vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-06 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: TX

Complaint narrative:
Hello TransUnion, there is an inquiry on my TransUnion report for a credit union called XXXX XXXX XXXX dated XX/XX/2018 or XX/XX/2018. I did not authorize this credit union to pull my credit, this inquiry is fraudulent. Additionally I am requesting this inquiry be deleted due to being fraudulent. The credit union did not follow the FCRA extended fraud alert either. They never contacted me so they also violated that. Additionally, I noticed there were some soft inquiries from XXXX XXXX, or retail information. I do not do business with this company and this should be blocked as well. There are several soft inquiries I did not authorize. Additionally you have my address listed as XXXX XXXX XXXX XXXX ( Null ) this is incorrect. My correct address is just as listed. XXXX XXXX XXXX XXXX  XXXX XXXX, TX 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 2018-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I already submitted a prior claim on XX/XX/18 regarding the same issue with this company. I revoked ACH and debit authorizations and the company still debited my account. After I submitted my claim the company 's customer relationship manager spoke with me. I explained that I revoked my authorization and she acknowledged they mistakenly debited my account and they credited my account back the following week. I also explained that I am going through severe financial hardship after separating from my husband and raising XXXX small children. She said she would work with me on the account and give me a few months to work things out and then my account was debited AGAIN on XX/XX/18 without my authorization causing me additional financial hardship because my rent is late due to a debit in the amount of {$300.00} that I was not aware of and DID NOT authorize. I now have late fees to pay on top of everything else I am going through. What so I need to do to get this company to stop debiting my account without my authorization?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ECMC GROUP, INC.
State: NC

Complaint narrative:
My student loans was with the XXXX XXXX XXXX. I paid automatically every month through my bank. In XXXX XXXX XXXX XXXX started returning my checks so I checked my account online and it said my balance was XXXX. This month I started receiving debt collection calls about my student loan saying it was in default. This was the first I heard of this, I thought my loan was paid off. I called XXXX XXXX XXXX and they said they transferred my in XXXX. I was never informed by anyone. I called XXXX and they said they received my account on XX/XX/XXXX. I never received any information about this. I spoke with a lady named XXXX at XXXX, she said they mailed a letter to an address ( XXXX XXXX XXXX. ) that I have not lived at for 15 years. The letter was mailed In XX/XX/XXXX and she said it was returned because it was the wrong address. There was no other attempt to contact me. In XX/XX/XXXX ECMC took over my account and again I was never contacted. I spoke with XXXX at ECMC and she said they mailed a letter to the same wrong address ( XXXX XXXX XXXX. ) on XX/XX/XXXX. I never received a letter or any information from ECMC or XXXX. My address has always been current and updated with the United States post office and on my drivers license. Also, XXXX XXXX XXXX XXXX has always had my current address. There is no reason I should not have been informed of my account being transferred to XXXX. Then it was supposedly late with XXXX and then it was in default. I was unaware of all this. My credit has been perfect until XXXX and ECMC failed to notify me that they have an account with me.

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 2018-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express over charges interest on card. 

On the XX/XX/XXXX closing statement, the interest charged for XX/XX/XXXX to XX/XX/XXXX is charged at 21.74 %. The balance noted is {$1000.00} and the charge is {$18.00} Yet, On the XXXX closing statement, the interest charged for the same period at a lesser balance of {$1000.00} IS HIGHER at {$19.00}. 

In other words, they are charging a higher amount of interest for the same time periods when the balance is LESS. 

