vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
On XX/XX/18 XXXX XXXX called one of my references and informed them i am behind in my payments and disclosed how much i owe them. The reference they called was a family member that had no right to know how much i owed or inform them of what type of loan i had with 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 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I was contacted by company last year for collection on unpaid balance and informed them i never opened the account. I opened a XXXX XXXX credit card for the first time late last year. Never had a credit card before then.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank has a promotion for opening a checking and saving account combination - open both types of accounts, fund them with {$15000.00} and keep that balance for 60+ days and within 90 days after that your checking account gets credited with {$400.00} promo bonus. 
My accounts were funded on XX/XX/2018, promotion condition was met on XX/XX/2018 and I was told by Citibank that on XX/XX/2018 my account should be credited with {$400.00}. 
On XX/XX/2018 I opened a customer service case with the bank, but they have been non-responsive and slow in resolving this. I was promised that it would be resolved " for sure '' by XX/XX/2018, and then I got the same run-around when I called.

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 2018-10-11 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have requested to remove this item from my XXXX report and the investigation results came back today XX/XX/2018 as VERIFIED AND ACCURATE. But the ACCOUNT SOLD TO PRA. I'm extremely confused what was verified with XXXX and XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I received a copy of my credit report and noticed something from Pro Collect, I sent a debt validation letter via certified mail. The response received did not properly validate the debt. Instead what was received was a final bill showing a XXXX amount due.

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 2018-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Tried to get a credit card to help my credit was not approved but capital one dinged my score which I have been working on very hard to repair over the last year. There was no statement saying that if they deny you they will ding you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: Westlake Services, LLC
State: PA

Complaint narrative:
I financed a vehicle in XX/XX/XXXX and in early XX/XX/XXXX had a very bad car accident I had full coverage on the vehicle but the adjuster never totalled the vehicle out although they verbally said they would and it left me with an unpaid balance of over XXXX and it remains on my credit report even though the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
They called several times throughout the day. Sometimes in the # I provided and most times on a robocaller from Kohls dept store. 
The times Ive answered Ive told them not to call so often and I get pay your bill and we wont call you. I told them if I could pay them I would. 

Dates/times called : XX/XX/XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX You get the idea.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 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: DISCOVER BANK
State: CA

Complaint narrative:
XXXX verified this account as accurate. I do not agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: College Foundation, Inc.
State: NC

Complaint narrative:
The school charged me an extra semester when I was dis enrolled from the school. I was then charged more than 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 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I noticed my name on my credit report spelled wrong XXXX XXXX or XXXX XXXX both are wrong and I've never spelled my name this way. I have attempted to contact all 3 bureaus on this matter and nothing ever changes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I noticed my name on my credit report spelled wrong XXXX XXXX or XXXX XXXX both are wrong and I've never spelled my name this way. I have attempted to contact all 3 bureaus on this matter and nothing ever changes

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 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I noticed my name on my credit report spelled wrong XXXX XXXX or XXXX XXXX both are wrong and I've never spelled my name this way. I have attempted to contact all 3 bureaus on this matter and nothing ever changes

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 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/18, I received a letter dated XX/XX/18, amount owed of {$820.00} of time-barred debt & current creditor of XXXX XXXX XXXX XXXX. 

The debt is not mine. 

There is a XXXX numeral after my last name. They are attempting to collect debt on someone who shares the same name as me. It appears that the letter indicates that it will negatively affect my credit report. 

I responded with a certified letter, return receipt requested, instructing the company to stop contacting me and disassociate me from the debt on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: Kentucky Higher Education Assistance Authority
State: FL

Complaint narrative:
I applied in XXXX for a XXXX discharge from XXXX ; I was approved in XX/XX/XXXX. Kentucky Higher Education Assistance Authority, received my loans from XXXX, who in turn received them from XXXX XXXX. XXXX has sent Kentucky Higher Education Assistance Authority, two letters requesting that they update the XXXX XXXX XXXX XXXX, as to the status and amounts of my loan ; they refused to send the information. I have contacted Kentucky for the last two weeks letting them know my information has changed and asking them to update the database. I found the attached letter, showing Kentucky contacted me in XX/XX/XXXX and XX/XX/XXXX, about the same loans in question. But when I contacted them today ( XX/XX/XXXX ) and yesterday, I was told they no longer have my loans, and the loans were transferred to XXXX XXXX XXXX in XX/XX/XXXX. How could they be transferred in XX/XX/XXXX, when they contacted me about the defaulted loans in XX/XX/XXXX?  Kentucky did change my information, as the letter shows but they are refusing to update the database under my old social security number ( XXXX ) and my new one ( XXXX ). I sent them the court papers, divorce papers, new driver 's license, and social security card, but they refuse to update the database under both socials ; they said legal department and supervisor told them they did not have to, since my loan has not been with them since XX/XX/XXXX. But that is not true, since the letter proves they contacted me in XX/XX/XXXX about the default loans. Kentucky is the last company, that XXXX need to get the loans from, so they can discharge my loans ; Kentucky is preventing my loans from being discharged. And if my loans are not discharged, they will come back on me and I am a XXXX Veteran who can not pay these loans. Kentucky is deliberately not updating the NSLD system to keep my loans from being discharged! They are being very difficult!! Kentucky 's representative told me the loans were consolidated in XX/XX/XXXX by XXXX XXXX XXXX, and I contacted them and they are trying to find the loans. But they have nothing to do with Kentucky updating the database to show who the loans were transferred to ; they need to show the status of the loans with them - that they no longer have them and show what happened to them. But they are refusing!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I made a deposit into my account and Wells Fargo give me a few and the deposit was enough to cover the charge. I have my deposit receipt for the account I place the funds into due to me not have my primary checking acct debit card because of fraud on the account ending in XXXX. I deposited and than transferred the funds from my secondary acct ending in XXXX. I will not be paying any overdraft fees due to me placing the fund into my account. All of my debit card are suppose to access all of my personal accounts however they do not due to my debit cards being replace and features not being keep. Once again where is my {$120000.00} that is missing. I still am waiting on my taxes documents.

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 2018-10-11 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: PA

Complaint narrative:
On XX/XX/2018, I disputed XXXX XXXX that its inaccurately being reported on my credit report stating that I owe {$2400.00}. I have yet to receive a response from regarding removing this information from my credit report and this investigation is well over the 30 days allowed per FRCA law. I do not owe this company any monies nor have I ever been late on a payment. I am requesting this account be removed from my report immediately or I will file a compliant with the XXXX XXXX XXXX. Attached is proof that I owe XXXX dollars given to me from XXXX XXXX and a copy of the contract stating that I had the right to terminate the lease early.

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 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
XXXX XXXX has been trying to bring his loan current for years. He has been advised for years by an attorney who he paid on a monthly basis as he was instructed to not speak to the bank and to pay him. This attorney has moved and closed his office after being paid over {$25000.00}. 

XXXX XXXX ' wife passed away and he has been trying to put his life back together along with his children. His loan has been transferred to at least 5 different service XXXX XXXX has sent documents and proof of documents sent. 

At this point he is well able to pay a mortgage. he and his children are employed. 

Ocwen Loan servicing is the servicer on his loan and they have put him in a sale date with no notification of a sale to him. He found out about the sale from people calling trying to get him to sign the home over to them for a small amount of money. 

He was not sent any notice of sale as required 30 days before scheduled auction on his home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I was an XXXX XXXX XXXX XXXX customer but I closed the account in good standing in XX/XX/2010. Today I received a letter from EOS XXXX claiming I owe XXXX XXXX XXXX some {$140.00}, and If I pay by theXX/XX/XXXX, I only need to pay {$100.00}. I immediately called XXXX XXXX XXXX and they put me in touch with their collections department who found nothing with regards to my account. Infact the only information they have is account being closed. This is very disconcerting as EOS XXXX is making a false claim for a debt that is not owed. I am writing this request to bring to your attention the fraudulent practices of EOS XXXX which I have read on the XXXX XXXX XXXX community forum as well as many a people have been scammed by them. Here is the link. 

XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: VA

Complaint narrative:
My son 's father passed away, I am XXXX years old and struggling. 25 % of my pay is already being garnished from my check ( 15 % ) goes to the Department of Education and ( 10 % ) goes to PHEAA as well as ANY tax refund is immediately sucked out and immediately send to the Department of Education. I have paid SOOO much money in interest, collection fees, etc. that I do not see any end in sight and I will NEVER get these paid off so I can start on this one. I had absolutely no idea that when I was helping my son go to college that I would be paying back 3 different companies. I feel like I was totally misled because I sent a request for aid to 1 place and 1 place only. The money came from place only. I have tried to get out of default by making double payments for several months, but I was lied to. They told me when I could only make an additional $ XXXX that after 7 months, they would look at my situation and I would have a new lowered payment ... yeah, it's now {$1200.00}! I don't even have anywhere close to that leftover after garnishments! I filled out an application with all of my expenses and income which came out to about XXXX! I have just gotten out of the hospital for an XXXX  and feel like I am being harassing every way I turn. If I had to do over again, I would have NEVER, EVER SENT MY SON TO COLLEGE BECAUSE IT IS KILLING ME!!! I have no more money. I barely have money for food!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Step 1 : What is this complaint about? Additional interest, fees, expenses and charges added to original debt Step 2 : What type of problem are you having? Payments had not been recorded, in payment history of collection agency, XXXX XXXX XXXX. 
Step 3 : What happened? I did not know when the bill was headed over to collection Step 4 : What  company is this complaint about? XXXX XXXX XXXX Step 5 : Who are the people involved? XXXX XXXX XXXX XXXX  The Fair Debt Collection Practices Act was passed by Congress in 1977 to protect consumers by making some debt collection activities illegal What if the Amount Is Incorrect? 
In general, collectors may not add interest, fees, expenses or charges of any kind to the original debt. However a collector may charge an additional amount if :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
XXXX XXXX sent me a final bill for services and agreed to waive the early termination fee because I was moving to a location that did not allow satellites. They never waived the termination fee as agreed. I paid XXXX {$530.00} for my last month of service and early termination. XXXX then sent my account to collections ( Receivables Performance ) stating I owe {$800.00}. I don't know where they got that balance from and why it was ever sent to collections when I paid XXXX directly in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: SC

Complaint narrative:
FOLLOWING THE RECENT EXPERIAN CREDIT BREACH LISTED IN RECENT SECURITY WORLD WIDE ALERT STATES THAT THAT ONLY AFFECTED THE  CONSUMERS WHO VIEW THEIR EXPERIAN REPORTS ONLINE ( SEE ATTACHED EXPERIAN WEB DOCUMENTATION TO PROVE THIS TRUE ) I NOTICED THIS UNAUTHORIZED FINANCE ACCOUNT ( THAT WAS PREVIOUSLY DELETED/AND MARKED AS AN UNAUTHORIZED FRAUD ACCOUNT ) FOLLOWING THIS RECENT EXPERIAN CREDIT DATA BREACH EXPERIAN HAS RE-APPLIED THIS UNAUTHORIZED ACCOUNT ( XXXX XXXX {$1600.00} ACCT # XXXX ) BACK ON MY CREDIT REPORT WHICH IS ( AGAINST THE FDCPA LAW ), ALSO THIS ( UNAUTHORIZED HARD INQUIRY ON MY EXPERIAN XXXXREDIT FILE ) XXXX XXXX XXXX XX/XX/18.

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 2018-10-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
EQUIFAX COMPLAINT Equifax intentionally refuses to be in compliance with FCRA laws & more importantly Fair and Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress. 

On the onset, Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to XXXX XXXX, in 30 days and or til date, despite XXXX XXXX repeated requests. Second, XXXX XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, XXXX XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to XXXX XXXX. Hence, Equifax again went silent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I opened this account on XX/XX/25 under a promotional offer of {$400.00} for depositing and maintaining a {$15000.00} balance for 60 days. 

The funds posted to Citibank on XXXX and were maintained for 60 days. 

I contacted them today and they are now trying to say there is no offer on my account. Despite me signing up under their promotional link and offer. I read the full offer terms prior to entering my information and completed them all.

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