vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 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: MO

Complaint narrative:
Company is falsely showing 20 credit inquiries and Im a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: MO

Complaint narrative:
Company reporting 6 inquiries on my credit report that are not mine and Im the victim 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 2018-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been trying to qualify for the PSLF program. I have worked in the non-profit industry for 12 years, all the while paying back my student loans. I have the correct loan type, the correct employment, have made over 120 payments since XX/XX/2007, and believed to have the correct repayment plan. XXXX thinks otherwise, however. They say I have made 1 correct payment in the past 12 years, but when I ask them to look into my repayment plan they don't provide me with any more information. I have asked for a list of payments, all the info they are working with, but get little to no response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: MD

Complaint narrative:
We ( My sister and I : Sister-On Deed/Not On Loan ) were given a payment arrangement, after the company ( Selene Finance ) stopped accepting our monthly payments. 

The POC ( XXXX XXXX-Point of Contact ) willfully made derogatory reports to my sisters credit bureau and stated that she was on the loan ; which she is not, so consequently she was not able to obtain a loan, which is why we are behind due to Selene 's derogatory reporting. 

This is the second attempt with a " Qualified Written Request '' to work with this company, which both times they did not properly respond. 

Selene Finance is liable for RESPA Violations, Fair Credit Reporting Act ( FCRA ) Violations, that have caused illness and stress to my sister ; which we've submitted doctor reports of them being liable for various damages and violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the debt being reported by XXXX XXXX XXXX XXXX with the company and credit reporting agencies. 

For Collections Account : XXXX XXXX XXXX # XXXX They have not provided proof of debt or any records and have continued to violated FCRA 15 U.S.C 1681

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 2018-05-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the debt being reported by XXXX XXXX XXXX XXXX with the company and credit reporting agencies. 

For Collections Account : XXXX XXXX XXXX # XXXX They have not provided proof of debt or any records and have continued to violated FCRA 15 U.S.C 1681

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 2018-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
Amcol Systems Inc -Medical {$1800.00}, reported XX/XX/2017 Amcol Systems Inc-Medical {$520.00}, reported XX/XX/2017 This is a grossly inflated dollar amount at an Emergency Room/Urgent Care facility, not a hospital that I was charged. I was NEVER able to get a detailed statement of the charges and DID NOT see a doctor. I could NEVER get a true explanation of why the charges were so high.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
In XXXX of 2018 I requested XXXX, Transunion and XXXX to validate the collections that they have reported on my credit report. XXXX, Transunion and XXXX failed to send me any information that the collections belong to me. 

Collections that are being disputed Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: EQUIFAX, INC.
State: MN

Complaint narrative:
In XXXX of 2018 I requested XXXX XXXX  and Equifax to validate the collections that they have reported on my credit report. XXXX XXXX and Equifax failed to send me any information that the collections belong to me. 

Collections that are being disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have communicated with this organization numerous times demanding to see the proof this contract was opened by myself, to which Citibank has responded with a list of purchases, payments, and balance owed, as well as the opening of the said account, all of which I did not perform, written, online, or otherwise. 

I filed a complaint here with CFPB on XX/XX/2018 in this regard, and Citibank replied falsely stating they sent me proof of the account. As I never opened an account with Citibank, nor agreed to any contract with such organization, I owe them nothing except a complaint here on this forum, as well as a possible suit for fraud. 

I demand the debt said to be owed to Citibank by myself be removed as it is not mine, and for an investigation to be started in regards to my sensitive information being stolen by Citibank as it was clearly not authorized by me, and any derogatory information relayed to credit reporting agencies to be removed/redacted as I never opened this contract or account with Citibank.

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 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
capital one credit card was connected to checking acct. until CAPITAL ONE CLOSED BRANCHES.I clearly asked them not to go OVER {$1500.00} on limit, by calling CST CARE. I was fine paying Monthly under {$70.00} and now am getting PAYMENTS of over {$210.00}!! That '' s almost half of my MORTGAGE House payment. I work XXXX hours daily and DO NOT have time to call and wait for assistance on 30 min. Lunch.All I do is by text or EMAILS. I know I OWE the card. But, am single and with no EXTRA help, and feel I should file BANKRUPTCY if Credit card payment is that high! i would like to stay with PAYMENT of {$65.00} as ALWAYS. I don't understand, when I hardly use card, how it went up so high

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I applied for and was approved for the XXXX XXXX XXXX card on XX/XX/XXXX. The terms of my application said that I would receive a bonus of XXXX thank you points if I spent {$4000.00} in the first 3 months which I did. I never received my bonus and when I called XXXX to find out why they told me that the terms say I am not eligible for the bonus if I have opened or closed an account for the same product in the past 24 months. I checked my credit report and the last XXXX XXXX XXXX card that I had in the past was closed in XXXX of XXXX which makes it clear that 24 months had passed and I was eligible for the bonus. XXXX 's response was that since I had been an authorized user of my wife 's card in the past 24 months I was not eligible. I did not own that account, my social security number was never given when my wife made me an authorized user and nowhere in the terms and conditions of my application did it say anything about not being eligible for the bonus if you were an authorized user on somebody else 's card.

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 2018-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I made a transfer via PayPal from my linked bank account to my brother. PayPal advertises that those types of transfers are free. 

I received a notice from PayPal indicating the payment came from my bank account and saying my brother will receive {$2000.00}. 

My brother got a notice from PayPal indicating Money received + {$1900.00}. 

In other words, PayPal misrepresented to me that there was no fee, but PayPal charged the {$58.00} ( 2.915 % ) fee to my brother and delivered only the net proceeds to my brother.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On, XX/XX/XXXX, I was called by a woman from a company called XXXX XXXX saying that she worked out of XXXX XXXX and she was scheduled to serve me a summons the next day between XXXX XXXX but I could call and talk to the company that hired her at XXXX. She said that I should give them File # XXXX and they may be able to submit a stop order so she wouldn't come with the summons. 

Immediately following that conversation I called the number and spoke with a young lady who told me that I was being sued in XXXX XXXX for {$4300.00} by Wells Fargo. She was nice at first but then when I told her I was confused and didn't understand what it was about she got her supervisor on the line who initially was very rude. He claimed his name was XXXX XXXX and her name was XXXX XXXX from XXXX XXXX. He said he didn't understand why I was confused. He threatened and coerced me into providing some form of payment arrangement for a reduced amount of {$1400.00} or they would have to move forward with the lawsuit which would include all the fees totaling {$4300.00}. He said that it had to happen on this call or else. I'm embarrassed to say that I made arrangements because I was scared to death and they would not provide any documentation for the original creditor/debt. They went so far as to tell me even if I tried to call them it was unlikely they speak to me because the debt had been transferred out to their office. They said the bill was from another state and originally from XXXX which didn't make any sense at all. They finally agreed to send me a letter confirming our conversation but told me it would be from a 3rd party that handled all their payments and I shouldn't be concerned. The company name is XXXX XXXX XXXX. I will attach it to this complaint if I'm able to. They ended the call by saying if I had any problems I could call XXXX at XXXX. Since I was suspicious I looked up the number online and found that others have had the same thing happen to them - a fake serve company and 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 explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My wife and I have an account with Capitol One. Recently we are receiving unknown -- caller ID number calls ... XXXX. A recording states to call Capitol One. No names or reason. When called, was told wifes account was late. We said OK, but stop the collection calls. Capitol One refused to stop calls till account is current. These calls start around XXXX XXXX till XXXX XXXX. Weekends and holidays when their office is closed. This harressment will NOT help our finances pay faster, and only adds to our frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX contacted XXXX XXXX XXXX and ask them about various items that they had not received payment for. XXXX XXXX XXXX reported to XXXX falsely that I did not pay items. XXXX has now as of XX/XX/XXXX submitted various items listed on attachment to collections. XXXX XXXXXXXX XXXX continues to ignore my ongoing dispute of my balance back since XX/XX/XXXX and will not make any steps to contact me to address this issue. I have made numerous attempts through consumerfinance.gov address this issue and it is not getting resolved. Now that the account has gone to collections no one should be calling me or sending me Bills. 
XXXX XXXXXXXX XXXX as of today DO NOT CALL MY NUMBER/WORK/FAMILY : DO NOT MAIL Me ANY BILLINGS STATEMINGS. 
XXXX XXXXXXXX XXXX has chose to take my payoff payments and not apply them to my items purchased. 
I am still waiting for my account to be credited appropriately or refunded for the abuse in the handling of my account to date. 
The bank and XXXX have sent my bill to collections. There should be no more HARRASSIVE contacts directly to me, by phone or mail, from bank or XXXX at this point. 

Please contact XXXX if you need an update on the collection status. STOP SENDING BILLING STATEMENTS, for same billing you sent to collection. I am still waiting to have acct balance and acct mis handling addressed and corrected ... ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
HI! 

LAST YEAR BETWEEN XXXX, AND XX/XX/XXXX. SOMEONE CHARGED MY BANK OF AMERICA MASTER CARD FOR {$2000.00}. FROM XXXX, XXXX XXXX? XXXX XXXX, WHAT I WAS TOLD COULD BE A FACTORY OUTSIDE OF XXXX, TX. WAS NOT PAID BACK TO MY CREDIT CARD, AND THE PAPER TRIAL WAS COVERED BY PERPS ON 3 AREAS! MY PERSONAL AFFECTS IS ONE, POST OFFICE? ONE OF THEIR EMPLOYEES, AND CROOKS HERE IN THE AREA THAT THEY SAID WAS A HOT THEFT AREA. DUE TO DEVILS, AND FALSE PROPHETS! MY BALANCE WAS AROUND {$7200.00}. THEN. 


