vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Called Experian on the phone, was redirected several times until i reached an agent whom i could understand and was in the US. I explained to them how i was brought to tears after viewing from credit report. This particular was very helpful and gave me several different ways that i can be helped if i submitted the proper documents. I've mail them in before and called up hoping and XXXX that i'd get that same helpful male agent whose name i just can't recall, but this time i was funneled to a call center outside of the usa and could not be helped at all, after research and guidance i was led to this portal to assist in coming to a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My Equifax credit report falsely claims I owe money. Approx. last Thursday Equifax required that I dispute the claim using their online form. The form does not provide the means to submit any documents so I said in my statement that I paid the charge in dispute and that I can provide documents proving payment. ( Documents are bank statement and bank letter confirming the payment. The original creditor was XXXX XXXX, not XXXX who recently purchased XXXX XXXX. ) Today, Tuesday, ( ie. the @ 3rd business day after the dispute was filed ) I received notice that the result of investigation is available. Clearly neither Equifax nor the collection agency did reasonable investigation which should have included viewing my documents. By implementing a system where no document can be submitted Equifax assured a negative result. ( The Equifax incident number is XXXX ) No one has requested to view the documents. When I followed their online instructions to get results it didn't allow me to see the results. I used their chat service, which referred me to an automated phoneline. It took a long time to reach a human. She had such a thick accent that I couldn't understand her. After providing reasonable identification the rep still refused to tell me the results but confirmed to me that their system doesn't allow the consumer to submit documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: United Acceptance Inc.
State: GA

Complaint narrative:
I bought a car from buy here pay here, I paid on the car for so long and was on time and they seen that I was a great creditor always paid on time and sometimes more, I was told that my long was being turned over to a bank, so I signed the papers thinking that that would help my credit but it was turned over to a finance company, my interest rate went sky High and turn to a upside down loan on the vehicle, then the vehicle was no longer drivable, as long as I was with the company they would fix it because they wanted their money, but once I was on my own with the finance company, I was stuck with a used vehicle that had been bought from an auction, It finally costed me a little over {$1400.00} to fix it and it costed me {$1400.00} to pay it off, so I requested that they come and secure their property there was no way that I could fix the vehicle and make payments at the same time so the best thing for me to do was to ( surrender ) relinquish the vehicle, they sold the vehicle for {$300.00}, I had {$800.00} worth of tires on the vehicle because I kept the maintenance up I want to road ready, brand new starter, brand new battery, all the whole works brand new rims, brand new rotors all the way around, they never contacted me to negotiate how we could resolve the issue they just sold the vehicle and I was stuck with the balance and I didn't sign up for my vehicle to be sold to a finance company I thought I was with a bank and I would have went the whole 100 with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On or about the XX/XX/XXXX2019 I sent in a letter asking Equifax for validation of a few inquiries on my report. I received an email on XX/XX/2019 I received an email from Equifax stating they received my letter and issued me a dispute # of XXXX. On XX/XX/ 2019 I received a email stating my dispute was complete. Upon review of my credit report I found the results of their investigation had nothing to do with the inquiries in the letter they received on the XX/XX/XXXX 2019.  I called to explain this to them but was given several vague security question. Unfortunately i was unable to get help from the representative. 

I also noticed that the investigation they conducted was a bankruptcy in which they obtained according to them validated information threw a third party. The third party in which they validated the information with has an active suppression on my file dated XX/XX/XXXX 2019. this means that they were able to obtain information without my consent in writing and while my file was suppressed with the company verifying it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My card information was stolen in XX/XX/2018, and someone made purchases by using it. I discovered it a few days later and reported it to Citi Card. I received a new card and thought everything was fine. However, I found the unauthorized charges were not fully refunded. I contact them again, they told me their investigation team discovered the case. But it has not been solved yet. They closed the case before the date they noticed to contact them, and reopened by my complaint. And their Debt Department kept calling me due to the unauthorized charges because I didn't pay it. Now I've been waiting it will be solved soon while making minimum payment. I'm really sick and tired to contact them for this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LOBEL FINANCIAL CORPORATION
State: AR

Complaint narrative:
I owed one payment and was a couple days late. I called on a Tuesday to inform them I'd pay on Friday. The next day a " repo man '' arrived at my home. The car was not operable and when asked to remove my belongings I declined and requested the address of the tow yard it was going to be taken to. I was given what was later determined to be a false address. After making the final payment calls to the company were ignored for approximately two weeks. Finally I was told the car was sold the previous day at an auction. This all tool place in XXXX or XXXX. Last year, XXXX, I received two judgements against me. The first in XXXX XXXX County, the second in XXXX County resulting in a wage garnishment. I have not lived in California since XXXX and had no idea these claims were filed therefore I was not allowed to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
This is against Ditech ... 

Payment in the amount of {$28000.00} was received on XX/XX/2018 for APN : XXXX ; XXXX  ID : XXXX  ; XXXX XXXX ; XXXX, XXXX, CA XXXX. The payoff is considered incomplete because payment was received after the XX/XX/2018 valid though date shown on the previously issued payoff statement and the amount was less than what appears on the current payoff statement valid through XX/XX/2018. 

