vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-06 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX XXXX said they would not put any negative info on my credit report when I was trying to get a modification from them. They put it on there anyway. I later sold the house and became positive with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX said they would not put any negative info on my credit report when I was trying to get a modification from them. They put it on there anyway. I later sold the house and became positive 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 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Good Afternoon, My name is XXXX XXXX XXXX and this is a complaint regarding two specific overdraft fees from my personal checking account at Wells Fargo. On XX/XX/18, Wells Fargo charged me two separate overdraft fees of {$35.00} each for the same incident. The first fee was labeled " NSF RETURN ITEM FEE '' and the second fee was labeled " OVERDRAFT FEE ''. Although I have a secondary checking account that had more than enough funds to cover this accidental overdraft, my own bank of twenty years authorized two overdraft charges totalling {$70.00}. When I called Customer Service to report my complaint, Account Supervisor XXXX XXXX told me that he was only able to refund half of the amount, and that there was nothing further he could do. These charges are not only excessive but unnecessary. I am requesting that I be refunded the additional {$35.00}. Please contact me if you need further assistance identifying my accounts.

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 2018-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been trying to close my father 's accounts after he passed away XX/XX/2016. I have been able to close all the accounts except this one with Citi Wealth Management. Every time I try to submit the documents they request, I am told that there are additional documents needed. I have submitted documents to them on at least ten occasions.

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 2018-03-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is showing a late payment. When i log on to their credit reporting web site via my membership it indicates that their is a late payment and it is adversely effecting my credit score.  Upon complete review of their report of my entire credit history there are NO late payments to be found! I called Experian and spoke with their dispute center and while i was on the phone with them they reviewed their report of my credit history and did not find a late payment report either, but they did say that a report from XXXX XXXX which does indicates Paid, Closed Never Late, it also indicated early termination/insurance loss, and that JUSTIFIES A LATE PAYMENT REPORT!!!! I disagreed and said it was a leased car which was totaled and XXXX XXXX was paid in full for the vehicle by the insurance company. He said there is nothing he can do and i should call customer service at Experian, which was another waste of time. I CALLED XXXX XXXX AND THEY SAID THEY REPORTED PAID, CLOSED NEVER LATE. They said the reference to the early termination insurance claim simply refers to how the account was closed and paid. They also said that it was ridicules for Experian to take that as a late payment, it makes no sense and there was nothing they could do for me with regard to Experians report. I will upload a copy of the section that shows the XXXX XXXX information. Their reporting a late payment does negatively effect my report and my credit score. I also acquired my credit reports from XXXX and XXXX and there are no late payment reports their either.

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 2018-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
MCM # XXXX I received a letter in XX/XX/XXXX from XXXX collection agency about a purchased debt from XXXX XXXX for {$330.00}. I was told it was for a XXXX XXXX XXXX XXXX. I froze my credit a number of years ago so I knew the card wasn't mine. On XX/XX/XXXX I started phone conversations. I called XXXX and asked for backup. The company claimed it didn't have any backup that I would need to reach out to XXXX funding but as far as they were concerned the debt was valid. I called XXXX XXXX twice and spoke to 2 different people and they claimed they had no backup other than I was on a file. At this point I called XXXX XXXX and spoke to their rep and the company had shown that I had been offered a card but had never responded and I did not have a record with them. At this point I went back to XXXX and worked my way up through the chain and reached a manager who said that due to no back up being available the debt was closed. I asked specifically " This debt is closed and I will not hear from anyone else and that this discussion ended here? '' The manager confirmed this. About a week after that I received another letter from XXXX offering a discount on the amount owed which I just trashed assuming the matter was over. XX/XX/XXXX I received a letter from XXXX and the cycle had started again same debt /same vendor info. I called XXXX today MXX/XX/XXXX and  spoke to a rep who acknowledged my previous contact history and the cancellation of the debt from XXXX but still went into stock script " why don't you think you owe this debt and how can we resolve this? '' I repeated that if proof of debt can be provided I will pay but until then he should mark this debt as disputed. I asked for his name and mentioned that I was initiating a consumerfinance complaint and he became quite short and abrupt and the call ended. 

