vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
Portfolio Recovery Associates, LLC made an arrangement with me via phone conversation, to pay a settlement amount on an account they acquired. The agreement was for {$25.00} paid for 13 months. I called the company months before the end of the payment deadline, to find out exactly when the payments would finish. I just wanted to verify their records with mine. The woman I spoke with confirmed the last payment would be XX/XX/XXXX. XX/XX/XXXX came around and the company mentioned took yet another payment out of my bank. When I called to complain, a man said the agreement was for 15 months, not 13. I disagreed with him and referenced the previous call to check on the details and he said the woman was wrong. He said, " I'm looking at the printed agreement right now. '' He forced me to pay two extra payments or I would have to pay the whole amount. Trying to complain was useless. I have no paperwork of the verbal agreement made. Never did. All the payments were electronically withdrawn monthly from my XXXX XXXX XXXX XXXX XXXX XXXX, Kansas, account now closed. I do not remember the account number. The transactions took place from XX/XX/XXXX, until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Problem with Equifax : On XX/XX/XXXX I contacted Equifax to temporarily unfreeze my credit information. My credit was frozen XX/XX/XXXX. I had previously temporarily unfroze my credit on XX/XX/XXXX. My request was refused because I was informed that I did not answer the security questions correctly. I did not accept this response and spoke to several representatives and a supervisor. All refused my request. In fact, the last Equifax representative claimed my account was not frozen even though I read the letter to her from Equifax that stated my account was frozen. They suggested I write a letter to their main office. My insurance company wanted to see my credit score tomorrow. 
The frustration I have experienced from Equifax is disgraceful. The bureaucracy in this non consumer friendly firm is disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened an account with Comdata in XXXX of XXXX for my truck drivers to purchase fuel for long distance trips. My account code is XXXX. The cards were setup for fuel only and on situations were a driver needed cash for roadside assistance, truck wash, fax service, etc. I manually generated an EXPRESS CHEK code ( XXXX ) from the Comdata portal and send code to the driver with the amount available on the code to access cash or pay for service. 

On XX/XX/XXXX we hired a new driver, XXXX XXXX XXXX whom managed to withdraw cash advances from the fuel card without me knowing. The fuel transactions Mr. XXXX was making were legitimate but the cash advances were fraudulent. From XX/XX/XXXX-XX/XX/XXXX Mr. XXXX stole a total of {$28000.00} not including the fees for the cash advances. 

On the weekly statements Comdata sends in the mail ( " Daily RECAP SHEET '' ) these cash advances were not listed on the summary only express codes and the total purchases for each card. During the first week of XX/XX/XXXX we had a business slow down but the comdata fuel expenses were still high. I called in Comdata for help and when I spoke to a representative they guided me to a section of their website where I will have to run specific reports for detailed explanations and that's when I realized the fraudulent cash advances Mr. XXXX was taking with his fuel card. 

I have filed criminal charges with the XXXX, New Jersey Police Department against the driver. I immediately reported all the fraudulent transactions to Comdata however they are refusing to issue credit for the charges because they claimed the driver had a card. However I never requested for this drive or any driver to have access to cash advances that was the purpose for the express chek codes. If they would have listed these cash advances on the weekly recap statements I would've notice the fraudulent activity but they were not listed.

I believe Comdata needs to credit me back for these transactions as they never notified me about any cash advances this driver was fraudulently making or any of my drivers, and they also never notified me that my drivers were able to get cash advances with their fuel cards. I have attached a copy of what the daily recap weekly statement looks like and it does not show anything for cash advances.

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 2018-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION
State: NV

Complaint narrative:
A fair and reasonable outcome. Corrected and updated credit report, assistance with locating the vehicle, explanation as to why they insisted a tracking device be placed on my vehicle before I could drive it off the lot and reason that they are now saying that was not part of the contract yet I had to pay extra to have it installed and to drive it off the lot. They even denied my request to waive that as a funding condition. They have also denied my requests to have the vehicle located. All negative remarks need to be corrected and at this point since I am not able to locate the vehicle I need to understand the legal aspect of this so perhaps mediation would be a positive solution. Initially, I just wanted to negotiate the additional interest that was added on to the loan. The principal has all been paid off. The additional interest is in the amount of around {$200.00}. They have refused to discuss or entertain any reasonable solutions I have attempted. Again, the principal is paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In contrast to as recent as XX/XX/XXXXthe Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) and the office of California Attorney General levying heavy fines against Wells Fargo Mortgage in excess of {$2.00} Billion for fraudulent activities perpetrated against hardworking mortgage holders. Wells Fargo Mortgage XXXX XXXX Senior VP of Lending and Executive Resolution Managers XXXX XXXX, XXXX XXXX  and their entire team have devised a new scam to continue defraud Home owners, already defrauded by the Banks deceptive employees by transferring or selling their questionable Mortgage Loans to XXXX XXXX. Both companies have been notified numerous times in writing by us of directly violation 18 US Sec.152 & 3571 making a false and inconsistent statements to the Chapter XXXX  Bankruptcy Court .

