vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been disputing a account on my credit report from XXXX with Experian Credit Reporting Agency. XX/XX/XXXX XXXX i sent a letter to Experian Credit Reporting Agency certified and XXXX certified mail disputing this account as not mine. I asked for validation of this account to include the original contract with my signature and identification and address. This account is reporting negative with a XXXX balance. How can a account report negative with a XXXX balance? .They are still reporting the account to my credit report as accurate which is a violation Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Once your letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. I want this account removed from my credit report for failure to to properly send validation of this debt.

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 2018-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Direct Recovery Services, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX this company contacted multiple friends and acquaintances leaving messages implying I had a matter that required counsel and would be reflected on my record. After contacting the company on XX/XX/XXXX and telling them not to contact anyone in reference to my self or my wife they continued with the threatening robot calls to everyone. To this date this company has not sent a single letter or contacted us directly. They are calling friends and acquaintances that we have no idea how they associated us with along with other family members. When the rep came on the phone she stated this was in reference to a bank account in Arizona we closed over 6 years ago in good standing. She then made threats to proceed with further action if we failed to pay right away. When I told her to please proceed she threatened to have us sued or charged criminally for a debt she has yet to validate of XXXX for a bank we have not used in years and is not reported on our credit report. As I asked her for information to send correspondence she hung up the phone for the second time. We called back and were repeatedly hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I would like to address this to XXXX XXXX - the bank currently in charge of the XXXX XXXX store credit card. To date, in XX/XX/XXXX alone I have been charged {$54.00} in late fees and {$10.00} in interest. To explain, I set up this account in XX/XX/XXXX and was making monthly payments. Then I set up automatic payments through my XXXX Checking account. This was an option available on the XXXX XXXX website. I have used automatic payments for my XXXX XXXX in the past and my XXXX Checking account successfully. However, when connected with XXXX XXXX somehow my payments failed to go through and a late fee was automatically charged. A reminder to pay my account was sent only after a late fee had been charged. Then, on XX/XX/XXXX they contacted my father regarding these payments, giving him authorization to my personal financial information. ( Something I do not have an issue with ) However, what I did find an issue with is when he attempted to a ) make any payment toward the account or b ) pay the account balance entirely and close the account he was not given authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was talking to this person about transferring money to my account, a person I didn't really know. On XX/XX/XXXX the money was being processed ( {$990.00} ), it took 5 extra days for it to transfer to my account which was on XX/XX/XXXX. The person I was talking to then told me to wire the XXXX  dollars through XXXX to one of her " clients '' and that it had to be done today no matter what. After the money was wired through XXXX  I was expecting another transfer but around XX/XX/XXXX the same person opened a XXXX XXXX account under my name and told the XXXX banker that it was fraud so the money the person sent the XX/XX/XXXX got taken away from my account along with all the money I made then after that close the account in XXXX XXXX and never contacted me again

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 2018-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
THE AUTO WAS REPOSSED ABOUT 8 YEARS AGO, STILL IN MY CREDIT REPORT. THEY REFUSE TO TAKE ACTIONS AND REMOVE THIS FROM MY CREDIT HISTORY.

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 2018-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
The company called me at work asking for resolution. Obviously I am not in a position to do so or I would not be in collections. I explained my circumstances and today see they had attached additional fees. I cant help anyone in my debt situation unless they are willing to work with me. My husband passed unexpectedly and I am inundated, Im doing my best, would they rather I filed bankruptcy and no one gets anything?

