vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
On XX/XX/2019 alone this glad collection company threatened to sue me, if I didn't pay them. I informed them to no longer call me, and any disputes they have to submit in writing with proof the bill belongs to me. They proceeded to call over six times this day alone. Not to mention countless other times this has happened to me. When calling, and asked who they are, this company doesn't reveal anything other than the callers first name, and will not state the company they represent. When you try to inquire about whom they work for, without disclosing your personal self as whom they are calling for, they say, " ok, ( name of person they are calling for ), since we know it's you, this glad collection about debt xyz. '' Then after telling them my personal information hasn't been revealed to them, they proceed revealing private information. When asked not to call the number, every time, for 2 up to 4 days after I receive 6-10 calls from their local and 1-800 numbers a day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I have tried to call Equifax for the past month in order to unfreeze my credit score. I'm currently in the process of trying to buy a house and am about to lose said house because they will not release my score. I have sent them all the information they require in order to make this happen and each time they have lost it. I verified the fax number with them every time I called ( I have the correct number each time ) and still they have yet to receive my paperwork. I am 3 days away from losing the contract on my very first home because they refuse to help me and give me false information. I have cried and I have begged for any kind of work around in order to make this process go faster so I will not lose my house, but I am met with the same scripted telephone calls each time. They have said there is a problem with my identity ( I married XXXX  years ago and recently divorced but kept my married name because that is the name attached to my social security number )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
On XX/XX/2019 I started receiving dozens of phone calls from XXXX at all hours of the day. 

No one would ever be on the other end and when I called back they would just hang up on me. 

After doing some research I found the number belonged to a collection agency named MRS . 

Through their website I was able to find their fax number and on XX/XX/2019 I faxed them a letter demanding they stop calling me and if they are collecting a debt to validate the debt via mail. 

So far they have refused to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
I tried to file a fraud claim for fake checks deposited in my account by a scam. The US Bank Risk Department closed my checking and savings account. They said the local branch has to call and they would walk them through the procedure. I went to the XXXX, IL branch and was told by the branch manager I could not file because it was in the fraud department. They kept my last pay check and said I had to pay for the fake checks.

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 2019-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2019 I sent myself a check for {$440.00} from my unemployment account through XXXX XXXX XXXX. On XX/XX/2019 I had not received the check so! phoned their customer service. I was told the check was not sent and the money was credited to my account. I phoned customer service on XX/XX/2019 and was told I have to wait 30 days and file a complaint to get my money back. My car note has bounced due to this.

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 2019-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Advance America, Cash Advance Centers, Inc.
State: LA

Complaint narrative:
Sometime in XX/XX/2019, I called the clerk at the Advance America store located in XXXX, LA and informed her that I would be in that week to make the late payment on my loan and not to deposit the check. The next day, she deposited the check. I called the manager, XXXX to inform her of how furious I was that they did this and she apologized for that error. She told me that it should have never happened. 

On XX/XX/19, I paid {$40.00} on my {$250.00} loan and was going to make weekly payments but couldnt. On XX/XX/19, my {$250.00} check was redeposited over five times per my bank. A few times were returned NSF. No one mailed me to inform me that my check would be redeposited which was fraudulently done because I made payments. I did not owe them the full amount. As such, it shows that my payments were never applied to my account and they stole money from me. I have the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Name : XXXX XXXX XXXX Wells Fargo breached duty of care. 

XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION ; PER Wells Fargo MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { WELLS FARGO } { ac # XXXX } { Remove negative and late reporting information from all records from Wells Fargo HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results

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 2019-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WA

Complaint narrative:
Prior to attending a certificate program that allowed me to defer my loans, my monthly payments were {$550.00}. 

I just finished my program and when I set up XXXX to make sure my payment would be made electronically every month, I noticed that the payment amount was only {$490.00} and some change. 

There was no explanation. I was never informed. This would result in greater interest being charged over the life of the loan. A lot more interest. This seems unethical at best and is most certainly deceptive. 

Further, when I previously had XXXX set up, it would only charge the amount I authorized. But now the form implies the amount can change. Since I can't negotiate the terms, this seems problematic at best. 

Finally, I was forced to accept the terms and conditions with no ability to negotiate those terms. Since I don't have a choice in repaying my loans, to be forced to agree to terms and conditions seems yes you guessed it problematic ( proper punctuation omitted on purpose for effect ). 

I have spent years dealing with student loan lenders. It never gets better. It only gets worse. At the very least I should have had a choice in the lower payment amount and been informed of the consequences. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Klarna AB
State: CA

Complaint narrative:
On XX/XX/2019 I received a notification from my credit card company that a hard inquiry was done on my credit report. I have not authorized this company to pull my credit. I do not recognize this company. 
Klarna/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
Hello, I have my several attempts to contact fed loans, I have written several letter that has gone unanswered, called numerous times and emailed the ceo and nothing has changed or been updated. I was under the unemployment deferment program due to being hospitalized and I had no income coming in, fed loans still reported my loans late and caused my score to decrease over 200 points. Which has resulted in me not being able to be approved for housing due to having low credit score as well as recent late payments. I have until XX/XX/XXXX to find a place to stay with the recent late payments and low credit score it will be impossible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I pick this All Inclusive Resort called XXXX XXXX XXXX in XXXX XXXX I showed up Check in went to the room the room wasn't the room I requested to be facing the Beach it was a room facing the Pool it was Dirty Blood on the Sheets mini refrigerator was empty I went to Front Desk to Complain all of a sudden no one spoke XXXX but they spoke XXXX when I was Checking in plus it was a Holiday XX/XX/XXXX a family member came to see me they chased him off the Property for not having some Bracelet but he was only coming to see me not stay I went to the Buffet on the Property same day to eat as I was Biting into the Bread I noticed something XXXX in my Bread it was a Mosquito bake into the Bread I threw up went back to the front desk to complain still everyone was acting like they spoke no XXXX so I had my family member pick me up to go stay somewhere else because I was getting no where with the Resort or XXXX so I Disputed it with Capitalone but they telling me that they can't do anything about it I didn't even spend one night at this Resort because of the Conditions no one should have to go through on Vacation I want my Money back {$710.00} it was Completely Horrible with the worst customer service never again very Nasty

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-03 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-09-03 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
This is the third complaint I have filed against Amerihome Mortgage. 