In the case of XXXX XXXX, we have served written letters ( see attached ) begin XX/XX/XXXX to cease and decease all collection attempts on our Wells Fargo Mortgage Account since XXXX XXXX is third party to a debt already in dispute with Wells Fargo Mortgage, and therefore lacks proper jurisdiction as a debt collector pursuant to 5 U.S.C. 1692-1692p, to date we have been ignored while the harassment and collection attempts continues. It should be noted, Wells Fargo Mortgage in its deceptive attempt to unload a questionable debt to a third party debt collector XXXX XXXX  which in turn recruited XXXX XXXX  an individual located outside the United States in the country of XXXX to further enhance the original fraud perpetrated on our mortgage account while making false statements to the Chapter XXXX in the XXXX  District of California. XXXX XXXX   on behalf of Wells Fargo Mortgage apparently ignore our XX/XX/XXXX letter ( see attached ) and proceed to file a fraudulent Notice of Transfer of Claim with the Chapter XXXX Court on XX/XX/XXXX in amount of {$690000.00} via Transferee/Transferees Agent XXXX XXXXt, XXXX XXXX XXXX XXXX

In summary, the same fraudulent activity perperatered on us in XX/XX/XXXX by Wells Fargo Mortgage in Loan Modification Bait & Switch has now mushroom into additional fraud by all parties making inconsistent statements to the Chapter XXXX  Bankruptcy Court.

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 2018-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
NOTICE OF INTENT TO FILE A LAWSUIT CEASE AND DESIST NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION Experian should demand itemize billing documentation of medical bills that I attended XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Instead of just believing them against me. 

I do not attend XXXX XXXX XXXX and owe no bills to them or anyone. Investigation should be more than just calling XXXX XXXX, XXXX but documentation as to why derogatory medical bills were in my reports XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I spoke with a representative at XXXX XXXX about planning to make a payment of {$50.00} a month and was told that my payment wasn't enough. The representative was really rude and disrespectful. I failed to get the name of the representative. The company call me a lot and recently when I pick up the phone they hang up in my face. I am attempting to work out a payment plan with the company however my attempts have been unsuccessful. I am not negating my responsibility- I just experienced a financial hardship which caused me to get behind on my payment. The company calls me excessively from XXXX but fails to work with me with me yet harrasses me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: CARRINGTON MORTGAGE SERVICES, LLC
State: ND

Complaint narrative:
I have contacted both Carrington Mortgage and XXXX XXXX XXXX several times over the last months asking for the date of first delinquency to be fixed on my reports. The most recent contacts to both companies were by phone on XX/XX/XXXX, by phone on XX/XX/XXXX, by email/fax on XX/XX/XXXX and through disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not updated the date as of yet. 

The date of first delinquency that is showing on all 3 credit bureaus : XXXX, XXXX and XXXX. The delinquency shown is XXXX of XXXX but the date of first delinquency was XXXX of XXXX. The mortgage loan was originally owned and serviced by XXXX XXXX XXXX. It was then transferred to Carrington Mortgage and finally to XXXX XXXX XXXX. Per FCRA 605 & 623, when a debt is sold and was delinquent, the date of first delinquency is to be reported as the original creditors date of first delinquency. In the case of this account, the account went delinquent with XXXX  XXXX XXXX in XX/XX/XXXX. As it was never brought current, the date of first delinquency is XX/XX/XXXX. 

You will see in the XXXX XXXX  Report the XXXX XXXX XXXX Information ( bottom of page 4, top of page 5 ) the account history for XXXX  XXXX XXXX and the information that is was transferred. Bottom of page 5 to top of page 6 shows the incomplete Carrington history. Carrington received the loan in XXXX XXXX but did not report until XX/XX/XXXX until XXXX XXXX. XXXX received the loan in XX/XX/XXXX-XX/XX/XXXX. 
The 2 were the follow-up letters that I submitted after the CBA disputes were not updated properly. 

The XX/XX/XXXX XX/XX/XXXX Document shows that the XX/XX/XXXXXXXX XXXX account has been removed due to the 7 year rule but both Carrington and XXXX are still on the report ( pg 11 & pg 16 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
I disputed a collection with XXXX regarding XXXX XXXX that they submitted to the credit agencies recorded on XX/XX/XXXX without my knowledge and without any validation of debt. The details state the original creditor as XXXX and the amount is for {$380.00}. I contacted XXXX and they do not have a record of this under my name, I have not had XXXX service since XXXX. If this debt was valid which I believe to be untrue, the SOL would have expired in my State of Michigan. I have never received any communication from this creditor, it simply appeared on my credit report which they should have validated the debt with me. I wrote to them and asked them to remove this from my credit reports immediately and provide proof of said services. Furthermore, this credit agency is not licensed in the State of Michigan to perform collections in this state, so I believe they are illegally trying to collect a debt that not only is invalid, but they are not entitled to do so according to the Michigan State Attorney general office, which they have requested I file a complaint pending the results of your findings. I have been checking my credit reports and this is still appearing, therefore they are ignoring my request for removal and request of validation. I reached out to them also by email this week, I have proof of delivery and again received no response. If this was on one of their own credit reports, they would react in a timelier matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
NOTICE OF INTENT TO FILE A LAWSUIT CEASE AND DESIST NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION Equifax should demand itemize billing documentation of medical bills that I attended XXXXXXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Instead of just believing them against me. 

I do not attend XXXX XXXXXXXX XXXX and owe no bills to them or anyone. Investigation should be more than just calling XXXX XXXX XXXX but documentation as to why derogatory medical bills were in my reports XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have been enrolled in Experian 's TripleAlert credit monitoring for a number of years. On XX/XX/18 I received an e-mail from them telling me they were " upgrading '' me to a more expensive service ( $ XXXX/mo vs. {$4.00} ) which I never asked for, so I decided to cancel. There is no means of doing so online nor does the website give a mailing address -- only a telephone number and an e-mail address. On XX/XX/18 I called the telephone number which connected me to an automated system ; it asked me for various personal identification data ( which, oddly, did not include my account number ) and then told me they had no account on file matching that information and then disconnected. There was no provision for speaking to a human operator. I made numerous retries over the next several days, both to this number and to several other Experian numbers which I looked up ; all led to the same automated system with the same result. 

Meanwhile, I sent e-mail messages on XX/XX/18 and XX/XX/18 to the address given in Experian 's FAQ. I have not received a reply to either. I am effectively left with no means of canceling.

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 2018-10-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: OK

Complaint narrative:
XX/XX/2018 I was contacted in reference to this debt. I was told that the account was transferred to them on XX/XX/2018. 

We filed bankruptcy on XX/XX/2018. We had went to the Federal Bankruptcy Court XX/XX/2018. We received notification that the case was DISCHARGEd at the end of XX/XX/2018. The Federal Student loans that company was referring was in the Bankruptcy, the name that the account was under was also added to the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit. 

I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.

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 2018-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
NOTICE OF INTENT TO FILE A LAWSUIT CEASE AND DESIST NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION Transunion should totally removed the XXXX XXXX XXXX XXXX derogatory reports instead of closing them and leave them till certain dates. Although, you have done your investigation and they should be deleted because the medical billing were not mine. XXXX XXXX, XXXX and XXXX XXXX XXXX are fraudulent companies and needs to be investigated further and their companies shut down. 

XXXXXXXX XXXX XXXX is a billing company and not Medical Center as mentioned by the XXXX XXXX XXXX XXXX XXXX 

I do not attend XXXXXXXX XXXX XXXX and owe no bills to them or anyone. 

XXXX XXXX XXXXXXXX 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 2018-10-24 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: NY

Complaint narrative:
Send 3 written requests to credit bureaus requesting original documents, and proof of late payment with date of late payment from the company and proof that i was late. All 3 credit bureaus did not send me ANY proof just sent me back mail stating company verified information? I asked for the proof and they failed to provide me the proof of my late payment with XXXX XXXX XXXX XXXX. I also told ALL 3 credit bureaus that if they didn't provide me with the actual proof that they were violating the Fair credit Act and still they failed to send me the proof requested.

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 2018-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I went to the XXXX XXXX dealership on a Saturday a few weeks ago to get aXXXX XXXX XXXX  XXXX. They didn't have the options I wanted and called another dealership that had the VIN of a car that matched my specs and negotiated a swap. XXXX XXXX had me fill out the paperwork for that VIN and told me they would get me the car the next morning. They then submitted that paperwork to XXXX XXXX even though the car was not in their possession. Sunday came and they were not returning my calls asking what was going on. Finally, at XXXX I got a call back that the other dealership sold that VIN already but they found another match at another dealership to do a swap with but would have to come back in and sign more paperwork. Frustrated that they had lied to me and wouldn't return my calls all Sunday I told them to cancel the deal as it was invalid anyway. I am receiving bills though. I contacted XXXX XXXX and they claim they can not do anything. I have an open case with their Customer Care department which has not done anything for 3 weeks. I contacted the dealership directly and have emails from their finance manager who created my deal saying they would resolve this more than a week ago. I  called XXXX XXXX again today and was told I'm in collections because my bill is past due. I called Customer Care today and talked to a supervisor and this has been escalated to a national office, but I can not contact my case manager and have not heard from them. I have to wait and hope that they actually contact me themselves.

Company response to consumer: Closed with explanation