vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
XX/XX/2019- The debt agency has been reaching out to my contacts multiple times a day, being really disrespectful, yelling at them and leaving mean messages. 
XX/XX/2019- i contacted the agency, questioned why was i never contacted directly, but instead reaching out to my references first. My references have advised me of the contact, i contact the agency directly. And the rep by the name of XXXX was super rude and threatening to file a law suit and even send " documents '' to my place of employment. 
XX/XX/2019- the repeated calls still continued early mornings to my references. I contacted the agency, and she basically advised me that she has no control of how many times this " third party company '' can stop calling. She refused to send me a attempt to collect a debt letter or anything in writing for that matter. And also refused to tell me who is this agency that keeps reaching out to my references multiple times a day. She told me that IF and when i did recieve documents that it would be too late for me to settle my debt. That at that time i would have to settle in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance that I should not have. I have paid off this debt and there should be no balance reporting to my credit report. This is inaccurate and effecting me negatively and I would like the account to be removed.

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 2019-11-21 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance that I should not have. I have paid off this debt and there should be no balance reporting to my credit report. This is inaccurate and effecting me negatively and I would like the account to be removed.

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 2019-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Several days ago, I applied for a credit card with XXXX XXXX XXXX. They requested a credit check from Trans Union. Trans Union advised XXXX XXXX XXXX that credit reporting on my account was frozen ( at my request ). I immediately contacted Trans  Union and asked them to temporarily remove the credit report freeze. The computer screen informed me that this was done. A day later, I checked, and the credit freeze was still in place. I called Trans Union on XX/XX/19 and requested that the freeze be removed. The representative indicated that since my request came after business hours, I needed to call the " Special Handling Dept '' the following day. On XX/XX/19, I called the " Special Handling Dept '' and asked for their assistance to remove the credit freeze. Unfortunately, the " Special Handling Dept '' said that they could do nothing for me and suggested that I call the " Consumer Resolution Team ''. But when I asked to be transferred to this " Team '', I was informed by XXXX that they don't take calls, and that I can only leave my name and personal information as well as a time when they can call me back. I'm now waiting for that callback. 
My question is : Why does a consumer have to go through several days of " run around '' with Trans Union when they specifically mention that if one puts a " Credit Freeze '' on an account it can just as simply be removed ( permanently and temporarily ). If so, why am I being made to jump through hoops? Is it because I had reported Trans Union on an unrelated problem concerning unauthorized charges on services that they were charging me for and which I did not need? Why am I being " Black Listed ''?

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 2019-11-21 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: CORELOGIC INC
State: TX

Complaint narrative:
1. There is a hard inquiry on my credit from a company named " Corelogic ' on XX/XX/XXXX, 2. There is a hard inquiry on my credit from a company named " XXXX XXXX ' on XX/XX/2019 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 2019-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/2019 I placed an order for some jeans. I have only received a tote bag in my package. My jeans were missing. My financial institution needs to issue a chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
I went to see XXXX  XXXX on XXXX XX/XX/2019. I was sent a bill without the description of services or being itemized. I asked several times for and itemized bill and never received one. I received a final bill, ( still not itemized ) on XXXX XX/XX/2019, I called and asked for an itemized bill and was told they would send it if I paid the bill. I paid the bill over the phone with the billing department, and received a receipt in my email. I fund out today that there is a company called Franklin Collection Services,XXXX  XXXX XXXX XXXX , XXXX , MS XXXX, that is reporting that they are trying to collect for the bill to all three of the Credit Reporting Agencies. I called Franklin Collection Agency, they took my information, including my Social Security Number, and they said that they couldn't speak to me about the collection of this debt and that I needed an attorney. They said that they could only speak to XXXX XXXX  the Doctors firms name. I offered the receipts and they said that I could have my attorney submit them in court. I called XXXX XXXX back and they said that they couldn't do that because they didn't have any amount to be collected. I believe they took my personal information for fraudulent reasons! I am not sure what their scam is yet, but expect calls from them in the future!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First # XXXX is reporting a balance of {$420.00} that I should not have. I have paid off this debt and there should be no balance reporting to my credit report. This is inaccurate and effecting me negatively and I would like the account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance of {$420.00} that I should not have. I have paid off this debt and there should be no balance reporting to my credit report. This is inaccurate and effecting me negatively and I would like the account to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a balance of {$420.00} that I should not have. I have paid off this debt and there should be no balance reporting to my credit report. This is inaccurate and effecting me negatively and I would like the account to be removed.

