vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was contacted by a debt collection company at the end of XXXX and did not answer. This company, XXXX XXXX XXXX XXXX, then called my mother with legal threats against me so I called them back. They we attempting to collect a debt with regards to an old bank account that I had in my late teens ( circa XXXX ). They told me that if I didn't take action then I would have to deal with federal charges and so on. They we able to provide me with very real looking documentation with regards to the debt so I paid it. I was send a receipt for my payment and promptly moved on. 

About a month ago I received a similar phone call from another company trying to collect on the same debt and told them to leave me alone and put my on the DNC list  because I had already paid it. I then called Wells Fargo because they are the bank in which the debt was attached to and they had not record of said debt and informed me to ignore all future calls. 

Fast-forward to today, XX/XX/XXXX, at XXXX XXXX  EST I got a phone call for an 'unknown ' number and did not answer. I then received a phone call from my dad at XXXX XXXX EST that was very similar to the phone call I got from my mother last year. He told me to call them back and get as much information as I could as to why they were calling. While on the phone with them I realized that they were trying to collect the same debt that I paid last year. They were threatening me with legal action saying that I'm breaking a federal law for not paying this debt. I informed her that I had a receipt for proof that I had already paid it but it came from a different company. She asked what company and I told her I would have to look it up and asked her to wait a moment while I did. When I spoke again to let her know the name of the company she was not there. After hanging up I called my dad back and he gave me the number that she had called from. She told him that she was calling from North Carolina however the number that popped up with from New York. The number is XXXX. I did not get the name of the new company calling before they hung up on me. 

I'm starting to wonder if I ever own money in the first place and if I'm not just out {$470.00}. 

Attached are the letters and receipt that I received from the original company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly ( 90 plus ) days late on the DPT ED/XXXX  partial account number ****XXXX and on the XXXX partial account number - ***XXXX. ( Please see attached copy of my credit report. ) These accounts have been brought current and are no longer in past due status. This incorrect reporting of lates is harming my credit score and these line items need to be brought current to accurate report zero late payments. I have contacted the ( 3 ) bureaus to resolve this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: PA

Complaint narrative:
I noticed on my credit report that I had an account go into collections on XX/XX/XXXX. It is from service received for an emergency room visit on XX/XX/XXXX in the amount of {$550.00} & I have not been notified of this debt to this day. I do not remember going to the ER during this time. No phone calls were made to me or any forms of communication except reporting it on my credit report. I have had a new residence since XX/XX/XXXX which has been properly reported to the state & local post office.  Now it is on my credit report showing as a negative & derogatory account in collections. I am the one who reached out to Midwest Recovery Systems when i noticed it on my report today XX/XX/XXXX to resolve & asked politely for them to remove it from my history because to my knowledge it is past the statue of limitations of when they can try to actively pursue this debt & they refused, the response was they have 7 years. It took Midwest Recovery Systems - 6yrs. 1mo. to report this debt & i believe it is inaccurate & past the statue of limitations of which they are allowed to handle & pursue this debt. I also do not believe this debt is mine to owe regardless & they could not provide any paperwork, only the date of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly ( 90 plus ) days late on the DPT ED/XXXX partial account number ****XXXX and on the XXXX partial account number - ***XXXX. ( Please see attached copy of my credit report. ) These accounts have been brought current and are no longer in past due status. This incorrect reporting of lates is harming my credit score and these line items need to be brought current to accurate report zero late payments. I have contacted the ( 3 ) bureaus to resolve this issue however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly ( 90 plus ) days late on the DPT ED/XXXX partial account number ****XXXX and on the XXXX partial account number - ***XXXX. ( Please see attached copy of my credit report. ) These accounts have been brought current and are no longer in past due status. This incorrect reporting of lates is harming my credit score and these line items need to be brought current to accurate report zero late payments. I have contacted the ( 3 ) bureaus to resolve this issue however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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:
I don't recognize these inquiries. I've never requested anything from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MA

Complaint narrative:
My issues are with the financial department at the college. I am supposedly receiving money from a Fedloan, but I am still receiving statements stating that I still owe thousands of dollars to the school. I have requested of several administrators in the financial department to please meet with me, to help me understand where and how the funds are being allocated and have been totally ignored. The school seems to be getting its ' payments from the Fedloan, but there isn't enough funds afterwards for me to purchase or rent the required text books etcetera required for the courses. I can't afford to continue going to school as I can't afford to buy or rent the books and other incidentals required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: PLS GROUP, INC
State: OH

Complaint narrative:
Visited PLS to cash a check. The customer service representative made several phone calls to managers while I was in the store. They cashed the check and then a few days later collections called and said it was returned.

