vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
There is a collection on my credit that was fraudlently opened. I have attached a copy of my police report. This is affecting my ability to obtain a mortgage on the new home I am having built for my family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: MN

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX   have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: iQuantified Management Services, LLC
State: ID

Complaint narrative:
Many issues have occurred with this vendor, first they called both my husband and I at XXXX local time today XX/XX/XXXX, secondly we had not received any notification in writing before these calls started ( she admitted the first date they sent an invoice was XX/XX/XXXX which is a Sunday ) and as of yet, I have not received it. Her words were also trying to deceive making it sound as though the debt was already in hard collections, and as if I did not have my 30 days to rectify before hitting my credit report, after pressing the issue ( since I work in XXXX XXXX XXXX  ) she backed off a bit with the truth. Ultimately very dishonest business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
I went to do an extension for my auto loan when i was leaving the country for vacation. I did not get a piece of paper i needed to sign and return to make it happen. So i made every payment since then for my account but because i did not make that one it has been showing on my credit score as 3 missed payments which is not correct at all. 1 missed month but it wasn't even missed in reality. They just didn't tell me about the piece of paper i needed to sign because i would have told them i will be gone for a month and not able to get the paperwork anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection
State: NJ

Complaint narrative:
After a careful review of my credit report, I noticed that a company, Perfection Collection ( " Perfection '' ) had placed an account in collection through XXXX. I called Perfection and was informed that they represented XXXX the original company in which the account was opened. Perfection also indicated that the account was opened in my name by XXXX in XX/XX/2016. I informed them that I never opened the account and their reporting is causing severe harm to my credit score. Perfection indicated that they were not removing anything and that I needed to call XXXX. 
I called XXXX was was told to email a copy of the police report to their account receivables. I have sent the police report to the account receivables, but I believe that XXXX was negligent in the whole process. They opened an account without any account verification. As such, I now have an fraudulent account on my credit report. 
I am a business owner and my credit means everything. In light of the foregoing, I believe that XXXX and Perfection should be liable for the errors. As a resident of XXXX, I never received any notification and/or any forms of correspondence regarding this account. How could I have known about something I never consented to do. As such, I am respectfully requesting for a full investigation with both companies. How could it result into an account being placed on my account that was never verified. XXXX  lack of diligence has caused substantial harm to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX my wife, XXXX, and I purchased {$65.00} worth of merchandise at Kohl 's located in XXXX XXXX, Florida. My wife 's Kohl 's card expired in XXXX. The cashier said it was still OK to use and updated our current address and contact information as we were checking out. On XX/XX/XXXX, I learned via a credit monitoring service that Kohl 's processed a delinquent account with the credit reporting agencies. I immediately contacted Kohl 's and found that balance due statements were sent to our old XXXX XXXX   address. We moved from XXXX to XXXX in XXXX and the Kohl 's mail was returned to their address in XXXX. Within a hour we made a full payment to the nearest Kohl 's store. This was an error by the Kohl 's employee in XXXX for failure to update our mailing address. 

I successfully, after numerous attempts, persuaded Kohl 's to waive the majority of the finance fees. Our FICO score was reduced from approximately 800 to 709 due to this Kohl 's error. I formally requested them to reverse the overdue payment notification with the credit reporting agencies. They have refused to take the correction action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For about two months now I haven't been able to see my Equifax credit score. I called and they told me I needed to update my new marriage name and address in the system. I sent them all of the documents they needed. I've been sending it for the last two months and they refuse to update the information. They will send a letter to my father as if he has sent in information! I am in the process of buying a home and this is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX continues to call dispite being informed to cease all forms of communication ( oral and written ),  a violation of the FDCPA. This company calls from the numbers of XXXX and XXXX. 

All of my debts are long past the statute of limitations. I retain and can supply a copy of my XXXX Credit Report which proves that all debts are 10 years old or older. Thus, there is an absolute bar for any form of litigation. 

In accordance with the FDCPA, a debt collector MUST stop all forms of communication once they are informed to do so in writing. My past written letters to MCM have been ignored. Thus, I am using this complaint as a formal written cease and desist informing MCM to cease all forms of communications concerning any and all past debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 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: NY

Complaint narrative:
On XX/XX/XXXX, my husband and I sent a letter to Equifax, asking them to investigate errors on our credit report. Our understanding was that Equifax was supposed to respond within 30 days. Well, my husband received his investigation results from Equifax weeks ago, but I have yet to receive my investigation results. I have sent a follow-up letter to Equifax about this, but that hasn't been responded to either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to express my concern with a letter from Wells Fargo Home Mortgage and subsequent phone call today with an Wells Fargo Home Mortgage agent ( XXXX ) regarding the possible removal of PMI on my mortgage account. In early XX/XX/2018, I inquired about the ways to remove PMI from my monthly payment. I was given 2 options over the phone and similar option when reviewing online. A few weeks later, I got a letter dated XX/XX/2018. In this letter I was given a third option for a Broker Price Opinion ( BPO ) that would satisfy the PMI removal request as long as the home value came in high enough. The letter I received simply states that the process involves measurements and photos of the property to assist with current market information to provide a new estimate for the home. When I called Wells Fargo today ( XX/XX/2018 ), I asked for clarity on this option. At that point, XXXX indicated that a structural upgrade would be required and must have been completed before the BPO assessment. Had I not called today, I would have simply followed the  instruction on this letter and had been out the non-refundable {$200.00} that was the last condition indicated in the letter. I feel this is unbelievably deceptive. A reasonable person should not have to call to double check on something like this, when the disclosures appear to be clear in the letter provided by a financial institution. How many other people are sending in their money for no reason?

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 2018-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
Once again..another problem with AES. Last month their system said I didn't make a payment and that I did not have a Direct Debit set up. Now this month I get notification that my payment is now two days past due and that NO direct debit is set up. I called AES and got a very snippy representative that said I received a letter. Note that two months ago, I asked that I receive hard copy mail and not electronic ( another FAIL by the lender ) as I note that I do have a letter from them canceling my direct debit. HOWEVER, they blame this on my personal bank. I spoke with my bank about this and they said they did not advise AES that it was not able to process the direct debit. 
I want my loans sold IMMEDIATELY to another lender who is responsible. 
I am asking CFPB to please take care of this. I am sick of this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Credit Karma, LLC
State: MA

Complaint narrative:
I went to do an extension for my auto loan when i was leaving the country for vacation. I did not get a piece of paper i needed to sign and return to make it happen. So i made every payment since then for my account but because i did not make that one it has been showing on my credit score as 3 missed payments which is not correct at all. 1 missed month but it wasn't even missed in reality. They just didn't tell me about the piece of paper i needed to sign because i would have told them i will be gone for a month and not able to get the paperwork anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
Friday XX/XX/XXXX Advance America will take payment out of my checking account. My checking account is on hold due to issue Im having with my bank. advance America will not work with me on making payment. I need the payment to stop and Im more then willing to pay what I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Independent Dealers' Advantage, LLC
State: GA

Complaint narrative:
I purchased a vehicle though XXXX XXXX auto financed company is IDA loan agreement started in XX/XX/XXXX and I did not get a tag till late XX/XX/XXXX due to the inconvenience IDA was going to give me a deferment on my loan which that never occur I have run a month behind ever since because I was under the impression that it was granted my vehicle was reposed because they are saying now that am two month behind, I requested to speak to a manager in several occasions and no return call, I also send emails and no reply. Last Friday my vehicle was not in the parking lot where I parked it when I called them they transfer me to a Mrs. XXXX repo manager now she is saying I have to pay the loan in full if I want to retain the vehicle. I don't have those funds available and how is that my fault when I have try to communicate with them in numerous occasion and they where not responding to my plead.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: SC

Complaint narrative:
I spoke with 4 different employees ( 3 supervisors ) with trans-union. I filed numerous complaints that a bankruptcy public record should have been removed from my credit report as of XX/XX/XXXX when I initially started my bankruptcy. They stated that the court is showing that the bankruptcy wasn't filed until XX/XX/XXXX. I spoke with a lady with the bankruptcy court who stated that they have nothing to do with the credit reporting agencies and that I should request proof of documentation of how they allegedly verified the information as accurate on my credit report. i have sent numerous disputes to trans-union in reference to this and each time it has come back as " verified '' but they they will not show me or tell me how they verified it. I was told I would need a subpoena in order to get proof of how they allegedly verified the public record is accurate. They are obligated to removed the false information off of my credit report by federal law if they can not accurately determine if it is supposed to be on there. They have failed to remove it from my credit report and have failed to provide me with documentation showing how it was allegedly verified. They are in violation of the law. This is my first step, per my attorney at getting this situation resolved. XXXX  removed the inaccurate bankruptcy public record from my credit report without any problem. I was told by employees, " were not equifax and not obligated to remove anything just because another credit reporting agency has removed it. '' They're basically telling me I have to sue them and obtain a subpoena to receive any proof that they confirmed this account is accurate. CROOKS!

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 2018-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i responded to transunion and XXXX about negative items on my credet report on XX/XX/2018, delivery comformation # XXXX XXXX  comformation # XXXX, asking them to verify these items bearing my signature and haven't heard anything from them. i understand that they have 30 days to reply to my request, via the FCRA laws before it is considered a violation with them.because this is affecting me from getting a house

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 2018-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I applied by phone with Frost loan rep and completed application. I was told later that they were unable to open up a credit report with XXXX. I contacted the company and they assured me there was no problem and that the merchant needs to call if there any problem. I never had a freeze alert on my credit report but once again Frost attenpted to open file and came back with some result. I once again contacted XXXX and they told me it was not a problem on their end. They reset my file and now it been ready for review but I asked Frost bank to run my file again and they claimed same problem and made no effort to seek solution to them being unable to open file. I requested for XXXX to provide me with my report and at the same time Frost bank claimed they was attempting to work around this by seeking an answer thru their tech department. When I received a call from Frost rep they claimed they still was not able to open account and I asked why want they consider the other reporting agency 's file. They claimed it was their policy only to use XXXX. I then get a call from Frost bank rep claiming since they were unable to open file and they gather since information from somewhere they was offering me less then the amount I requested. I was applaud since i have a great deal of credit history no past due all paid as agreed and enough income to support the amount I requested. I requested XXXX and they was trying to counter with XXXX without no just cause other then that what we decided. Thurout this process it appeared unfair and unjust since there was no cause for concern with any prior loan or line if credit I have. My debt to ratio is only XXXX on one credit card and my income is XXXX. You do the math and determine why this stall approach and then offer an counter after they claimed they were unable to review my account. They made several hard line inquires as well and have avoid the main question why was they not able to open my account. And how are they making a decision based on no account now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
Speedy Cash is taking money out of my account and I never applied for this loan. If you do not how my photo ID or my signature online. Im requesting document and I will file civil suit against you for fraud. I will seek damages ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened the account XX/XX/XXXX. 
I withdrew the full balance of the account on XX/XX/XXXX. 
I called to close the account on XX/XX/XXXX and the customer service representative said the account was now closed. 
On XX/XX/XXXX I received a collections notice for {$43.00} because I supposedly had not closed the account and had been overdrawn by maintenance fees. 

On XX/XX/XXXX I called multiple customer service departments including collections and the branch that controlled my account. All said they couldn't reverse the collection even though it was fraudulent and made by a bank 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 monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Credit & Finance, Inc.
State: TX

Complaint narrative:
XX/XX/18, Atlantic Credit and Finance called me today trying collect a debt. I told her to remove this number ( my work number ) from their list and provided my correct cell phone number. She proceeded to say that the last time they called me at this number ending in XXXX ( my work number ) you told us the same thing. I cut her off by saying yet you called me again and you know that's wrong. I disconnected the call.

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 2018-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
XXXX XXXX is out Utah. The representative never told me this would be a loan and monetary financial services never provide updates on balance. The school hardly ever return calls or keep up with you all alon. I just found out I have 8 percent student loan that was never explained to me I was told I cant the cancel the contact of the the loan even tho I want to with draw from the program. This is predatory lending against students who want to better their careers see XXXX  reviews and Montray has horrible review. I just want to get away from this school, stop paying on the I never agreed to Verbally ; not get my credit ding by Montray Fiancial. Please help and save students time energy and money. XXXX XXXX   lacks integrity and will ask to a positive post online about the school it is called bait and switch only if you need a extension in the course. 
Please help please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation