vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I contacted Experian in regards to a request to for a full refund after finding that I was charged 2 months of full membership. I informed the representative that I called in to customer care to request cancellation of my 7 day trial. I was unable to speak with a representative after following the prompts to cancel membership. I was intructed to input my social security number and upon doing so, I received a thank you message then soon after the call was disconnected. I was under the impression that I had made a mistake so I called in for a second time to be sure that I completed the request and followed the same prompts and received the same response. I am now being told that in order to cancel a request I would need to speak to a representative, in which, it isnt stated anywhere in the terms and conditions section on their website. No one has addressed the fact that the automated system gives you the option to cancel a membership but apparently the system is faulty. Ive also included a screenshot of my cell phone statement that shows the calls made in to the contact center.

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 monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I Called To Get More Information On A Debt Through XXXX XXXX. I Was Wanting To Pay Off An Account And Get The Information Deleted Off My Report. I Spoke With A Lady Agreeing That This Could Happen. So On XX/XX/XXXX I Paid The Account Off But Now XX/XX/XXXX The Account Is Still Listed On My Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
Received a call on my cell phone today at XXXX am looking for my husband. We have not received any notification of this debt from the collection agency or my rights to dispute the debt. They demanded payment within the first 30 days I would assume since I have received nothing from them. I told them I disputed it and the collector states " ok so you are disputing the debt? '' I answered yes. He said " okay '' and hung up. Since that call I have received 3 more calls as of XXXX about the debt. I asked them to cease and desist from calling my number. They put me on hold, transferred me to someone else. I asked the new person to not call my cell phone again, she asked if I knew XXXX. I said yes and to not contact me again. I explained to her that she had already violated FDCPA and she spoke over me I have no idea what she said she talked so fast and hung up on me. 
I will be hiring an attorney for FDCPA violation for not sending me notice of my rights to dispute and demanding money in the first 30 days of them receiving the file. I will also have attorney file TCPA violation for calling my cell phone repeatly and not ceasing and desisting as I instructed when the cell phone they called is mine and mine alone and is in my name alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This began with XXXXXXXX XXXX, submitting payment in the amount of {$1200.00} to Wells Fargo for payment, which was the incorrect amount that was due, soI had to put a stop payment on the payment, and no other.When I called Wells Fargo and told them to stop payment on the submission, they stopped payment on all submissions from XXXX XXXX   which was incorrect.I did not tell them to do this, and I was not informed, that this would happen.I received an alert from the credit bureau, informing me that my credit score had dropped 100 points, because of late payments to XXXX XXXX, I was shocked in disbelief, because I knew had paid this bill, and was never late.I then called XXXXXXXX XXXX  XXXX for an explanation, and was also told the payments were stopped, I informed them, I never did this, and I would call Wells Fargo.I called Wells Fargo XXXX and was told we put a stop payment on the name of the bank, which means we return all payments, and you never called to have it reversed.I then told this person, that I was not informed, that this would happen, because you never told me about your stop payment policy, of denying all payments, when you mean one, you should have contacted me to verify, now my credit is ruined, because ofwhat you did.I asked Wells Fargo to write a  letter and fax it to XXXX XXXX XXXX explaining the situation, that I did not place a stop payment on all their submissions.I was promised by a customer svc.rep that she would fax it over right away, which was on XX/XX/18, but she lied to me, the bank said they never received any such letter.Then on XXXX, I called back and spoke with a supervisor, and was told we have to investigate this matter, instead of taking care of the matter, in regards to faxing the letter to XXXX XXXX XXXX as promised.These people donot care about their customers.If this matter is not resolved promptly, and my credit score restored, I am going to seek legal counsel, to have it resolved.