The two previous complains are : XXXX XXXX A summary of the previous problem : Amerihome mortgage did not renew our insurance policy and let it lapse due to internal error. They did not notice for well over a year when I brought the issue to their attention. After my CFPB complaints, their remedy was to place back insurance on our account at no cost to us ( because we had a gap in insurance history which made us uninsurable ) and to apply new insurance on our home of equal value moving forward. They would find insurance OF EQUAL VALUE to apply to our home, and cover any additional costs over our original premium. 

The new problem : Once again, Amerihome Mortgage did not act in good faith. They have been dishonest throughout this entire experience. The new insurance claim that they bought for our home ( which we had no say in ) was not of equal value to our insurance. In fact, they chose to add an optional rider to the policy to make it cheaper for themselves ( because they had to pay any amount over our original policy ). This optional rider makes it so that our insurance does not cover water damage from plumbing or appliance leaks. Our old policy DID cover water damage. This rider is OPTIONAL in my county. Amerihome decided to add it only to save themselves money over our safety. 

We were not asked about this rider, nor asked if we wanted it included in our policy. Because of their promises, we thought we were getting the exact same level of insurance we purchased previously. 

Well, our AC or Slab now has a leak, and has caused tens of thousands of dollars worth of damage to our floors and baseboards. Because of Amerihome 's decision to skirt the CFPB 's ruling, we are not covered to have any of this damage replaced and must now pay out of pocket for the repairs. We do not have the money to do this, and the mold/bacteria is getting worse every day. It will be MUCH worse after we loose power from Hurricane Dorian and will not have AC to cool the home for an undetermined amount of time. My family will have health issues from this problem. 

How many times must Amerihome step on our necks before full reparations are made and they are held accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After being enlightened regarding several unauthorized charges on a chest bank.of of America claims to have different policies for its XXXX customers on the prepaid card then it does for its regular customers and honoring provisional credit standards set out for all the population. I asked the question whether we were discriminated against in that Arena I was simply told that they process claims in the order that they received them despite its policy for regular non XXXX folks. Standard 48 hours for provisional credit should be honored for XXXX folks the same as it is for regular folks.

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 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX declined my XXXX XXXX application based on " You have recently been past due '' using TransUnion as the credit report. TransUnion says there are zero recent past due accounts. XXXX XXXX says TransUnion reports recent past due accounts to them. XXXX XXXX refuses to tell me what the past due accounts are. TransUnion says there are none and therefore I can not dispute anything. My score on the decline letter is XXXX. I am appealing to the CFPB because I have no way to dispute " recent past due '' accounts that do not exist. Note that XXXX XXXX blames TransUnion and TransUnion blames XXXX XXXX. Numerous calls to both, recorded by them, have failed resolve.

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 2019-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VT

Complaint narrative:
I currently have a mortgage with Specialized Loan Servicing. Recently my city tax bill came in and it was incorrect as there was an error on my XXXX taxes. I was to receive a credit from the State of VT which is sent directly to the City of XXXX  XXXX for our property taxes. Specialized Loan Services ( SLS ) had already paid our XX/XX/XXXX taxes but paid too much. They even sent me a check for {$1500.00} since I apparently an overage in my escrow account. This check was received at the end of XXXX. I started calling on XX/XX/XXXX to 1 ) send them a copy of the NEW tax bill and 2 ), request an escrow analysis be done since my property taxes were now paid thru XX/XX/XXXX. I've called each week since then, have been promised a resolution and call back and nothing. They give me an email address to send my tax bill to and then say it was not received. To speak with a supervisor is to wait another 4-5 days. My last call was on XX/XX/XXXX with XXXX - # XXXX who promised me a call back and never called. All I want to do it pay the CORRECT amount on my mortgage but they are asking me to pay more with erroneous monthly statements. I feel my rights are being violated and I now have payment to the city I live in for my taxes thru next year. Nothing is being resolved and I'm at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX responded to a credit alert from XXXX and responded to dispute this matter from Midland Funding Management for 3,0000 estimate amount She responded through XXXX and their investigation remove them MCM and updated it .Then MCM sued XXXX XXXX through Civil Courts and hoping that XXXX would not show up in court. XXXX Appear and Judgment unfair award to them because Judge would not allow our proof and he focus on the Bill of sale of XXXXXXXX XXXX and MCM which wasnt contacted to XXXX XXXX only the Letter to be sue. Through XXXX contacted them about this matter before being sue the Account by XXXX had delete them off XXXX XXXX record proving possible fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. 

DISCOVER FIN SVCS LLC # XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One erroneously reported that I was 30 days past due in XX/XX/2019 on my account ending in XXXX. In fact, I made two payments on said account during the month of XXXX and they have refused to remove this error. I reached out to them on or around XX/XX/2019 and the representative did not address what I asked them to address. He mentioned that I missed a payment in XXXX and when I proved it to him that the company was in error, it was not corrected on my credit profile on all three bureaus. I am requesting that this error be removed from my credit profile on all three bureaus ( XXXX, XXXX  and XXXX ) as it hinders me from securing credit in the future. I plan to continue my relationship with Capital One moving forward and I am just simply requesting that the error they made be corrected as soon as possible.

Company response to consumer: Closed with explanation