They are also charging {$2.00} and {$2.00} for the date of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
Ace Cash Express continues to call my business cell phone asking to speak with " Mr. XXXX ''. I have repeatedly told them that this is an incorrect number for " Mr. XXXX ''. I do not know who " Mr. XXXX '' is and I have never personally used the services for Ace Cash Express. I have repeatedly told Ace Cash Express phone representatives that they do not have the correct number and to stop calling me. They continue to do so and the phone reps tell me that there is nothing they can do but put a note in the file. This has been going on for months and months and they will not stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have repeatedly requested and/or demanded that Equifax remove the following two ( 2 )  unauthorized/fraudulent credit inquiries from my credit report >>> 1 ) XXXX XXXX XXXX  XXXX - Date of Inquiries : XX/XX/XXXX & XX/XX/2017 >>> The creditor listed has made the aforementioned unauthorized inquiries onto my credit report. I did not authorize these credit report furnishings. The inquiries listed were provided without my knowledge or consent. They are fraudulent attempts at gaining access to my credit report. I have attempted to contact the credit reporting agency via their online dispute system and via certified mail, and they refuse to remove these fraudulent inquiries. I have added a fraud alert on all three of my credit bureaus, I have followed up and have not received a satisfactory response or any response at all within the time allotted by law in The Fair Credit Reporting Act, 15 U.S.C. 1681, and such an inquiry can have a deleterious effect on my credit score. >>>> All other inquiries have been confirmed to have been duly authorized, including the XXXX XXXX XXXX  XXXX XXXX dated XX/XX/2017 ; and the XXXX  XXXX, XXXX. inquiry dated XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX claims my wife XXXX made a {$60.00} clothing purchase on XX/XX/2018. We have no physical credit card but have had XXXX XXXX credit for nearly two decades. No statements were mailed to us prior to the first week of XX/XX/2018 after I called XXXX XXXX collection department and demanded explanation and a statement. It is worth noting that XXXX search uncovers numerous similar complaints as mine here. This is like a loan shark deal. My wife and I have the highest rated credit and never had issue shopping at XXXX XXXX for over 40 years! The only notification we had of this charge and outstanding bill were the sudden harassing robocalls we received the last couple weeks of XX/XX/XXXX. XXXX XXXX has taken this {$60.00} clothing charge and ballooned it to {$210.00}! They charge {$38.00} plus nearly 20 % interest ( nothing we ever agreed to or were aware of ) or monthly 2/3 the amount of this purchase. XXXX XXXX charges us double the item purchase in a three month period. This is usury and they have only threatened to increase these charges should we decide not to pay up, thus strong arming senior citizens. Calls to their collection department and attempts to be reasonable have failed. XXXX XXXX talks customers out of using their major credit cards to purposely bilk ridiculous monthly late fees and charge interest several times any going rate.

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 2018-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
Company contacted family members numbers I did not provide over the past month. I contacted them today on XXXX-18 spoke wothXXXX the lady she then told me she knew who I was and that she knew I went to school with her daughter and she knew a lot about me per social media. After looking into it. I did know he daughter who I went to school with she had given my name and personal information out to her daughter which was looking and following my social media for information and both mother and daughter was talking about my financial information. This is a branch manager and this should not be tolerated with giving personal information to anyone especially family member of company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: PA

Complaint narrative:
I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX saying i owe to separate collection charges of {$50.00} on XX/XX/2013. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like these 2 derogatory marks off my credit as soon as possible due to the fact they have the wrong person.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
Vompany repeatedly called and left voice mails. The last voice mail was XXXX noises

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 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
I just opened a XXXX XXXX and noticed Derogatory marks from Contract Callers Inc XX/XX/2018 saying I owe them {$77.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like thi off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a previous dispute regarding another creditor, but the other party that is involved in this complaint is Lexis Nexis.The reason I am submitting a new complaint is because it involves a third party. This complaint is part of complaint # XXXX. My complaint is against XXXX  and Lexis Nexis. Lexis Nexis is the third party company who sold my information to XXXX, regarding the dismissed chapter XXXX bankruptcy information, that is reporting on my XXXX report. I would like for you to contact XXXX and Lexis Nexis, and conduct an investigation.If this dismissed chapter XXXX bankruptcy information is not removed from my XXXX  credit file, my next step will be to file a complaint with the Illinois State 's Attorney 's Office, and the XXXX XXXX XXXX against Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: GA

Complaint narrative:
Following a visit to an ER I received collection notices from a company called XXXX XXXXXXXX. I advised them via phone and a mailed written letter that the debt that they allege is mine is not mine. They continued to harass me via phone for several months following my dispute of this debt. I made a point of sending my written dispute within the 30 day period as required under the FCRA legislation. They did not care and proceeded to hit my credit report with a negative report. 

I guess both written and verbal disputes that are received from the public are ignored by Americollect. Please assist me with cleaning up this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has been bullying me for a long time with the VA loan I have. I have had this load for 7 years, in the first few years everything was ok. I was playing {$970.00} for the loan, but out of nowhere in XX/XX/XXXX, with no warning or documentation they raised the load payment to {$1500.00}. It took me 3 months to get someone to tell me what happened. Within those 3 months I was put on hold for hours, hung up on constantly. When I finally got someone on the line they said my taxes went up and they didnt take enough out for the insurance. I had to get a loan mod and had it taken down to {$1200.00} in XX/XX/XXXX. I worked some stuff out with them but here in XX/XX/XXXX when hurricane Harvey came thought and flooded my home Wells Fargo gave me 3 months to not pay anything but at the end of the 3 months what ever I didnt pay in those 3 months I had to pay in full. This hurt me and my credit. Wells Fargo had destroyed my credit. I am far behind in my loan due to the fact that Im trying to catch up with paying the bubble and it just kept adding on. I was never given any documentation at all. I asked many times but all I was given was a person telling me about whats going on. I would like it if they could take off the late payments on my credit so I can refinance my house with someone else.

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 2018-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello i am a client of Capital One XXXX acct # XXXX! ( XXXX XXXX XXXX ) A error was made where money was sent to a XXXX XXXX Acct.which ive been i contact withXXXX about various times to remove from my acct.! It wasnt. XXXX gave me the last 4 numbers of the acct where the money was sent. Ive struggle woth XXXX to find a location working Number to XXXX ( XXXX ). Calling i expressed the mistake and that i sought to retreive my money ( {$120.00} ). I explain that i was only given the last 4 numbers of this acct.. They explain to me they ned the full acct number. Refering me back to XXXX ( XXXX ) XXXX. XXXX would not give me the full acct number. Then refered me back to XXXX! 
Since that time i have exhaust my paitents with both Companies opening a new acct with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX New york XXXX ( Routing # XXXX ) Acct # XXXX hoping to have XXXX transfer my money there ASAP! I had been told by XXXX that all i could do is wait (?! ) until XXXX sends the money back. i have no time to be a ping pong ball between these 2 companies! 
Thank You for you kind attention to my problem! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ny XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/2018 I made a {$5000.00} payment to Citi to my XXXX Card ending. Two days later I received an email for my XXXX  and XXXX XXXX card stating my limits have been reduced ( see attached ). The XXXX card was reduced from {$6000.00} to {$790.00} and XXXX XXXX was reduced from {$5600.00} to {$5100.00}. The reasoning for this was " substantial debt to other creditors ''. Along with the {$5000.00} that was paid to Citi, I also paid {$1500.00} to XXXX Credit Card, {$1500.00} to XXXX XXXX and {$1300.00} to XXXX  XXXX XXXX Credit Card. Also, I had paid off a personal unsecured loan of {$3400.00} and a car loan of {$17000.00}. I recently applied for a home loan which I was pre-approved for. I explained this to Citi in my request for reconsideration and explained the potential costs I could incur from points on my mortgage because of their reduction of my limits. They reviewed and declined my reconsideration request. Also, as you can see in the statement their decision to reduce my XXXX  Card put me over-limit which is extremely damaging to my possibility of getting a home loan as the underwriters will view this as a negative.I have had and continue to have an exceptional payment history with Citi and all of my other creditors.

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 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX XX/XX/2018 saying I owe them {$77.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like thi off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.

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 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX XX/XX/2018 saying I owe them {$77.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like thi off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
My son went to a XXXX on XX/XX/2018. They filed my insurance for the visit and my EOB showed that I owed them {$100.00}. I never got a bill for the visit but tracked it on a spreadsheet like I do all of my bills so that I know when the visit was and how much my insurance company says I owe. I waited and waited for a bill. Finally got bill # 1 with a statement print date of XX/XX/2018 with a due date of XX/XX/2018. There was no urgency to the bill- nothing that noted that this was an attempt to collect an overdue amount or that I was 90 days past due etc. Just looked like a routine 1st bill. I had not had a chance to even write a check or attempt to make a payment when I get a letter from a collection agency dated XX/XX/2018. The letter from Transworld Systems Inc stated that it was a courtesy notice from a debt collector and I had 30 days to dispute the validity of the debt. I called the XXXX phone number about the bill on XX/XX/18. I was told that the bill dated XX/XX/18 was my 4th notice and that 3 others had already been sent. I told her that was not true and there is no way that I missed 3 bills from them. I also asked why this current bill didn't show that I was 90 days past due and that if I didn't pay that it would be handed over to debt collection. There was nothing on the bill to indicate that it was past due or near collection. She said she had no idea why and that her system shows the 4 letters were sent it and it was my problem and very rudely wanted to collect a payment. I told her I would pay her. That I had a Health Savings Account and that I worked for an XXXX XXXX and track all of my bills on a spreadsheet and I had been waiting on this bill. She still continued to stand by the fact that is was my fault and there was nothing that they did wrong.

Company response to consumer: Closed with explanation