vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Check City Partnership, LLC
State: NV

Complaint narrative:
I wanted to make an additional payment toward my loan to reduce the already high interest in the amount of XXXX dollars and was told by XXXX that I could not make any additional payments below a certain amount on the loan. Check city then took my payment and lowered my first payment and when I looked at the invoice the reciept shows I only paid XXXX toward fees when it should have gone toward principle because it was an additional payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
I called them on XXXX or XXXX or XXXX to ask if the account could be removed an the manager stated that he would in fact get it deleted and I would recieve a email in 3 days in which I did not. The last time I filed an complaint you state you listened to the phone call please listen to the ones from these dates because he stated it would be deleted. Thanks alot

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 2017-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P.
State: GA

Complaint narrative:
I have a debt from this company showing on my credit report that does not belong to me. I was the victim of identity theft.

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 2017-03-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
My name is XXXX and after working with my lender BSI Financial Services for over 3 years to obtain a modification my property was sold at auction on XX/XX/2017 located at XXXX TX, now I am facing eviction and i have no where to go. I am XXXX years old and would like to keep my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bronstein & Weiss Arbitration
State: CA

Complaint narrative:
I received a phone call this morning XXXX XXXX from XXXX Law Office from a person calling himself XXXX XXXX. He claimed that I had a class action suit being filed against me regarding a debt with XXXX XXXX XXXX stating that it was a time sensitive situation on my voicemail. This man called my mom, XXXX sisters, brother in law and his mother ( I do n't even have her phone number ). 
I asked several times for law license number and he refused to give it to me, and I also asked for him to send the claim in writing to the address that he had on file. When I asked to speak to a supervisor he refused and ended the phone call.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Internal Check Systems, LLC
State: FL

Complaint narrative:
This was a payday loan from XXXX and the callI I got yesterday was threatening to have me arrested if I fail to pay {$460.00} by a certain time.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Transcontinental Credit & Collection Corp
State: NY

Complaint narrative:
Sharing of information is the best description but third party about my debt is what I checked cause none of the descriptions was mine. I 'm calling about : I spoke to XXXX on XX/XX/2017 about a hospital bill for my son at XXXX Hospital. I made payment, which I had no problem with. My complaint about XXXX is he asked me about other family member bills under my address. One was for my daughter " an XXXX '' bill and another was for a XXXX " some collection bill he has with that agency ''. I told him I 'm not calling to discuss anyone else 's bills just the account that I 'm calling for. He had no business asking me about someone else 's bill/account at the address that I 'm at. When I asked him why are you asking me about their bills he said because they are listed at the same address. I do believe he just broke some type of privacy law. What if my daughter never wanted me to know she went to the XXXX or that she has bills in collections??!! That was totally unprofessional of him to ask me about someone else 's bills!!!! I called back today to talk to his manager to give a complaint but the receptionist said she could only put me through to him and then he would transfer me to his manager. How am I to know that the person he would be transferring me to is really his manager???!!! And then I thought she was transferring me to a manager after I complained to her and SHE transferred me to him anyway!!! I hung up on him and now I am writing you this complaint. Do n't know what could be done about this but certainly there was a law broken asking me about someone else 's accounts!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Highland Capital
State: CA

Complaint narrative:
A recorded voice from " Northwind Associates '' calls saying that they have exclusive information about a debt " -- -- '' and if you are not " -- -- '' then please hang up. Otherwise they threaten legal action if I do n't call them at XXXX which is only answered by voicemail. This is a scam. I never heard of this company and do n't owe any debt. Please track them down and make them stop!

Company response to consumer: Untimely response
Consumer complaint received 2016-05-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The AAA Company
State: TX

Complaint narrative:
Hi I am a XXXX XXXX person I get a check of XXXX a month I am fully aware I got a personal loan out for medication and I am having trouble paying it back on XXXX/XXXX/2016 I got a letter stating " '' LEGAL ACTION NOTICE '' YOUR ACCOUNT HAS STILL BEEN UNPAID! 
you signed a legal binding contract on a loan that you made with AAA LOANS AND TAX SERVICE. you have received the money and to this date, you have failed to pay. You are past due XXXX. 
IT IS OUR RIGHT TO FILE A LEGAL LAWSUIT AGAINST YOU. YOU WILL BE SUMMONED TO APPEAR IN COURT AND WILL BE ACCESSED ADDITIONAL COURT AND FILLING FEES. you must make a payment or call the office with en 5 days of receiving the letter to avoid legal action.. call our office to work together on bringing it up to date or LEGAL ACTION WILL BE THE NEXT STEP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bookkeeper notified me to an unknown transfer from my WF to a XXXX account I confirmed the $ XXXX transfer was fraudulent I reported this to Wells Fargo but they denied my claim because of a transfer to the same unknown XXXX account in 2013, for {$10.00}, which was obviously also fraudulent

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 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am being harassed to pay a debt that is not mine

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 2017-03-30 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: WA

Complaint narrative:
I had sent a Western Union transfer in the amount of XXXX USD to my own bank account in XXXX. I was promised a rate of XXXX per USD, but only received XXXX. When I log into my Western Union account I still see the XXXX rate for that transfer, but for some unknown reason it shows " Total to receiver XXXX. '' As per that promised rate, it should be XXXX. I contacted Western Union support about this issue and got a response that the transaction had already been delivered to the bank account and thus it ca n't be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Assistance Inc
State: WA

Complaint narrative:
I did n't give permission for this car to be put in my name. I was taken advantage of while having XXXX and being out of my mind on medications and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Ascension Point Recovery Services, LLC
State: CO

Complaint narrative:
This phone number : XXXX keeps calling me since my Dad died in XX/XX/XXXX. There are NO assets. There is NO will. I am not an executor. I am NOT responsible for his debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The original case number was reported in XX/XX/2017, stating that my wife and I are in the middle of Short sale. I would like to report with proper documentation from XXXX that the house was sold on XX/XX/2017. The property address XXXX XXXX XXXX. XXXX GA, XXXX. XXXX XXXX and XXXX XXXX XXXX do not own the house anymore and please see attached documentation that the amount owe needs to be taken off from our credit. This is no longer our debt, we sold the house. See attached closing documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have filed a dispute with XXXX with Trans Union/ XXXX that I have never been late on a payment, I have called 3 times to date to XXXX XXXX and they assure me that I have NO late payments, Yet credit agency states report is accurate. How do I get this off all my reports, I also have XXXX collections and XXXX legal reports that have been paid in full. XXXX paid in Full/ XXXX paid in full/ Legal item XXXX paid in full, and I ca n't get them removed and is showing negative on my reports

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 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL XXXX Todays Date : XXXX/XXXX/XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL, FL 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 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX. changed the DOFD and the amount due. It took me a few weeks to research and find out if someone had used my name to get a new credit card in my name in XX/XX/2015. But I later discovered that it was the change of DOFD, the amount and making the old account appear new or more recent that put me on alert. I would like this inaccurate information removed from my credit file.

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 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom this may concern, I am writing to report that address information on my credit report is entirely incorrect. Specifically, according to TransUnion, I lived at " CEASE DESIST, XXXX, SD XXXX '' from at least XX/XX/2015 to present. ( Please see attached credit report ) Obviously " CEASE DESIST, XXXX, SD XXXX '' is not a valid address and it should be investigated and immediately removed. 

An investigation is required because I wish to know whether it was TransUnion or another financial entity that reported this clearly erroneous information that violated the Federal Fair Credit Reporting Act, consumer protection laws, and state laws. If this is a record inserted by TransUnion I want to know why this record was inserted and what justification TransUnion can provide - be specific as to why TransUnion believed that submitting a know to be false address to my credit report meets the " true and accurate '' requirements of federal law. If another financial institution reported this information, please provide to me the name, address, date, and contact information for the financial institution that reported this information. 

By putting/accepting, and maintaining known to be false information on my credit report, TransUnion and their affiliates have effectively barred me from opening any bank accounts that conduct an address / residence check by comparing consumer provided information to credit report record information. As the CFPB has become aware, locking consumers out of financial products is highly damaging and there is reason to believe that this behavior is widespread effective thousands if not hundreds of thousands of other customers.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion reported a tax lien on my credit report which is incorrect. I will send you documentation showing why. 

XXXX XXXX XXXX XXXX Docket # : XXXX COURTHOUSE XXXX, KY XXXX ( XXXX ) XXXX Date Filed : XX/XX/XXXX Date Updated : XX/XX/XXXX Type : STATE TAX LIEN Responsibility : Individual Debt Plaintiff : STATE OF KENTUCKY Amount : {$33000.00}

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 explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: IMMEDIATE RECOVERY GROUP, INC
State: TN

Complaint narrative:
After successfully completing my adult education and securing a career that allows a salary to begin paying back my school loan debt to the Dept. of Education, I shared a long call with the collection client handling my account with the Dept. of Edu., named Immediate Credit Recovery , Inc. During the call, I was able to secure a monthly payment plan of {$500.00} on the correct amount of debt owed of {$57000.00}. 
On both the government letterhead and the collection company 's letterhead, this is the correct amount shown as due and to be collected. All seemed great, now. I had talked with them, worked out and began paying on the re-payment plan, and was so happy to have the better career and paying back what was borrowed. 
Then, in XX/XX/XXXX, the collection agency sends a new letterhead with an unexplained new amount due, {$68000.00}. No explanations, just quietly changed the amount due to a nearly {$14000.00} extra profit on their part. I called and talked with a person with the collection complaint department for my state, and he carefully explained that unethical collectors will, sometimes, change the amount due. The idea is that since the agreement has been made, most people just stay locked into making their payments and forget about the loan. I saw a XXXX XXXX episode, where he said the same thing. He implored people to save every piece of writing from collection companies and compare for changes. He and the person from the state were right. I was happy n content that I had an agreement and was making payments as planned. But, luckily, I looked at the statement, and without notification or explanation, they added {$16000.00} +/-. 
I have all documentation from the Dept. of Education to show the correct amount due, and from the collection agency, that showed the correct amount then the increased amount, too. All on letterhead from the company. 
I was so proud to have been successfully paying on a target debt amount and watching it go down. Now, such devious behavior that was mentioned on XXXX XXXX show and by the state dept. of consumer affairs has happened to me. I 'm proud to have used my school loans to better my career and to have begun faithfully paying it back. But, such changing of numbers has hurt my encouragement. Just like the XXXX unethical changing of numbers and overcharging, Immediate Credit Recovery has had many complaints filed with other states and agencies, as I learned from talking with them. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Collections U.S.A., L.L.C.
State: WV

Complaint narrative:
Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX XXXX XXXX of XXXX. Services were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX XXXX XXXX XXXX XXXX XXXX was to have filed a claim on my behalf in accordance with MEDICARE procedures. I checked with MEDICARE and was informed that they show no records of any claims in the amount of {$850.00}. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On behalf of my dad XXXX who is XXXX years of age. I am requesting an investigation as to why XXXX accounts were opened in his name in XX/XX/2016. Personal Line of Credit in the amount of {$8200.00}, Personal Loan in the amount of $ 16,000.00and a Credit Card in the amount of {$2000.00}. He does not remember signing documents, he was diagnosed with early signs of XXXX. I remember him receiving several calls from a Wells Fargo representative female caller during the months of XXXX and XX/XX/2016 and messages being left on the answering machine for him to return their calls. He advised that they told him he could earn more money on his accounts. I kept asking him who and what are they trying to sell you and he advised they are trying to help me. Enclosed please find documents to support my request. There were withdrawals when the accounts were opened and he indicated he does not remember receiving the monies. Just recently I learned that several employees were trying to open several accounts during 2016.

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 2017-02-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
They called me at work. Went thru the XXXX Department to get hold of me. I told them that I had asked them to not call me or my husband at our place of work as it could jeopardize our jobs. They continued to try to work something out with me thru threatening remarks. I gave them the phone number of the debt company we are working with to help us. I told them that I could not discuss this with them, that they were to contact this company and they continued to harass me. I finally hung up on them.

Company response to consumer: Closed with explanation