ALSO, I WAS REFUSED CREDIT IN A STORE, XXXX. THEN WHEN I MADE A PAYMENT, IT WAS SENT THROUGH! XXXX MADE NATIONAL NEWS LAST YEAR!

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 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I called Resurgent Capital Services today ( XX/XX/2018 ) at XXXX. I called to request validation of the debt, and was told by the phone representative. That I have to send a request via mail or fax. She refused to take my request. I also asked her not to call my cell phone. She told me that I have to send that request in writing also. I asked to be transferred to her manger. She placed the call in hold, then hung up She tried to collect a debt without stating the MiniMiranda, She refused to validate the debt, she refused to add my cell phone number to her DO NOT CALL list. She was rude and hostile, and hung up on me. I consider her attitude toward me harassing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: USI Solutions Inc.
State: DC

Complaint narrative:
I have gotten several phone calls to my cell phone from a company called " USI Solutions '' calling from number XXXX and XXXX. The people that call say that they are collecting on a debt I have with XXXXXXXX XXXX XXXX  XXXX. I have no such debt that is owed and the representative treated me very rudely and started telling me about payments I allegedly made on this account back in 2009. On XX/XX/XXXX, I answered a call from XXXX from USI Solutions and told the person on the line that I didn't own the debt, and asked them to stop calling me. I used the phrase " cease and desist all contact '' and then asked to speak to a supervisor and repeated my request to " cease and desist all contact ''. Then, today, XX/XX/XXXX, I received a call from USI Solutions ( XXXX ) and I again repeated my request for them to stop calling me and told that I didn't owe the debt. The representative transferred me to several other representatives that taunted me and said that they would continue to call and that only written requests to stop calling would be honored. I requested the company 's mailing address information several times and the representative wouldn't give it to me and instead tried to convince me that I owed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am attempting to link my CapitalOne account with an external application called XXXX. I am receiving a message that states this is unauthorized access. 
I have the right to see my financial accounts and to access them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: ODYSSEY FUNDING LLC
State: MD

Complaint narrative:
Hello, this form is to complain about XXXX Lending located on XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX. My lender at the time XXXX XXXX was the one helping me with my loan. To finally own my rental. He did everything to help me get to closing. I provided everything. But since I am self employed, apparently i needed a CPA to sign off on my Profit and Loss. My tax preparer was not enough. Even though she wrote a letter approving my P & L The branch manager XXXX XXXX took it upon him self to get a CPA that worked in the same building to review my documents on XX/XX/XXXX. I drove over an hour and missed work in order to make it to my appointment at XXXX.That CPA cancelled last minute. So I was stuck waiting in the office to see what else to do. XXXX decided to call his friend he said is a CPA, XXXX XXXX. After sharing sensitive documents to her. She signed off on my Profit and Loss sheet And gave it to XXXX XXXX the non producing manager in the same office. XXXX had me pay out of pocket {$160.00}. At the time XXXX XXXX did not show proof of CPA verification and said she would email it. 2 days went by and we found out XXXX hired an impostor to whom I shared sensitive information. I have been through emotional and financial distress. I've missed 3 closing dates. Because of their lack of honesty, organization, and malpractice. XXXX XXXX owes me {$400.00} total, for the loss of work, gas, lunch, {$160.00} for the fake CPA. I complained to XXXX XXXX XXXX on Friday XX/XX/XXXX after a phone call confrontation I had with XXXX about what he did. XXXX XXXX gave me the owners information. So on XX/XX/XXXX I sent XXXX XXXX XXXX a detailed email about the situation I've been dealing with this since XXXX. He totally ignored it and never reached out to me. No apologies, no updates. Instead he reached to the other manager to clean up the mess. I finally got tired of all the games. And insulting my intelligence. I hired a different lender XXXX XXXX XXXX, has been very kind, and upfront. Very professional. He requested the transfer of my file which I gave permission from XXXX and that never happened. Now that my documents are with my processor. They need more documents from XXXX in order to submit to Under Writer so I can finally go to closing. But they are not complying. And it's frustrating. I wanted to reach to you guys before taking legal actions with my Lawyer. This has been a Malpractice for hiring an impostor to whom I shared private information. I've been financially compromised and misled. I've been through Emotional and finacial distress. They have tried to outwit me. This is not fair. I want things done the legal way. I've done everything in my power to qualify for an FHA loan, which was a success. Please help me do justice.

Company response to consumer: Untimely response