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 2019-09-12 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: TX

Complaint narrative:
I don't recognize these inquiries. I've never requested anything from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: TX

Complaint narrative:
I don't recognize these inquiries. I've never requested anything from them.

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 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I spoke with a representative from Netspend this morning, who told me I owed them money for an old dispute that was resolved by me. After 10 days, Netspend was supposed to issue a provisional credit which they did not do. They allowed the case to drag on for over a month and a half, including inappropriately holding funds that I had deposited on the account to pay a phone bill. After total disgust in their handling of my dispute with XXXX XXXX - I filed a complaint with XXXX  XXXX XXXX   and spoke with the airlines. The very next day the money was returned to my account. Netspend did not resolve the issue. I had to because it took Netspend so long to do so. 

They have consistently refused to release my funds from my tempoary card - WHEN I DON'T OWE THEM ANY MONEY. 

My account has a XXXX balance and the remainder of the money was returned to me by XXXX yesterday. If there was an issue with an outstanding balance- they would have told me over the last month and a half of using the card and not retuned my money. 
In fact, I also believe that they shorted me my refund from XXXX - an issue that has never been resolved with them. 

In speaking to them this morning - they want to have their Global Escalation team to call and have continued to XXXX me around rather than releasing the funds right away, so that I can make my payment due for my cat which is now late because rather than releasing the funds yesterday - that they had no right to hold- they have continued to make up bunk XXXX stories about money I DON'T OWE THEM OR ANYONE ELSE. 

I Missed half a day of work yesterday along with other obligations I needed to get done and INCURRED A LATE PAYMENT BECAUSE THESE PEOPLE JERKED ME AROUND ALL DAY YESTERDAY AND HELD FUNDS THEY HAD NO RIGHT TO HOLD. 

In reading online about th his company last night - they have tried to play this game on other people, who finally did recover their money - because Netspend was DEAD WRONG IN KEEPING IT IN THE FIRST PLACE. 

These people are cooked as the cows who come home. 

They should be investigated not only for their fraudulent activity on my account. But for the many others who have suffered at the hands of their or theft. 

I WANT MY MONEY RETURNED IMMEDIATELY, SO THAT I CAN PAY MY BILL. PLUS THE LATE PAYMENT THEY WILL OWE FOR NOT IMMMEDIATELY RELEASING MY FUNDS YESTERDAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: TX

Complaint narrative:
Two ( 2 ) applications for credit fraudulently using my name were submitted to TransUnion by : 1 ) XXXX XXXX and 2 ) XXXX XXXX during XX/XX/2019. The person committing the fraud used a 10 year old previous address. I was called by XXXX XXXX as they were suspicious of the old address. I confirmed I did not apply for credit with XXXX XXXX and XXXX XXXX. They told me they would : 1 ) cancel both credit applications, and 2 ) advise TransUnion to remove the inquiries from my Credit Report. I wrote to both TransUnion and XXXX XXXXXXXX formally requesting removal of the hard inquiries twice. They have NOT removed the fraudulent hard credit inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company continually applies fees when payments are late. Email notifications are not being sent. The company has acknowledged this several times over the past year. It's just not getting fixed. It's 2019. People rely on email and text reminders. The company teases customers with rate and credit line increases but coincidently will forget to send a notice when the time comes for a credit increase. 

I've been a Capital One customer for over 12 years and I'm treated like trash. I opened this card as a credit builder and my experience has been mostly obscenely long hold times ( sometimes over 60 minutes ), condescending customer service reps and misinformation. I've given up countless evenings after work or I have to wake up an hour early just to call about getting my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
HSBC Bank USA Credit Card Holders Beware I took too long to activate the HSBC credit card and it was placed on a security hold. The problem is that I can't reach the security team to clear up the issue. I requested customer service to cancel my account since the card has never been used, but that also has to go through the " security team. '' I'm placed on hold for 55 minutes, at which point the on hold music goes off and the line is silent. I've continued to hold for 1 hour 45 minutes with dead air before hanging up. I've been trying to reach them on hold every day for over a week, so this is not an isolated event like phone line problems. 

This is unacceptable. I have an open line of credit that I can't use or cancel. What if my card gets stolen or used fraudulently? How can I cancel it or report it to the " security team '' that is apparently non-existent? Hopefully I can cancel the card, but I'll never get back the hours of my life STILL ON HOLD right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Issues with Capital One account number ending in XXXX. Received a letter form them stating that they have enrolled me in their Specialty Assistance Program for the next 3 months. Letter was received on XX/XX/2019. Got a call from them on I believe on XXXX the XXXX or XXXX asking if I was going to make my payment. I informed the person on the phone that I can make it now. The payment that I was allow to make was {$50.00} a month due to being in the program. When I told the person on the phone of the amount she said that that was not correct and that I would have to make the standard minimum payment of {$120.00} I told her that I have an agreement and she told me that she doesn't see any letter in the system. I clearly have the letter in my hand and tried to explain it to her. I feel Capital One is not fulfilling their agreement to me and now they are effecting my credit due to the fact they don't have the communication that I clearly have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC
State: TX

Complaint narrative:
We were approached by a solar panel company and moved forward with having the panels put on our home. It has been a disaster from the beginning and the finance company ( whom this complaint is about ) has recently raised our percentage rate to 17.99 % with a {$990.00} per month pay due. We never agreed to this nor did we sign a contract agreeing to it. They have a contract that shows an electronic signature that is something we have never seen. It is a forged document. I have tried to reach the company about it and they are unresponsive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 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: U.S. BANCORP
State: TX

Complaint narrative:
Two ( 2 ) applications for credit fraudulently using my name were submitted to XXXX by : 1 ) US Bank and 2 ) Elan Financial during XX/XX/2019. The person committing the fraud used a 10 year old previous address. I was called by US Bank as they were suspicious of the old address. I confirmed I did not apply for credit with US Bank and Elan Financial. They told me they would : 1 ) cancel both credit applications, and 2 ) advise XXXX to remove the inquiries from my Credit Report. I wrote to both XXXX and US Bank/Elan   formally requesting removal of the hard inquiries twice. They have NOT removed the fraudulent hard credit inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: CW Financial
State: NY

Complaint narrative:
SECOND TRY - company has not responded! CW Financial is just awful! This proves it. I NEED THIS TAKEN OFF MY REPORT! IS NOT MINE! Help, please!!!! 

FIRST TRY ( ORIGINAL COMPLAINT - COPY AND PASTED ) I consistently keep asking for this item from to be taken off my credit report. It is not mine. I will not stop until it is taken off!

Company response to consumer: Untimely response
Consumer complaint received 2019-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Cumulus Funding LLC
State: CA

Complaint narrative:
This company is a shared income loan. I was unaware what this meant exactly but now see the issues with this. Issues I'm having now primarily stem from trying to get a hold of an agent at this company. I made a large payment hoping it would reduce the amount of the loan, which it did not. I was sent a notice that my payment would be going down however due to the large payment. I had been trying to get a hold of them to find out exactly how much my payments would be. I attempted by phone and email several times and was still unable to get a hold of anyone. The first payment since has been withdrawn from my bank and is the same amount that it was previously. They've changed nothing and still have not contacted me. I have again attempted to contact them by phone but continue to be routed to their voicemail. They have, in the past, taken a payment out of my account a week earlier than scheduled. Luckily, I had the funds to cover, and it took 3 days to speak to anyone regarding that. I question if this company is a real company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
XXXX XXXX loan me XXXX in XX/XX/2017. 

They " hold '' 10 % during 18 months. 

I paid interest for the 100 % of the loan. 

By the date they should deposit me the 10 %, they ask me for my tax return and other documents that I sent. Then, they said with those numbers, they can not deposit the 10 % I said, OK, but give me the new monthly payment number ( 90 % ) but the refuse and still charge me the 100 % of the interest

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank/XXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I would like to dispute my student loan balance with Navient. I havent been in school since the XX/XX/XXXX and never took out more than {$20000.00} in loans. Somehow, Navient has me owing {$46000.00}. I pay {$300.00} a month in interest. {$10.00} every single day. By the time I am done, I will pay have paid back {$62000.00}. I dont know where theyre getting their total. When I asked for documentation, Navient sent me a promissory note for {$1800.00}.! 
This is ridiculous. I have paid back more than I ever borrowed and at this rate, I will never stop paying and I dont even know what Im paying for.

Also, my interest rate is 7.75 %. Navient says that Congress sets that rate, but I'm not sure if that's accurate.

Company response to consumer: Closed with explanation