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 2019-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Richmond, Inc.
State: FL

Complaint narrative:
RADIOLOGY AND XXXX  XXXX  HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE. 

DELETE AND REMOVE. DO NOT SELL, TRANSFER, SELL OR RE-REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE. 

DELETE AND REMOVE. DO NOT SELL, TRANSFER, SELL OR RE-REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: CO

Complaint narrative:
I have accounts on my credit report that asked to be removed from my account. I sent 1st letter they verified it. I sent second letter and they verified again. I know they are lying .. So how could they verifying with my accounts being froze. Also there are 2 collection agencys collecting a Dept but both agency 's are using the same account #. It's is again code for 2 collector to collect a the same Dept. They are in violation of sec 609 of my credit report and many more. I have documentation of ever step I took and response.

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 2019-11-21 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Hello XXXX XXXX, I believe that TD Bank / Card Services discriminates against minority customers and provides false information regarding denial of services. I cancelled my credit card with them today, XX/XX/19, because I was falsely denied my request for a credit line increase. Their excuse was my credit report from XXXX  showed " multiple delinquent accounts '' however, when I logged into my XXXX  account there were no such delinquencies. Neither were there any delinquencies in my XXXX  or XXXX   reports. I spoke to supervisors in TD Customer Service and XXXX in TD Credit Services who both contradicted one another. I then contacted XXXX and spoke to their fraud department who confirmed that are no such delinquencies in my credit report and could not explain how TD Card Services came to their decision. 

This is actually the second time, I've been denied a credit line increase by TD Card Services. I was denied XX/XX/2019 because my account had apparently not been opened long enough and I was told I could reapply after XX/XX/2019. Not only has my credit score gone up since my initial request for a credit line increase but I actually was approved and received an XXXX XXXX credit card with a higher credit line at the end of XX/XX/2019. This is the 3rd time that TD Card Services have engaged in improper business practices. They initially ruled in favor of a merchant in regards to a transaction dispute and didn't notify me of their decision. TD then reversed their decision 2 days after I paid the remaining balance and again, did not notify me of THAT decision until after I called to inquire why I had a {$900.00} balance. Then when I requested the balance be returned to me, they did not do so until nearly 2 1/2 weeks later and after I made numerous inquiries as to when they mailed that payment out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Army and Air Force Exchange Service
State: IN

Complaint narrative:
Army Exchange PX allowed my son who I have full Guardianship of get an Military Exchange PX Card. Now the bill is XXXX and they want the full amount right now! I told them and faxed to them a copy of the Guardianship that states my son is not countable for any accounts, credit cards, etc. Nor will I be held responsible either. My son got this card couple months right after I got the Guardianship. Army Exchange PX Military Star Card needs to take this off his credit reports and stop all form of contacting and threatening measures right now!!!!!

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 2019-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019, 60 days late as of XX/XX/2019 and 90 days late as of XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO

Complaint narrative:
My name is XXXX XXXX I bought a car from carhop XXXX  XXXX XXXX the XXXX XXXX XXXX value is XXXX but they charging me XXXX I've had problems with the car the first week of purchase the throttle body that was supposed to be repaired but never was the car drove the same now the car is completely broke down I had it towed to their mechanic once again I don't have money to pay for buses, lyfts, tows and still pay a car note I've put XXXX into this car for car payments I explained this to car hop they're threatening to garnish my wages and income taxes I use my car to make money I can't pay them if I'm not making money they sold me an overpriced car it should at least be running correctly they have put me in a jam/ burden as it is now their trying to distroy my life because their selling overpriced lemons please help I'm struggling because my car being down I don't need garnishments on top of that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax and XXXX  throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I was supposed to be buying an XXXX XXXX from this young woman on the XXXX XXXX XXXX. She explained that I had to send the money before she sent the phone. The phone cost {$200.00}. After she got the money, she blocked me on everything and basically scammed me. Ive literally sent CASH APP over 50 messages about getting a refund and I havent gotten a respond. Theyre supposed to take up to 24hrs to respond, its been 72hrs and I am fed up!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Bass & Associates, P.C., Attorneys at Law
State: AL

Complaint narrative:
My loan was originally provided through a company named XXXX ( XXXX XXXX XXXX XXXX ). I approximately began getting garnished back in 2018, at that time I received a letter from a separate company than whom is now receiving the funds. There was a period of time when I was being garnished at a different rate and it stopped without notice and began back at a different interest rate/amount bi-weekly seemed to be based off of my Gross Amount earned. I have been contacted by the company Bass & Associates who has not provided me with any information concerning the Loan, and will not share terms of the loan, including a current balance owed. At the time I reached out to XXXX   the Representative insisted that I set-up an account unknowingly of the terms or circumstances that I would be subjecting myself into, after already knowing I have paid approximately {$7000.00}. At some point in conversation I was told that I had a 0 % interest rate with a balance of {$5000.00} with no proof of statement or explanation of terms. The Customer Service included no empathy for the simple fact of speaking to an individual about what is supposed to be my information yet, I have no insight on what I am being demanded to engage in and agree to, also my income is being decreased significantly and it is out of my control. I am not saying and putting up an argument that it is not due, my argument is that I have been paying into this loan and actually have no idea where the funds are being paid to and with no information, a balance or know the terms. According to my Credit Report this debt is showing as Closed and over a course of the years the interest rate continue to increase. I am requesting help in Customer Service and equal opportunity from this company of knowing my obligations to be able to not let this affect me in ways of financial and health related stress. I look forward to getting this process reviewed and initiated with an update of the progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 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: FL

Complaint narrative:
on XX/XX/2019 a dispute was made with EQUIFAX, XXXX and XXXX  in regards the fraudulent accounts on my credit report. proof of identity theft was delivered byway of police report Number XXXX police report attached. 

i require and wish all fraudulent accounts be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo Mortgage account XXXX XXXX and XXXX XXXX My wife and Ipaid off our mortgage loan, initially they had charged and refund a sewer tax for XXXX that Wells Fargo actually never made a payment. When asking for the payoff amount I explained this and was told they opened a case. This took place in XXXX after not hearing again I paid the amount due as they requested. I figured they would add it to the amount refunded to me. Well 5 phone calls later and a person who actually looked into it finally apologized that I needed to go through this. On XX/XX/XXXX @ XXXX XXXX said it would take 3-7 days to receive the amount. So on XX/XX/XXXX, I wired the amount they requested and Wells Fargo received it before days end and showed paid off. Today I am still waiting for my refund that they said was refunded on XX/XX/XXXX. 

I called again today and spoke to XXXX, also a pleasant person very apologetic. He said wait till Tuesday XX/XX/XXXX, they mailed it regular mail. I was told not to mail it regular mail did what I was informed to do and have to wait till maybe XX/XX/XXXX for my money owed me. This is XXXX week so when do I finally get my money if I don't receive it by XX/XX/XXXX? 

I hope there is some rule or law about someone have to wait all this time to get their money back ... Why does a bank require their money on their date or you pay a late charge, but they can take their time refunding?

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 2019-11-21 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax sent my free credit report to wrong address after I verified my correct address with them. They are trying to charge me {$7.00} to resend it. I have been a victim of identity theft and this is unacceptable because I need to dispute inaccuracies off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

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