vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
OnXX/XX/XXXX, I made two online transfers from my Bank of America account to XXXX XXXX at mobile number XXXX, each for {$100.00}. She did not receive either transfer so I wrote her a check for {$200.00}. Later I determined that Bank of America had debited {$200.00} from my account for the two online transfers. After considerable hassle getting to the " right department '' I finally spoke with someone in the " move money '' department. They said they would research the transaction and if it was sent to the wrong account I would receive a credit and if it was sent to an account associated with the mobile number I provided Bank of America they would have the receiving bank reach out to the owner of the account to if the money was sent to them in error ( and then credit my account ).
No one got back with me. I called again XXXX XXXX and was told that Bank of America 's records showed both transfers were made to an account at " XXXX XXXX '' but when they contacted XXXX XXXX that bank had no record of the transaction. Bank of America told me they would do further research and get back with me. They did not. I did some internet research and did not find an " XXXX XXXX ''.
I called again on XX/XX/XXXX. I was told they had determined that they would not give me a credit, nor could they give me the name of the bank ( even though they had already told me the name onXX/XX/XXXX ) and could not give me the name of the account owner. I let them know I had already been informed that the receiving bank did n't have a record of the transaction. They said they would be able to send me the documents that they relied upon in making the transaction. They also said that a supervisor would call. They did not send any documents and a supervisor did not call.
I called again on XX/XX/XXXX and they still would not credit my account and the story this time was that there are no documents showing what account they made the transaction to. But even though they ca n't prove that the transaction was made, or to whom it was made, they will not make a credit.
My case number with Bank of America is XXXX.
Thank you for your assistance.

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 2017-11-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Williams & Fudge, Inc
State: NH

Complaint narrative:
Debt Collector: Williams & Fudge, Inc. 
Name of person: XXXX XXXX - XXXX

I have been called 8 times in the past 4 days by this company, and they have contacted my mother several times as well. My mother was not a cosigner on this loan, and they should not have her contact information. These loans need to be rolled into the rest of my consolidated federal student loans so that I may fairly pay them off. It is relatively low balance and does not merit this type of aggressive harassment and collection. My current monthly consolidated payment is $XXXX due to a low income, so I should not be harassed for this amount. I have been given no options for monthly repayment, and instead me and my family are getting harassed. I am happy to figure out a low payment plan, but this is getting out of hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northland Group Inc
State: MI

Complaint narrative:
Repeated abusive harassing phone calls. I called to settle a debt and was to pay, they changed the amount to a higher amount when I went to pay the next day as scheduled. I called back again and they harassed me. I asked to settle again. I had a XXXX the next day and have been in and out of the hospital, and they will not stop calling and harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I saw a derogatory mark on my credit report that did no belong to me. I called the creditor ALDOUS & Associates PLLC and I told them that was NOT my debt and they basically told me I owed XXXX $ that I did not pay this " XXXX XXXX '' company and now I have to pay them or else they will not remove me from their debt collection. I contacted XXXX and they found an account that someone opened under my name in XXXX and they stopped paying it in XXXX. The only thing they had was my name. The social security number did NOT match mine. The agent at XXXX said that since it had been so many years since the account had been dormant, there was nothing he could do about removing it. I do n't understand how something that is said to be my debt is n't even associated with my social security number, yet it appeared on my credit report. I have already disputed this with my credit bureau, and they have removed it but I want ALDOUS & Associates PLLC to remove me from their records because I do not owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MCMC Auto LTD
State: TX

Complaint narrative:
I have advised Mike Carlson Motor company to cease all communication with me. I asked to not be contacted via phone or email. I received 3 emails on three different days after being told to do not contact me. I have been in contact with the company by me dialing in. I have made them aware I 've been in the hospital and XXXX XXXX XXXX. This company is using scare tactics, false statements and practices on its customers. I have spoken to countless managers and also spoke with the general manager or asst general manager about my complaints and concerns with this company. This is an ongoint issue and is now harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called XXXX Transunion, and XXXX and told them that the inquiries on my report was not known or authorize. They said that they can not be removed because they are verified. They could not tell me how they verify the inquiries. I also did the online dispute.

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 2017-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Google Compare Credit Cards Inc.
State: CT

Complaint narrative:
I am unable to remove a stored XXXX credit card that I had on file with Google Payments Corp. for 2 cancelled subscriptions. Additionally, I am unable to close my Google Payments Profile. All Google 's website links are circular taking me back to the same location indicating I can not close my payments profile or remove my credit card. I cancelled my subscriptions to XXXX XXXX and XXXX XXXX on XXXX XXXX 2017. I have tried for 3 days to call and email Google Payments with no results. Google Payments Corp. is licensed as a Money Transmitter in my state of Connecticut. Representatives from XXXX XXXX XXXX, XXXX XXXX and Google Payments told me that I must maintain a credit card on file even if I am no longer subscribing to any paid services, that I can not remove my XXXX  until I replace it with another card, and to purchase a prepaid card. Additionally, my XXXX XXXX subscription was a " free trial '' subscription and the XXXX XXXX rep indicated due to " audit & compliance '' they must maintain my credit card on file but that it is encrypted and in cold storage. The screen prints below do not appear to support his assertion.This is unacceptable. Thank you.

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 2017-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my XXXX Account : XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXXThe Following was not authorized on my Equifax or XXXX account.
XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my XXXX Account : XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX The Following was not authorized on my XXXX or Experian account. XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2017-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: DYNAMIC RECOVERY SERVICES, INC.
State: CA

Complaint narrative:
XXXX/XXXX/17 A female operator contacted me from Dynamic Recovery claiming I owed a debt of {$690.00}. She asked for my social security number, which I would not give her. She then went on to explain about the debt and what company it was from. I told her I did n't have the funds at the moment and she went on about paying it off in the future. So when I told her I need to confer with my partner, she got belligerent and loud on the phone being disrespectful. Even though she said " with all due respect '', she was raising her voice with me about paying the debt and would not listen to what I had to say.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: IL

Complaint narrative:
Had 2 accounts with US Bank. Both earned XXXX rewards. Prior to closing 1 account, checked rewards balance. The XXXX rewards were shared between both accounts. Both accounts showed the exact same amount - XXXX. So that all rewards would be intact if closed 1 account.
XX/XX/XXXX Closed 1 account. No mention was made about existing rewards becoming null and void.
XX/XX/XXXX - tried to redeem rewards in XXXX  account. Now rewards are split between closed account and open account. Closed XXXX Gold account shows balance of XXXX points. Not able to redeem or transfer.
They separated out rewards earned from closed card instead of leaving them in a combined account. Called US Bank to ask if these points could be transferred to my existing - still open account. Was told no and that I was advised they would be XXXX out on closing card.
Had conversation on closing card ( XX/XX/XXXX ) on speaker phone with wife listening in. No mention was made of the XXXX points being nulled. I certainly would have transferred them or redeemed them first. As this is worth {$320.00}.

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 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I lost my job in XX/XX/XXXX. I was going thru a separation, but managed to make my full payments until about XX/XX/XXXX. I worked with Wells Fargo and got a forbearance and made my payments on time for a year when the forbearance was up. At that time some of my circumstances had changed, so I worked with Wells Fargo again to try to enter into a modification.
The separation from my husband is critical because though he had n't lived in the house since XX/XX/XXXX, his income, as well as his rent were still being considered as part of the " family income ''. When I tried to modify the loan in XX/XX/XXXX, he became unemployed. Wells Fargo determined circumstances had n't changed enough to enter modification.
I continued to talk to Wells Fargo throughout the summer. I let them know in XX/XX/XXXX that I had received a full time job offer, and I also had a renter and a rental agreement. Wells Fargo advised me that my separated husband and his income, and rent would still be considered. They advised me that I needed a quit claim deed.
So, for the past 2 months, I have been sending Wells Fargo document after document.
They have : An offer letter from my employer ; 1 months worth of check stubs from my full time job ( XXXX/year ), XXXX work ( XXXXyear ), rent received ( XXXX year ) child support ( XXXXyear ) ; Rental agreement ; Separation agreement with the amount of child support ( court sealed ) quit claim deed putting the house in my name ( court sealed ) Partial Property settlement awarding me the house, signed by my husband and me, as well as notarized. ( Not court sealed as it is not required to be by MD law. ) 2 pieces of documentation proving residence of the renter.
The one sticking point is that the partial property settlement is not court sealed.
We are proceeding with the divorce, it should be uncontested.

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 2017-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
I have had a significant reduction in income since retirement inXX/XX/XXXX. I incurred debt while living in Maryland, before retiring, I arranged to repay {$230.00} until paid off. However, I have been informed that Social Security has canceled XX/XX/XXXX's payment and will revisit benefits for XX/XX/XXXX to determine if they should cancel XX/XX/XXXX's Social Security check because of cap on employment for XX/XX/XXXX.
Because of this huge reduction in income for XX/XX/XXXX and possibly XX/XX/XXXX, onXX/XX/XXXX, I contacted CashNetUSA via email ( collections department ) for assistance in either suspending payment of {$230.00} or reducing/recalculating payments thru the end of the year that occurs on the XXXX of each month. Original balance was {$1600.00}. Balance is {$360.00}.
CashNet is refusing to work with me, stating they can not recalculate/suspend/or rework payback period. I then told them that if they attempted to take XX/XX/XXXX 's payment, it would cause an NSF in my account, increasing my debt and causing further hardship.
Their final reply was : ( taken directly from email they sent me ) " We understand your situation and have noted your account.
We are unable to change, cancel, or alter any mutual payment arrangements or scheduled payment that has been established for your balance. If you are expecting the scheduled payment to return for insufficient funds, please contact us back as soon as possible to set up arrangements for the returning payment. '' I have saved all documented email conversations to CashNetUSA 's Collections Department.
I do n't think CashNet is handing my hardship situation in an equitable or fair manner.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Repeated abusive harassing phone calls. I called to settle a debt and was to pay, they changed the amount to a higher amount when I went to pay the next day as scheduled. I called back again and they harassed me. I asked to settle again. I had a XXXX the next day and have been in and out of the hospital, and they will not stop calling and harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc.
State: TX

Complaint narrative:
CRA VIOLATION NAMES ALL WRONG MUST REPORT 100 ACCURATE AND INACCURATE INFORMATION MUST BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called XXXX, XXXX, and Experian and told them that the inquiries on my report was not known or authorize. They said that they can not be removed because they are verified. They could not tell me how they verify the inquiries. I also did the online dispute.

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 2017-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX/XXXX/17 A female operator contacted me from XXXX XXXX claiming I owed a debt of {$690.00}. She asked for my social security number, which I would not give her. She then went on to explain about the debt and what company it was from. I told her I did n't have the funds at the moment and she went on about paying it off in the future. So when I told her I need to confer with my partner, she got belligerent and loud on the phone being disrespectful. Even though she said " with all due respect '', she was raising her voice with me about paying the debt and would not listen to what I had to say.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Please read Equifax has some kinda of block on my credit file. 

I can sign in to equifax trustedID however my credit report does not display and I can not lock my credit file. when i call the customer service number I am told I do not have a credit file. 

Trusted ID worked for me only on 1 day XXXX/XXXX/2017 and one day only. 

After that equifax placed some kinda of block preventing my credit report from displaying. 

I can not lock my credit file thru trusted id. I get an error. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX and I 've been receiving notification of my credit report about inquiries. I did not apply for these accounts or business, I 've contacted both parties and they do n't help. I 'm trying to fix my credit and with this isssue it will be a disaster if this keeps going on. I only have one credit card and no loans or anything else. I have a XXXX XXXX XXXX XXXX Credit Card and nothing else. No need more.. Please help me. I do n't need no more credit. I think I 'm an Suspect Victim of Identity Theft. 

I would like my persoanl information updated as well, because my mother has the same name and I believe her information has been mixed up with my information. 

My personal information shoule be as listed below : Name : XXXX XXXX XXXX Address:XXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Employer : XXXX 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
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc.
State: CT

Complaint narrative:
I have been receiving a bill from XXXX medical center for over a year now for case # XXXX in the amount of {$480.00}, I was covered by XXXX XXXX which is a XXXX program in the state of Connecticut who provides insurance coverage, now I recently received a bill from CBCS collections agency for that amount which I should have not received. I spoke with a gentleman in the billing department at XXXX Hospital and advise him they need to be contact the collections agency and bill Connecticut XXXX.

Company response to consumer: Closed with non-monetary relief