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 2018-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
The XXXX XXXX XXXX has been trying to withdraw our money for almost a year without success. They told the manager that I was the only authorized signer. I called and after 2 hours on the phone someone Told me the forms we needed to download from their website. In XXXX of 2017, they said they never received they email. In XXXX of 2017, someone acknowledged receiving them. They needed me to accept some email invitation to set up an online acct to accomplish withdrawal. Over the next 4 weeks, several people said they were going to send it. It was never received at any of the times. 
On XX/XX/XXXX of this year and XXXX, I spent 3 hours  on the phone with a supervisor, XXXX, employee ID XXXX, They didnt have me listed as an authorized signer AGAIN, couldnt find the accounts and then I was told that some servers dont accept their docs. ( Like the 3 different ones I provided ) I was told they have no alternate way to get me the necessary document to withdraw funds. 
So for over a year, theyve paid us about 0 % on {$250000.00}, wont send us statements and they cant help us to withdraw our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I applied for a housing loan and they reported to me that i have a collection letter that i have not paid and causing problem with my application. The lender gave me the number of the XXXX XXXX XXXX XXXX and i called them. They person i was talking to could not give me the details of the debt that i supposedly owe them. I looked into XXXX credit score check and found that on XX/XX/2017 I owed {$290.00} and that XXXX XXXX is the collection agency. I called up XXXX and talked to many departments and said that i do not have any bank accounts with XXXX. So how is it possible that I would owe an amount of {$290.00} from XXXX if i didnt have any accounts in the first place? I disputed it with midland funding but was not sure if they are going to take action on it and its affecting my credit score every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has placed a collection account of {$210.00} on all of my credit bureau files. I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with XXXX   and/or XXXX XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. They sent an itemized statement of services, which may be an HIPAA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have three collection agencies trying to collect on the same debt and reporting on my credit report. Seriously, I thought is was against the law and I was protected as a citizen to keep credit pirates off my credit report. This XXXX I can get a house or car because I have 9 collection debts and three collection agencies showing. IN REALITY I have none. I know it has been a write off and these collection agencies just want money. The have no proof this is my debt. I tried communcating with all of them but no one will delete the duplicate accounts.

HELP!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
XXXX XXXX outsources their services to PHH. In 2017 they paid property taxes after I paid them. Then they billed me {$1000.00} more per month for the delta. I could not and would not pay as it was not my fault. Thanks to the CFPB, PHH resolved the issue after 5 months and countless calls for hours. Case number XXXX My problem now is that PHH is charging my late fees in excess of {$200.00} for something that was delayed due to something that was their fault. I did make my normal payment. They refused to recognize payment and billed late fees. Furthermore, they have tarnished my credit bureau score at the same time. I have left countless messages for XXXX XXXX XXXX My last attempt to do this without CFPB XXXX XXXX agent id XXXX would send the request to remove the late fees to his manager. All future correspondence will be done by USPS mail. As PHH has not once done anything promised, I am forced to submit this plea for help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I have had the same company ( XXXX XXXX XXXX, XXXX ) XXXX ) has created false accounts and reported them to my credit report 3 times, which has had negatively impacted my credit report. I have contacted the agency they would temporarily take it off my credit report and then reopen another account at later date. is there anyway to permanently block this company from adding false claims to my credit report?

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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2018, Wells Fargo ( phone number : XXXX ) contacted my employer.

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 2018-05-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC
State: VA

Complaint narrative:
XX/XX/XXXX, I called to Ditech and stated that my XXXX-year-old Son was killed after being struck head-on by an off-duty police officer who was driving recklessly on the wrong side of the highway. During that time, I was satisfying final expenses ; and requested a payment extension. The Ditech Rep stated that they would forward me the paperwork for the request. 

XX/XX/XXXX, I received a plethora robo phone calls from Ditech requesting payment for XX/XX/XXXX and XX/XX/XXXX payment, ; and with every single phone call, I had to agonize over the pain of explaining to them about the death of my Son. I asked them was it possible to log the information I provided them, in an effort to avoid constantly repeating, my XXXX year old Son was killed in a car XXXX  and Ditech is working on extending the payments. However, to no avail, I had to continue to endure this suffering because no one bothered to take the proper steps necessary to accurately notate the account, and actually read it prior to calling me. 

XX/XX/XXXX, I accessed Ditechs online mortgage payment system to make two separate payments for {$690.00} each, for XXXX ; however, Ditech debited my account twice for {$2600.00} each time, for a total amount of {$5200.00}. I immediately called Ditech to make them aware of this error, and I was told by Ditechs representative that there was nothing that she could do about a Web payment glitch, and I would have to go to my financial institution and have them to perform a stop payment in order to reverse the charges and to get my money back. After the payments were returned to my account, I went to the USPS and purchase two money orders for {$700.00} each, for a total of {$1400.00}, with each {$700.00} money order labeled payment for XX/XX/XXXX and XX/XX/XXXX,  respectively. Within the same month, I purchased another money order for {$700.00} for XX/XX/XXXX payment ; which clear all outstanding payments. 

