vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I don't have dates but for a year this company has been harassing me by calling my employers and calling friends and family members. Last week they called my current boss and told him they were looking for me for a red light camera ticket in XXXX. I've never been to XXXX and since I am a XXXX XXXX my manager was concerned and forwarded me their contact #. I called them back in XX/XX/2019 and they said they were going to serve me and I never received any information. Now recently they are starting to call again. The debt is over 10 years old and doesn't show on my credit. They told me last week they were going to serve me at my job. After speaking to them the debt is from a bank as a payday loan was taking money from a old bank account I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: MD

Complaint narrative:
I'm reaching out as a consumer in possession of a {$100.00} promotional prepaid debit card provided issued by XXXX ( on behalf of XXXX ) and which I understand is serviced or otherwise held by Blackhawk Network. The prepaid debit card was first issued to me in or around XX/XX/XXXX. The card expired, without my having used any of the stored value, in or at the end of XX/XX/XXXX. I sought a replacement card on XX/XX/XXXX, by calling XXXX, the number listed on the back of the card. A customer service representative told me that XXXX would issue a replacement card that would arrive in 6 weeks. I  never received a replacement card. I called again on XX/XX/XXXX, and was told to wait an additional 2 weeks. ( I was provided with a Case number : XXXX. ) I never received a replacement card. I called again on XX/XX/XXXX, and was told that some sort of " delay in processing and delivery '' of promotional prepaid gift cards had occurred in XXXX that was preventing issuance and delivery of the replacement card. The representative advised me to wait another 2 weeks to receive the replacement card. At this point, more than two months after I first requested the replacement card, I doubt that XXXX can or will issue a replacement card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.

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 2020-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
My car was repossessed by Fifth Third Bank in XX/XX/XXXX. I paid the balance of {$1000.00} which was to cover {$270.00} for the repossession fee, {$270.00} in past due payments, {$200.00} for my XXXX installment payment, and {$90.00} in late fees. I paid the bill in cash to my local branch in XXXX, TN. However, I still received a bill for my XXXX installment loan even though this should have been covered by the {$1000.00} I paid on XX/XX/XXXX. After contacting the loan department and being transferred to three different people who said I had been transferred to the wrong department I learned that the {$1000.00} had been applied to my principal only and not to the late fees and repossession fee as was indicated. I asked them to fix the payment to which I was told I had to call back the next day in order to speak with someone from the collections department who could fix this issue. In addition to this issue I still have never gotten an answer from the bank as to why I have a {$310.00} late fee that shows as a Check Loan Bill on XX/XX/XXXX even though at this point I had never missed a payment. I have been to two branch locations, talked with two managers, one bank representative, and countless people on the phone. None of which have been able to tell me why the Check Loan Bill occurs on my account. It is now 19 days since I was originally told someone would look into this issue and give me a call back and I have received no communication whatsoever about the reason this bill occurs on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a permanent credit and a refund check in XX/XX/2019 from Home Depot/Citi ( see attached files ) and the credit was reversed approximately 7 weeks later. Citi is not complying with the Fair Billing Credit Act regarding disputes and timelines. In addition, they are not following their internal processes/procedures as stated on their webpage for disputes and conditional credits ( see attached documentation ).

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 2020-02-19 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: MI

Complaint narrative:
I have submitted my disputes and apparently they were reviewed. However, how its it that Experian 's credit score is VASTLY different than the other 2 credit reporting agencies??? Does Experien feel that it's process it better? I need to know why the score is over 150 points less than both credit agencies when they have the EXACT same information. This appears to be a MAJOR discrepancy.

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 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: John C. Heath, Attorney at Law, PLLC
State: WI

Complaint narrative:
They are sending me threatening emails for a debt I have no knowledge of. 
They say they will contact my employer and have me sacked. 
Contact the IRS regarding this debt. Ruin my credit and so on See the attached emails

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP
State: FL

Complaint narrative:
I made an inquiry about any closure fees of my Key Bank Checking account on XX/XX/XXXX. I asked more than 3 times and was not given any straight answers. Sure enough when I get the check there was a fee. I called on XX/XX/XXXX asking about the fee and they said they will pull the call from XXXX to review it. On XX/XX/XXXX a manager called me back to apologize that the fee was erroneously charged and will mail me a check. Today XX/XX/XXXX the check is still not here. I spent another 30minutes with their INCOMPETENT customer service agents and said they will follow up tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SLM CORPORATION
State: VA

Complaint narrative:
On XX/XX/2020, Sallie Mae called my sister, my parents, and my employer to discuss my past due balance. They left voice mails with all three parties and told them I left their contact information with Sallie Mae. THAT IS ABSOLUTLEY INCORRECT. I never gave Sallie Mae permission to call my sister, my parents, or my employer. Let alone share their cell phone numbers. 
I have reached out to Sallie Mae 's customer service several times and asked them NOT to contact any of these individuals. They are not co-signers on any loans I have. Furthermore, calling my employer has jeopardized my job position as an accountant. 
On XX/XX/2020 my employer informed me he has received calls every day for the past 2 weeks from Sallie Mae. He did not want to tell me initially because he felt it was a personal matter I would solve on my own and also save me from embarrassment. He asked Sallie Mae to stop calling him, however, they did not follow his request and he ultimately had to tell me in hopes they would stop the harassing phone calls. He also informed me it gave him " concern about my future '' when he receives calls from creditors. Extremely embarrassing. 
Sallie Mae calls me several times a day every single day. I can not speak to them each time they call. They called me on the morning of Saturday,XX/XX/XXXX. I informed the representative that I can not afford to make the payment right now, and asked if they can lower the payment. They told me I could pay {$50.00} as a " good faith payment '' to keep my account from defaulting and to prevent them from reporting me to the credit bureaus. I asked if the {$50.00} went towards my loan. They said no it does not. I said that makes no sense and I refuse to just give you {$50.00} of my hard-earned money. The caller asked me if I knew how badly this would destroy my credit? I informed her Sallie Mae has already reported me to the credit bureaus and to stop threatening me. 
The same representative called me again this evening Wednesday, XX/XX/2020 to ask me if I can now make a payment. I informed her nothing has changed in the 4 days since she called me, I did not win the lottery and to have a good evening. I hung up. I understand I have a debit and I am working with a third party to solve this. I conveyed this information to Sallie Mae and asked them to stop calling me and my sphere everyday. Once a week is fine but everyday is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian not only breaks the law-605B FCRA, by not blocking fraudulent information after i meet all my obligations. They have not admitted it directly, but they are accusing me of lying. 
They claim to be able to break the law and harm me irreparably, simply because i removed a credit freeze. Experian is not correct, i have letters from the entities saying they agree with me. Experian did not comply with any of the 3 parts of 605B FCRA- A or B or C.

They did not block any info according to A, they did not notify the entities i requested a block or i filed an ID theft report according to B, and they refused to block info and claim 1 of 3 happened according to section C, instead of specifying which happened as the law requires.

To sum it up they just simply break the law and don't follow any parts of the law even there's the law that says they have to follow all 3 parts. They just disregard the entire law section 605B of the FCRA. That is completely wrong and they need to follow the law.

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 2020-02-19 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 a charge-off reporting on my credit file with Experian. I have disputed the account as it is not mine and can not be verified as such twice, through there online dispute system. Both times they completed their investigation, I was told the account was " verified '' accurate and that it would remain on my credit file. So I decided to dispute via mail this time, I mailed my letter and identify verifying documents XX/XX/2020, and today XX/XX/2020, I received an update via email saying my dispute was resolved and the again the account was found to be verified. In each of my credit dispute letters, I have demanded to be shown an original contract stating that I established the account in question. They have not provided saif information and have not deleted the unverified account.

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 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I am in the process of refinancing the mortgage loan. The mortgage loan officer is not able to pull up a credit report from Experian. My name changed in 2013 and Experian is the only credit union that refuses to change the name. I have filed a dispute with them and called their help desk numbers. They are unable to help and at some point in time they are rude and they cut the call. First in 2013 they refused to change the name saying their system is not allowing them to change my first because it is invalid and this time around they give a reason saying my first name is too short. Understandably Experian doesn't want to give anything in writing I will need this resolved ASAP as I need my mortgage to be processed. Can someone help please?

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 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's Home Plus has been asked repeatedly not to contact me on my personal cell phone # of XXXX and instead use my e-mail address to communicate with me in regards to my account with them which currently is past due, due to financial hardship caused by the Death of my wife. Conn 's agreed to change my due date to the XX/XX/XXXX of every month instead of the XX/XX/XXXX and also defer the 2 months past due payments to the end of the account and no negative credit reporting on my credit file, both of which they have failed to do. Instead they call non-stop and fail to correct their mistakes that they agreed to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have disputed this debt with the credit bureau and they said I owe it which results in the 2017 XXXX  data breach the credit is name LVNV funding acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account.

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 2020-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
From XX/XX/2019 til the present Capital One has been charging me fees and interest for purchases as a cash advance. I have spoken to two supervisors and each has conflicting answers and solutions. My credit limit if {$1400.00} and in that amount there is a cash advance allowed for {$400.00}. If I try to exceed the limit I get a denied transaction. SO I do I end up with a {$1400.00} cash advance on my credit card when I haven't gotten that much. I have purchased items from merchants and these transaction have been converted to cash advances instead of credit card purchase transactions. I was told today by a supervisor that merchants can send in code if they so choose to and change purchases to cash advances and I have to pay as such. No way! A purchase is a purchase and cash advance is a cash advance that is why they have different penalties and fees attached to them. The supervisor said that it was up to me to contact these merchants and tell them to bill correctly. Whaaat. Are you kidding me. I have attempt to do a credit card companies job in merchant regulations on billing criteria. I asked again today please go back and separate my purchases and cash advances, which are obvious on my statements transaction history. They say ATM and the others transactions list stores that I bought actual items from and did not receive money back in those purchases. If get denied for over the limit attempts how in the world was a merchant able to override my cash advance limit upto {$1000.00} over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20 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 a charge-off reporting on my credit file with XXXX. I have disputed the account as it is not mine and can not be verified as such twice, through there online dispute system. Both times they completed their investigation, I was told the account was " verified '' accurate and that it would remain on my credit file. So I decided to dispute via mail this time, I mailed my letter and identify verifying documents XX/XX/2020, and today XX/XX/2020, I received an update via email saying my dispute was resolved and the again the account was found to be verified. In each of my credit dispute letters, I have demanded to be shown an original contract stating that I established the account in question. They have not provided saif information and have not deleted the unverified account.

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 2020-02-20 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: GA

Complaint narrative:
I have a charge-off reporting on my credit file with XXXX. I have disputed the account as it is not mine and can not be verified as such twice, through there online dispute system. Both times they completed their investigation, I was told the account was " verified '' accurate and that it would remain on my credit file. So I decided to dispute via mail this time, I mailed my letter and identify verifying documents XX/XX/2020, and today XX/XX/2020, I received an update via email saying my dispute was resolved and the again the account was found to be verified. In each of my credit dispute letters, I have demanded to be shown an original contract stating that I established the account in question. They have not provided saif information and have not deleted the unverified account.

Company response to consumer: Closed with explanation