISTORY, '' WHICH YOU DO NOT '', WILL ENABLE ME TO SHOW THE PRESIDENT 'S OFFICE HOW, EVEN THOUGH I COULD N'T AFFORD ACCORDING TO TRUMPS RULES, I REPAID MY LOAN. 
you have " no skin in the game '' concerning my loan to report negatively on me and this in the light of my circumstance appears to be contrary to our new Presidents wishes, so do your best to correct or delete my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have send experian 3 written request regarding XXXX account XXXX and this unverified account still remains on my report. I informed them in writing several times that this account is not mine and that it maybe belong to my aunt in whom share the exact same name as i and in which that I lived with years ago before she passed. I called experian after constant failure to provide physical proof of verification all they send is a paper that say verified but nothing that say how they verified so I demanded that information or the name and id number of the rep that claim to have verified this information so that I am able to present it before the judge in case I have to proceed to litigation regarding this matter. I have carefully been saving my tracking numbers and certified signed documents by experian to show that they received each letter that I send them and they have not removed this unverified account from off my report. I called experian and spoke with am employee id number XXXX in which he called XXXX card on three way and we spoke with a XXXX id XXXX in which she stated that she ca n't provide experian any information without the account holders statement saying it was ok to do so. So after that I stated to experian that if that 's the case they are providing false info and no way possible could they have verified this unknown account to be mine i asked that they remove it and the guy hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not believe I owe the dept they are reporting and it is extremely difficult to communicate with experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I contacted Transunion and spoke with a representative ( foreign ) and provided him with an account in which I wanted to place under dispute, which was XXXX Account. Once I got the results back in XX/XX/XXXX, I noticed that he disputed the wrong account instead he removed a XXXX account that was reporting a {$0.00} and that was a fairly good account on my report. I contacted Transunion today, XX/XX/XXXX and got a foreign representative again and explained the dilemma and she stated there was no way that they could re-insert the account. I requested to be transferred to someone in the United States, preferrably the Special Handlings Department in which I got XXXX who was a supervisor in the Special Handlings department. After I advised her of the situation she advised me that though it was their error, there is nothing that can be done. They are not to remove accounts that were n't placed under dispute unless it is time for them to be removed by timeframe and it is not. 

Since this account has been closed for a while, I highly doubt that XXXX will start re-reporting this account, since this since this will there will be a fee incurred for them to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: TX

Complaint narrative:
XXXX our mortgage was sold to Statebridge Mortgage company. We have been current on our mortgage since we have bought our house. We received a notice of short escrow payment from our mortgage company. We tried contacting them to resolve the issue they are not replying back to us ; escrow department does not take phone calls. What we have understood from the escrow shortage notice Statebridge Mortgage company place a forced place insurance on our house in XX/XX/XXXX they have been charging us {$340.00} quarterly for whole XXXX. We informed Statebridge Mortgage company 's escrow department of this issue in XXXX XXXXand provided evidence that we always had our own homeowner 's insurace through XXXX since we bought our home. Statebridge Mortgage company 's Escrow department assured us they will resolve this matter ; it 's been 9 months and still they have n't resolved the issue and credit back our account for falsely charged homeowner 's inurance ; and now they are demanding to raise our mortgage payment from {$1100.00} to {$1400.00} for one full year. This is unacceptable ; we have tried talking to them but escrow department is not responding. We are reaching out for this issue to be resolved ; mortgage company should take this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: ID

Complaint narrative:
We went to buy XXXX cars, and the dealership said they would only run our credit once and share the info with the lenders. Now I have XXXX hits on my credit report because the lenders also hit my credit report. There were XXXX companies that hit my credit XXXX 10 days apart. Ally and XXXX XXXX XXXX hit my credit on XX/XX/XXXX and again on XX/XX/XXXX. How do I get the XXXX hit removed on each 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 2017-03-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
Central Financial Control did not give proper notice either in writing nor phone call before reporting this to the XXXX CRA 's. I 've been making monthly payment and had no idea this account was in collections. The hospital itself did n't notify me when making my monthly payment that this account was in collections. The way I found out was when making my monthly payments in XX/XX/XXXX I see my FICO score drop XXXX point. I then pulled my credit reports from the XXXX credit reporting agencies which showed a collection from Central Financial Control ( SYNDICATED OFFICE SYSTEMS ). My next step was to send a validation letter since I had no idea why this account was in collections. The validation they sent me was a itemized statement not a physical contract between Central Financial Control and XXXX XXXX.I feel central financial control is practicing in unfair collection practices by not giving proper notice. It takes a long time to reach an XXXX score on your credit and for them to knock it down XXXX point is unfair. I feel XXXX is a wonderful hospital but their BILLING is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is reporting on my credit that I owe XXXX from back in XXXX but I did not open an account until XXXX and still have XXXX without any balance. I feel that my identity might of been used because I do not have a balance with XXXX and I still use them as my phone carrier.

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 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
the collection agency notified trans union to remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX Open {$280.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$280.00} High Balance {$220.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX, NM 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