XX/XX/XXXX thru XX/XX/XXXX, I have purchased money orders for {$700.00} which exceeds what is actually owed each month, and from XX/XX/XXXX to present I have continued to received harassing phone calls and letters of threat to take my home due to an unforeseen tragedy in my life, a glitch in Ditechs online mortgage system, and incompetent and insensitive Ditech employees. 

XXXX, XXXX, and XXXX were the only competent and compassionate employees out of the 50 or more of the Ditech employees that I spoke with that could identify the problem within their system, and could see that payments were being made. Further, I was told not to worry about it, the problem would be resolved, and the Ditech Rep apologized profusely on behalf of Ditech. Unfortunately, noting has changed. I continue to be harassed and threatened with letters of foreclosure for Ditechs mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
On or about XX/XX/XXXX, My concern is Loan issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX through XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. Lacked Consideration refinancing current Loan amount {$3.00}, XXXX ; had original balance {$15000.00}, to lower existing monthly payments and increase the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. The loan rate increases and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. Loan issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: NY

Complaint narrative:
My credit report is stating that I have four ( 4 ) past due payments of more than 30 days. I made an agreement at my own will with your hardship department to pay {$36.00} a month for 60 months ( 5 years ) to satisfy my obligations to your company. My payment was to be deducted automatically from my chase checking account monthly. Please see the attached statement showing the automatic drafts. I was informed my account would be closed and this was the amount due until the end of the agreed upon term. 
Attached you will find sparatic payments of {$36.00} deducted from my checking account. These payments of {$36.00} from XX/XX/XXXX to XX/XX/XXXX which seemed to fall in line with our agreement until I checked my credit report and contacted your company. You will find that the automatic payments are not deducted on a schedule for the same day each month as agreed. Not only are they inconsistent I am being charged interest on the closed account which will accrue, and simple math will not allow {$36.00} to pay the account with increasing interest and late fees. I had contacted your company once prior regarding the statement I received and called to verify our arrangement and was told you are in good standing and the {$36.00} was all that was required. I have attached the documentation requested along with my email message through your website questioning the same issues. 
In reviewing the dates reported 30 days late XXXX was in good standing reporting a payment of {$72.00} which was never paid in a full payment of {$72.00}. I can only assume that there were 2 payments of {$36.00} taken in XXXX and XXXX which totaled {$72.00} which was then applied to the account to satisfy the payment. All other months are reporting late when accordring to my bank statement attached and your companys automatic drafts they were paid as agreed. 
I am requesting a thorough review of my account and reconciliation of this agreement. I am also requesting you justify this with the three credit bureaus as an error on your behalf and the removal of false information as stated by the federal Fair Credit Reporting Agency.

After speaking with 5 people for over 1 and a half hours I was told that this arrangement was not properly explained and that my account was in fact not current. But now it is? what is the truth? Completely misleading and FALSE. The agreement was made and their accounting department never applied my automatic payments that they drafted from my account. After disputing the information they stated that they were reporting accurate information but in fact admitted nobody reviewed the account for accuracy as stated in the letter I received.

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 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: ND

Complaint narrative:
Portfolio Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
XXXX XXXX, XXXX has had callers from Washington State calling everyday I block the number a new numbers keep calling. 

Previous Debt Collector XXXX sold the debt. FROM 2003. It is 15 Years old. 

XXXX hides under the name XXXX XXXX  they have the same address in South Carolina Customers Phone : XXXX Fax : XXXX Borrower 's Authorizations : XXXX Contact by Email Correspondence Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Payment Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Overnight Payment Address XXXX XXXX XXXX Attn : Payment Processing XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, SC XXXX Issue Resolutions Office of the Chief Compliance Officer XXXX Compliance Department XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX So the current loop is XXXX XXXX, XXXX - XXXX - Doing business for XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation