vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.

Complaint narrative:
I have submitted in writing several complaints and request to update my credit report that is inaccurate and yet they have failed to respond and change my credit report. This has now caused me to be denied for a home loan in which I was in the process of being homeless and much more. Equifax specifically has now failed to change my credit report for the last 3 months which is more than 90 days which is past the 45 days allowed for a investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I apply for a credit card with XXXX XXXX, I am instantly rejected due to an invalid Security Alert. Experian reviewed my credit report and said that I had perfect credit scores and that the Security Alert was fraudulent. Experian said they had removed the fraudulent Alert after my first application for a Credit Card with XXXX XXXX, but when I again tried to apply for a credit card it was instantly rejected, presumably for the same reason. How do I get an accurate Credit Report supplied to XXXX XXXX and have my credit restored so that it reflects my correct " perfect '' score of 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 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
On Tuesday XX/XX/XXXX Some credit collector named XXXX called XXXX XXXX - who works for a company I do business with. He called his cell looking for me. He did not say He knows me. He is from XXXX  XXXX.He said if I happened to know you to give you his number. XXXX called me and notified me of these details and also said the deal we were working on was cancelled- costing me {$5000.00}. I will be suing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: ID

Complaint narrative:
My name is XXXX and last XXXX I got a new phone number. The person ( XXXX ) who had this number before me has had numerous debt collectors looking for her, cash loan companies who text and call all day long. I called Cash Net USA and asked to be removed from their list since I am not the one who has/had a loan, and they refused to remove me. 
I get calls all day long and voicemails everyday from them. I want it to stop immediately. Every day I get an 11-20 second voicemail asking me if I want to claim the money I have been approved for. I have blocked the number on my phone and still get 5 calls minimum a day from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I called BP Visa/Synchrony Bank last evening ( XX/XX/XXXX ) to understand why the annual percentage rate for my account is over 29 % when I have never been delinquent on this account. It was explained to me by the front-line Specialist ( XXXX ) and then a Supervisor ( XXXX ) that this rate is the general APR for all customers. I shared that this was not the terms when the account was transferred from the previous issuing bank - it was 12.49 % then ( even though the Specialist told me it was 18.99 % ). Both told me there was nothing that can be done, there is no lower interest rate available unless I need to go on a collections program. I have been paying over $ 300 monthly and barely making a dent in this balance because of the interest rate. On top of that, the balance subject to interest at the 29 % continues to increase even though I don't use the card because they keep adding the accrued monthly interest to that balance. That is unfair, deceptive, and predatory in nature to me. Their response was that they could put me on a list to request a lower APR when/if that becomes available. There is nothing that can be done now. So the consumer is punished for the sale of this portfolio and these are not the terms I agreed to when I opened the 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 2019-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
Im trying to pay off my debt but they continue to play games I ask them to send out the information on my debt but they refuse and continue to call me and harass me by so I block there number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I was contact by way of a bill from the IRS stating that I owed approximately four thousand dollars. I Then contacted via a phone call to inform them that this must be a mistake, and was told that a 1099C form was filed by a company by the name AmeriCredit to which I have not heard of before, my research lead me to GM Financial, I then contacted them by phone to inquire about this account and made it clear that I was unaware of this account existence, I was then told by the GM rep I need to file a fraud report and wait for them to investigate, but never received the documents for their internal investigation. After waiting a month, I then sent my own letter to GM Financial/AmeriCredit, which was received on XX/XX/2019, XXXX XXXX Delivered, Front Desk/Reception/Mail Room XXXX XXXX, TX XXXX. In this letter I informed GM Financial that they had filed a 1099 C with the IRS in error and that they should contact the IRS to resend that the 1099C they filed or provide me with evidence that the information was not filed in error. As I explained to Gm in my written statement, I was on aware of this account and that the following documents, should be provided. A contract with my signature that created this transaction, and agreement made between myself and GM or any of its subsidiary to settle this alleged forgiven debt, payments history of the alleged account, and a copy of the 1099C form that was filed with the IRS.

I am reaching out to the Consumer Financial Protection Bureau because my request for these documents to prove to the IRS whos coming after me for this supposed forgiven debt has gone unanswered by GM financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Diversified Consultants. I requested a validation on XX/XX/2019 as this was an account that had already been paid. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2019 I sent a 2nd validation letter. Credit report was reviewed again on XXXXand still there were no updates to reflect that account was being disputed and no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: TX

Complaint narrative:
Company is reporting incorrect information to the Credit Bureaus. Company is stating that there have been some recent missed payments in which it has not. Company has either sold this debt or refusing to correct this information with the Credit Bureaus. 


The account is more than 6 years old. There are 365 days in a year. THERE HAS NOT BEEN IN RECENT ACTIVITIES MADE ON THIS ACCOUNT. 

The company should not be reporting false information to the Bureaus. I have documentation that will be attached to this compliant showing that this company has reported incorrect information more than one time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
With out notice J.P. Morgan Chase restricted my account by my debit card Tuesday XX/XX/2019. On Thursday XX/XX/2019 I went into A branch after being advised by a customer service representative that my account would actually be closed. I went into the branch to see how I can remove the funds that are in there currently in as well as if my direct deposit from my place of employment would be returned. The bank associate and the customer service representative assured me that the funds would Post but they may take an additional business day. That Saturday I attempted to go inside of a branch yet again to retrieve my funds that actually did post on Friday, XX/XX/2019. Upon looking at my account I realize that the funds have been reversed and no longer were present on my current statement. Ive been called and I was told that it may take two business day stating Tuesday, XX/XX/XXXX would be the date that my funds would be available to withdraw from a bank teller only. Now, Chase is informing me that I will be mailed a check into the three business days to recover the funds that are owed to me and left in my account currently. Unfortunately, This has put me in an additional financial bind do two fees from late rent late car payments, etc. I am not being a short or giving written notice that these things will actually occur so that I have peace of mind in fact Chase has handled my situation grossly I even had a bank teller inform me that my account looks suspicious after giving me a suspicious look myself. Although I know that Chase reserves the right to close my account at any time I do believe that their protocol has been in the past to give notice in the form of a written document. I am not being a shored or giving written notice that these things will actually occur so that I have peace of mind in fact Chase has handled my situation grossly I even had a bank teller inform me that my account looks suspicious after giving me a suspicious look myself. Although I know that Chase reserves the right to close my account at any time I do believe that their protocol has been in the past to give notice in the form of a written document. This situation is truly affecting my livelihood and they dont seem to want to deal with Me professionally. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Navy Federal has placed a block on my account and denied my claim. When I requested resolution or requested that a Detective from the local police department contact them, they refused, stating that the two separate departments, that are handling my claims, are in separate divisions and that I would need to wait until it is resolved. I explained one department denied my claim. They denied my claim based upon false information because the other claim has not been completed as of yet. Nor are we even allowed to send in information. I requested a fax number. I was told they dont need any documentation. This is insanity. Basically the security and the fraud departments within Navy Federal do whatever they wish to do without any regard for the customer. They freeze. They block. They dont allow you access to any money you may have within your account and they purposely block you from seeing any balances or direct deposits and the security department refuses to even speak to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XX/XX/XXXX American Express Accepted over {$12000.00} Funds in my account ( not from me ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Purchase were made on my card in the amount of {$14000.00} with those funds ( which later turned out to be from a field agent scam ). Merchandise purchased and XXXX XXXX and XXXX sent XXXX Funds Deposited turned out to be Fraudulent. American Express did not validate my identity at the time of the deposit. I would have never accepted or spent stolen money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I went to a WellsFargo branch to apoly for a bank account I was a nember 10 years ago and closed my account l, i did was affected by the scam they were doing and today while I was applying for the account the banker ran my credit without previous notice or consent and then denied me an account. I asked why she ran my credit without authorization and she kept explaining that is not a hard hit to it shouldnt affect me that much. But I never authorized them to rub my credit. 
She gave me documantion explaining what she did today but It is still not specified why and how my credit was ran.

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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I got a notification on my credit report that a collection was added to my credit report from Helvey and Associates onXX/XX/2019. I never received a letter about this debt, it just showed up on my report. I sent a debt validation letter to Helvey and Associates on XX/XX/XXXXrequesting validation of this debt. I have not received any response from this company about the debt they claim I owe. 

Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I had a mortgage and a checking account with Bank of America. I paid off my mortgage and I " closed '' my out of state checking accounts in XXXX with XXXX  XXXX  XXXX  XXXX transferring funds to my in state checking by check. I also " closed '' my checking account with Bank of America in XX/XX/XXXX. I received a statement this month, XX/XX/XXXX, that I owe them a {$25.00} service fee. Since I have no money with them and have paid off my mortgage better than two years ago I am wondering what service are they giving me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.

Complaint narrative:
I have submitted in writing several complaints and request to update my credit report that is inaccurate and yet they have failed to respond and change my credit report. This has now caused me to be denied for a home loan in which I was in the process of being homeless and much more. XXXX specifically has now failed to change my credit report for the last 3 months which is more than 90 days which is past the 45 days allowed for a investigation.

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 2019-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I closed my Wells Fargo checking account and then received a refund from XXXX for about {$290.00}. However, the bank never sent me the funds. I went back & forth with XXXXXXXX and they swear they refunded it. I eventually called Wells Fargo and they opened dispute XXXX which was looked into and closed XX/XX/XXXX. But there still has been no refund check. I called them again and they said they found in my favor, but that a partial refund check was being mailed to me along with a letter - but nothing has arrived.

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 2019-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: NC

Complaint narrative:
I called to have my Paypal Card activated Im told that Everyone has an Residential address and a Bank Account and Insurance and you have to show proof of Address like an light bill or you should have an letter from the Government, this is Discriminatory to people who Dont Work, Who Dont have a Bank Account, Who dont have a Home/Residential Address with a Light Bill, Or have went or have an letter from the Government Office. : ; I havent got an Home I live in an extended stay, I dont deal with Any banks that arent meant for the living I havent dealt with any Government Offices to have any mail from them so how do Any living man or woman supposed to get an card activated this is Discrimination against any living man or woman that has or need this card and that living person cant get a card because it was said by the CSR AND SUPERVISOR XXXX everyone has an Residential Address and thats not true all all ... This is an class action law suite Paypal is Very Bias against living people who are Homeless with an Residential Address, Living People who dont have an Home, Living People who dont have Bank Accounts that are meant for Legal Entities, not living People, for living People who dont have or get Paychecks but Who Do Have An SSN & ID with the Legal Entities name listed on the Government Issued ID of the living man or woman is without any of your Documents that Paypal is asking for and its not giving to them Because under the Corporations Laws its what is Demanded from you if you dont have an HOME your Denied to have an PER-PAID PAYPAL MASTERCARD ACTIVATED

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