At no point have we received any contact from XXXX XXXX saying a debt was owed as we would have resolved way before now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 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: OH

Complaint narrative:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX   report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit  Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX, XXXX XXXX XXXX, XXXX, OH 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 2018-03-06 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: OH

Complaint narrative:
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX  XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I spoke with a representative from the company called Santander about Mailing out the title to a car I just finished paying for this was on XX/XX/XXXX the representative inform me that the title was put in the mail on XX/XX/XXXX she informed me that it takes up to two weeks to receive the title I called again on XX/XX/XXXX and spoke with another representative and the representative is giving me the run around all I want is the title to the car I paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX XXXX XX/XX/17 Td auto finance XX/XX/17 Neighborhood XX/XX/17 XXXX Llp XX/XX/17 I didnt authorize the dealership to run my credit to any of these places. After one bank with a high interest rate, I specifically told them I was getting a rate from my bank after the weekend and to not pull my credit from anyone else. They wanted to sell me the car so they sent out my info to all these lenders without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Penn Credit have attempted to collect a debt not owed by me. Rather than conduct any effort at due diligence, they have pursued me simply because I have a similar name to the debtor. This business practice is reckless and may be illegal. On XX/XX/18 Penn Credit wrote to me in an attempt to intimidate me in to paying a debt of {$920.00} owed by someone else. Penn Credit has refused to cease and desist in their harassing and bogus collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: P.S.C., Inc
State: WA

Complaint narrative:
In XX/XX/2018, I received a document at my place of employment requesting verification of my income. Upon receipt of this document, I contacted P.S.C. to discuss the debt and my intent to pay. During this conversation, we discussed a promissory note for the debt in question, and I agree to review the document, and I made a {$50.00} good faith payment towards to debt after being told that I needed to do so. I was to receive a promissory note in the mail from P.S.C. in  order to begin making payments on the medical debt. To date, I have not received the document, but I have continued to receive harassing phone calls. On Friday, XX/XX/XXXX, I received a call from " XXXX '' demanding that I return his phone call by XXXX XXXX that day. On that date, I also made another {$50.00} payment as good faith, expecting that I would at some point receive the agreed upon documentation that would afford me the opportunity to clear this debt. 
It is not my responsibility to ensure that documentation is received by me in order to clear the debt. It is the responsibility of the collection agency to honor their part of the arrangement and provide me with proper information. I am not going to pay on a debt, under a verbal agreement with no assurance that my credit will not be impacted. If PSC wants me to pay the outstanding debt, then I suggest they stop calling to harass me, and they provide me with the written documentation they themselves proposed so I can go ahead and issue payments to clear the debt. This will be my only attempt to resolve this matter with PSC. Should PSC continue to harass me, I will take this to the next level. Thank you.

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 2018-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Somebody or someone taking my name on my name on my social security so report to the police on XX/XX/2720

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 2018-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
they will not issue rewards balance towards payment on bill. every time I call with complaint about this problem customer service keeps saying give one month or next billing cycle to take effect