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 2018-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
PennyMac Loss Drafts Claims is holding all of the money to get our home repaired after a mold remediation claim with our home insurance company that has already been settled. All funds have been received and kept by PennyMac since the beginning of XX/XX/XXXX. During this time, we have placed most of our home furnishings in storage and begun moving our pets and ourselves into a small travel trailer n the driveway. These extra out of pocket expenses that would not have been incurred otherwise are adding up. Between XXXX and XX/XX/XXXX, after having submitted all required documents by the contractor they are still misplacing documents and asking for them by phone. Yesterday ( XX/XX/XXXX ) XXXX called asking me for a form for the mold remediation contractor who was finished last year after all of his company 's documents were accepted. After some discussion XXXX was able to find the document in question. What's next? This is not the first time I have received a call asking for documents they already have. It seems they are not capable of keeping and maintaining important documents/records. This concerns me more than you can imagine. I have done everything I'm supposed to do and submitted every document they require and still they have delayed the process yet again. How are we ever going to get our home repaired if we can't pay a contractor? Can they legally keep the money from the settlement? I have never missed a mortgage payment or been late. I am a law abiding, working class man and I've done everything right. I have never felt so powerless and hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Hello, We having been having problems with Western Union. We attempted to send {$450.00} to XXXX on Monday XX/XX/XXXX. When the recipient tried to pick up the money, he was told it was on hold. We went back to the agent at XXXX supermarkets to try to resolve the issue. Someone standing in line had the same problem with sending money to XXXX. We called WU and they instructed the recipient to go to a different WU pickup location. He did but had the same problem. We finally decided to tried to get a refund and were told it would take 24 to 48 hours. Our problem has been going on for several days. They finally authorized a refund of {$1500.00} ( triple the amount we tried to send ). When we told them they made a mistake, they told we had to wait another 24 to 48 hours. We have been lied to several times by WU. They hang on us and hang up on the agent at XXXX. XXXX has been very helpful but WU seems unwilling to work with us or XXXX. I gave permission to speak with WU. They refused to speak to him even though I gave permission. The last time we spoke with WU on XX/XX/XXXX, they claimed the money had already been picked up. It is inexcusable for them to take this long for them to fix their own mistakes. What kind of action can we take to get this issue resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
This is the second complaint about this company as they have reported the same account on my credit report TWICE! They tried to be slick and posted it my credit report with 2 different account numbers. however this account is showing as paid ontime and closed in XX/XX/XXXX. Since I do not know who is the vendor, I consider this debt to be fraud. I have placed a fraud alert on all 3 of the credit reports and have also gotten a XXXX account. I have been unable to get the vendor to provide written document with my signature on it verfying the debt, yet they manage to report this data monthly! I need assistance in this matter.

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 2018-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
About XX/XX/XXXX, I had my business account with wells fargo. I banked with them for 33 years. I had a problem making payments, and a lady called me from the bank asking for the money. I told her I would have my lawyer talk to her about a payment arrangement, and she said she would not work with my lawyer. I didn't want to deal with her. she was very rude. My business loan was for about {$90000.00}. 
I wasn't able to make their high payments and about XX/XX/XXXX, I had about {$11000.00} in my bank account. it was all the money I had to run my business and survive. One morning, I went to pay for parts and found out Wells Fargo simply stole all of the money right out of my account, and left me to survive in the world with {$1100.00}. That's all the money I had to run a business, pay my rent, food, feed and take care of my elderly mother, sister and XXXX nieces and nephews and more. I was devastated, and because of what they did to me, I had to file bankruptcy to try to survive and live. I made it through the horror Wells Fargo Bank put me through. 
The reason I am writing you is because I see that the CFPB got a huge judgment against Wells Fargo, and I was so happy to see that you did that and make them pay for their business practices of attacking helpless people and taking their money. Wells Fargo will contend that they were legally allowed to do that, maybe that's true, but taking everything from someone on purpose and leaving them to die with no money is a practice that should stop. They should have to go through a legal process like everyone else and not simply take everything from someone and leave them vulnerable and helpless and with no money to take care of their family and survive. It was very vindictive and mean to treat a customer like that who was a customer for 33 years. 
They took {$10000.00} from me and left me with almost nothing. It was very traumatic, and I almost didn't make it because of them. 
I hope you can go after them and make it so they can't do this to another person ever again. That bank makes billions and preys on people with nothing. I bet this is a common practice for them and they did this to hundreds of thousands of people over the years. They should be forced to return the money. Taking all of someone's money can lead to XXXX XXXX, and even worse thoughts. It's like a person is having a difficult time making a living during a recession, then the bank comes in and takes everything you have, without notice. This should never happen to anyone, it devastates their life. 

You should get the money back for the other victims like me that went through this experience, and fine them billions until they learn to treat people fairly. 

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 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The J. G. Wentworth Company
State: CA

Complaint narrative:
I closed a loan with JG Wentworth the end of XX/XX/XXXX, and in XX/XX/XXXX they transferred the servicing of the loan to XXXX XXXX. 

I paid my loan on time, but in XX/XX/XXXX JG Wentworth reported my loan as 30-days late on payments ... ( the loan was sold to XXXX in XX/XX/XXXX ). 

I attempted to correct this problem but JG Wentworth will not return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Conn's, Inc.
State: TX

Complaint narrative:
Date of last activity is incorrect and inconsistent between 3 bureaus. XXXX 's date is 3 months different from XXXX and the discrepancy will cause a delay in my homebuying. I've tried to dispute online and the dispute was rejected since I've disputed the account before. Prior dispute was for a different reason. I called XXXX  and they still allege the date they have reported. 

I do not think Conn 's has validated this debt with proper support. So they are in violation as well as the credit bureaus for not removing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust Bank opened up a checking and money market account for me on XX/XX/XXXX. I deposited XXXX in the money market account and XXXX in the checking account. On XX/XX/XXXX Suntrust told me my accounts have been closed due to undisclosed federal regulations. They would not tell me the reason even after going into the branch. They then told me my money would take 30 days to mail back to me. I find this unacceptable that over $ 21k dollars is tied up by the bank for this long.

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 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Constantino Law Office, P.C.
State: UT

Complaint narrative:
I received a letter ( XX/XX/XXXX ) from a collection agency on a credit card judgement filed through the XXXX   Judicial District Court of Utah on XX/XX/XXXX, Case no. XXXX for {$4000.00}. I declared Chapter XXXX Bankruptcy through the Federal Bankruptcy Court in XXXX XXXX XXXX, Utah ( Case no. XXXX ) on XX/XX/XXXX, and the bankruptcy was discharged on XX/XX/XXXX. This is an illegal attempt to collect this debt, as it was discharged in the above referenced bankruptcy, and the statute of limitations ( 5 years ) has passed. The information on the collection agency is as follows : XXXX , XXXX being represented by XXXX XXXX XXXX, ( XXXX XXXX XXXX ), Constantino Law Office, P.C., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, UT XXXX, ( XXXX ) XXXX or ( XXXX ) XXXX, XXXX. I called XXXX XXXX on XX/XX/XXXX and left a voicemail message demanding that they cease and desist their collection efforts on this debt because it was discharged in the above referenced bankruptcy and the statute of limitations had well since passed ; and that any attempted to collect on a debt under these conditions is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have received repeated telephone calls from Citi Bank, XXXX, attempting to collect on a debt on behalf of Home Depot. The debtor is not known to me and I have had my existing telephone number for over 15 years. I called Citi Bank on XX/XX/18 and informed a representative that Citi Bank is calling a wrong number and to stop calling my home 's telephone number. I received another call from Citi Bank the following morning, XX/XX/18, at XXXX XXXX PST. I repeated my demand that Citi Bank not call my telephone number.

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 2018-04-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have been unemployed for three months so my payment is currently late on my XXXX XXXX credit card which is managed by XXXX XXXX.

Today is Saturday and I started receiving calls from XXXX at XXXX XXXX XXXX. Subsequent calls have followed at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and again at XXXX XXXX At this rate I will receive approximately TWELVE CALLS FROM COMENTIY BANK BY XXXX XXXX   TONIGHT  which is when they have to stop calling!!!!!

But this is not the first time it has happened. It happened once before, while I was unemployed recently, and my payment was late. I counted the number of times they called and it was between 12 and 14 CALLS EVERY DAY!!!!! I have been in job interviews when XXXX XXXX called me TWO TIMES DURING THE INTERVIEW!!!

THIS SHOULD BE ILLEGAL!!!! I've had stalkers who have called me less than twelve times per day!!!! And on a SATURDAY!!! When many people are socializing and having to explain the stalker calls on their cell phones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans union credit reporting deleted 4 old accounts in good standing. This made my oldest account on my credit report less than two years old and dropping my credit score almost 200 points!

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 2018-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I just turned XXXX on XX/XX/2018. I have no credit and have never applied for credit in my name. I may be an authorized user of some of my family members credit but nothing personally of my own. There is an American Express card that does not belong to me reporting on my credit and shows as an individual account opened 4 years 11 months ago, I was XXXX then. I did not apply for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have submitted several request for debt validation from Portfolio Recovery Associates and have still not received it over the past year. Most recently on XX/XX/XXXX the above company received a certified letter from me requesting debt validation. On XX/XX/XXXX they responded with 2 letters, one requested that I provide them with additional information so they could " complete the investigation of the alleged dispute. '' The second letter stated that the debt was sold to PRA and that an " electronic file '' was provided to PRA at time of sale. I have yet to receive any validation from the company including a signed statement that states that I'm responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT.FTC ID THEFT REPORT # 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