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 2018-03-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was an authorized user on a XXXX XXXX Credit card. I was removed on said credit on XX/XX/XXXX and requested that this credit card be deleted from my credit profile immediately. XXXX   provided me with a letter that was sent to and I personally uploaded to all three credit bureaus dated XX/XX/XXXX, indicating that I was removed as Authorized user. XXXX and Equifax stilled refused to remove account from my credit profile. I reached out to XXXX  again asking that another letter be sent on my behalf asking that this account be removed from credit profile immediately. XXXX sent another letter Dated XX/XX/XXXX, and further requested that this account be deleted but still XXXX and Equifax still refused to remove account. I uploaded copeies of all letters to both credit bureaus on the same days XXXX sent them out, so I was assured they received the correspondence. I then called Equifax on XX/XX/XXXX and spoke with Account Manager XXXX ( ID # XXXX   ) and he assured me the account was deleted as of XX/XX/XXXX and said I should buy the Equifax credit monitoring system to check real live updates to my credit report, which I did while on the phone with him. When I checked my credit my report on XX/XX/XXXX the XXXX XXXX account was still showing. I called back on XX/XX/XXXX and spoke with Account manager XXXX ( ID # XXXX   ) who explained that I was giving wrong information and the account is still in dispute status. I explained there is no dispute as I have copies of all correspondence and XXXX has requested several times that this account be deleted from my credit profile. Account manager became rude and stated that I would have to wait an additional 30 days for results because XXXX sent another Request that this account be deleted. I have made every good will attempt to have this account deleted from my credit profile but I continued to be told false information as well as sold products I don't need. XXXX   has also refused to removed the account based off the same reason that each time a letter is submitted to delete an account they must add an additional 30 days which I know to be untrue as I verified with account managers on with both credit bureaus that all letters act only to prove or disprove your request. I am asking that this XXXX XXXX   account be deleted immediately from XXXX and Equifax as it effecting my credit to debt ratio, and prohibiting me from closing on my first home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
I use my mobile phone for my XXXX XXXX, and at my job, as I'm not provided a phone to call my sales leads. The company, Hunter Warfield for the last 3 years have called me repeatably during my working hours after I have clearly stated to them multiple times to call me after my work hours. They have called me for the last 2 months, and after I have advised to call me after work hours. On XX/XX/XXXX, at XXXX XXXX  I received a call from " XXXX '', I advised her that I was at work and the number she was calling, was my work Number. she continued to speak and I advised her to call me after hours when I get out at work at XXXX XXXX, she ignored me and continued.. I disconnected the call after advising I was at work. 

On XX/XX/XXXX at XXXX, they called again. I advised the same, that i was at work, and this was my mobile work number and they shouldn't call me during this time, they continued to speak and I needed to disconnect the call. 

Today on XX/XX/XXXX, at XXXX, XXXX calls again and continues with her script. I advised her I'm at work and can not speak to her, that she is calling me mobile work number and need to call me after work hours ... she continued to speak, I disconnected the call. 

They have called me from Multiple Numbers. 

Dates Below. 

XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX All of these hours are times which I'm at work and they are aware of this. I would like for them to stop harrassing me while I'm at work, and calling my work number.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have a bank account that is not located in my current state, my account had a charge that was over the amount I had in the account, so I instantly transferred funds from square cash. However PNC processed the negative charge prior to the credit, though transactions happened same day. I am not able to physically remedy the situation as there are no branches here, and attempted to fix the problem by transferring funds, but with PNC processing the debit first they applied 3 NSF fees causing me to yet go negative again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: NM

Complaint narrative:
In the beginning of XX/XX/XXXX I received a letter from XXXX XXXX, a debt collection company for three separate medical debts originating from XXXX XXXX XXXX. The letter sent to me, by XXXX XXXX was dated XX/XX/XXXX. To my knowledge these accounts had previously been resolved by insurance with XXXX XXXX XXXX, if they were not covered by insurance I never received a phone call or a letter indicating that I had an outstanding balance. This is the first Ive heard of these debts that are supposedly from the years XX/XX/XXXX and XX/XX/XXXX. When I contacted the XXXX XXXX  they stated that they received these debts on XX/XX/XXXX and I had 30-45 days to set up resolution with them before they reported the debts to the credit reporting agencies. Mid XX/XX/XXXX I sent XXXX XXXXCarpio Partners LLC a debt validation letter, to which they state they never received. After contacting them twice to see if they have received the letter, which they had not I decided to set up resolution. I will be closing on a mortgage in the beginning of XX/XX/XXXX and can not afford to lose my home to an unverified debt being placed on my credit report. After being assured this debt has not been sent to the credit reporting agencies yet but will be any day now, I paid XXXX XXXX a down payment of {$850.00} today XX/XX/XXXX, and set up a {$25.00} a month payment plan in fear of this debt being placed on my credit report. Paying the {$850.00} has put me in a hardship with my other bills, all while not knowing if this was a valid debt or not.

Company response to consumer: Closed with monetary relief