Enclosed is an updated prepayment calculation showing the remaining amount due of {$210.00} to complete the payoff by XX/XX/2018. If the HERO Assessment is not paid off, the remaining balance will be re-amortized and collected via the property tax bill. 

As the consumer I was not made aware that the Hero  Loan was not paid in full, I was under the impression as per the T & C of the refinance that the Hero Load was paid in full, which it was not. Ditech then sold my loan to a loan holder who I did not even make a payment to as they sold it to XXXX XXXX, when I contact XXXX XXXX they informed me that they had nothing to do with this re-fi, that I would have to contact Ditech, Ditech told me that there was nothing they could do about it. I have now requested a payoff amount from XXXX  XXXX to find out what my current balance is on this loan that should have been paid off per the T & C of my re-fi by Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/2018 I filed a police report and mailed the police report to Experian with my drivers license, a copy of a utility bill, and a copy of the police report. I had a fraud alert put on the Experian account. These are the following accounts listed. 
XXXX XXXX XXXX  XXXX XXXX {$3000.00} balance XXXX XXXX {$720.00} balance XXXX XXXX {$730.00} balance XXXX XXXX XXXX XXXX   {$7400.00} XXXX XXXX XXXX {$1100.00} Also attached in the photos are an example of an account that was removed and then readded

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
The closing on my personal property XX/XX/XXXX. The mortgage company was over paid and they were supposed to send us a check for the overage of {$1600.00} as agreed upon at the closing. In Mid- XX/XX/XXXX, we still hadn't received the overage check so we reached out to XXXX XXXX XXXX advised us that it was their mistake and they would be sending out the check. In XX/XX/XXXX we reached out to them again and they said they sent out the check and that they would follow up on it. There was response so in XX/XX/XXXX we reached out again and they then told us the check had been sent out to us and cashed. We told then=m we had nit received any check nor cashed it. So they sent us a coy of a front of a check and the back of a check with a different account number and signature. We explained that it was obviously not us and they told us to get a police report and to talk to the bank and we did ( see attached documents ). The bank said they could not help us because we were not the issuers of the check the issuer has to deal with the issue directly. Here we are now XX/XX/XXXX and after various conversations with XXXX XXXX, of them promising to send out a replacement check and finally they told me last week that they would not issue a replacement check to go through the legal route and get an attorney to fight it out. That is why we are reaching out to you for some assistance in this matter. Please see all necessary documents supporting our claim attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Collector called my cell after being told not communicate via mail only, calls to my cell number incur charges. Collector refused company name even after being made aware of FDCPA violation. Reluctantly, I provided my information and was given her company name. I advised collector at that time of violation for calling my cell phone as well as refusal to provide company name and that two collectors from same company calling me simultaneously on 2 seperate accounts. Also, company is aware of payments being made on account with legal proceedings. Collector responded with she can do whatever she wants and I need to pay. She was rude and holds no value to laws set to protect consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
My email to XXXX XXXX NMLS # XXXX branch manager on XXXX and XXXX in XXXX XXXX, CA XXXX XXXX XXXX XXXX  CA XXXX I opened this account in your branch in XX/XX/2018. 
( Acct # XXXX XXXX XXXX XXXX ) That month, I overdrew my account {$8.00}. I was unaware of this overdraft and was charged an overdraft fees of the following : {$36.00} on XX/XX/ 2018 {$36.00} on XX/XX/2018 {$25.00} on XX/XX/XXXX This left my ending balance - {$100.00} for the month of XX/XX/2018. 
XXXX continues the charges in the following : {$25.00} on XX/XX/ 2018 {$25.00} on XXXX XXXX 2018 {$25.00} on XX/XX/ 2018 {$25.00} on XX/XX/ 2018 {$25.00} on XX/XX/ 2018 Bringing my balance to $ XXXX I called several times to see if any of these fees could be reversed and was immediately treated rudely and told " no ''. 

The account was then closed in XXXX and another {$30.00} fee was tacked on. Bringing my ending balance to - {$260.00}. 

I came to US Bank because I thought they didn't partake in the incessant fee charging of their customers. I admit fault in over-drafting {$8.00} and agree to paying a single fee for that. 

It has now been brought to my attention that I am in XXXX XXXX  for {$260.00} for a {$8.00} error. I am hoping you can do something to rectify the situation and request my removal from XXXX XXXX. 

Please get back to me at your convenience by replying to this email due to the fact that during working hours I am unable to answer the phone. 

Thank you for your consideration in this matter -- 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 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
On XX/XX/2019 Capital One XXXX closed my account for fraud even though there was no fraud. They failed to call me. They emailed me and its instructed to call, not email me. They are refusing reopen the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: KS

Complaint narrative:
Received collection letter regarding account XXXX from XXXX regarding debt not verified, debt not belonging to me, have asked creditor to cease attempts to collect debt & to remove from my credit report / credit file.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is reporting my bankruptcy inaccurate. The date filed is in accurate and the discharge date is wrong. The bankruptcy was filed in XX/XX/XXXX and the discharge date is XX/XX/XXXX. They are reporting this information in accurate on my credit report and I want this bankruptcy removed the law clearly states in info being reported inaccurate can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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 — Problem getting your free annual credit report
Company: BB&T CORPORATION
State: SC

Complaint narrative:
I never obtained a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
My account was placed with a Company named Pressler and Pressler in XXXX NJ. I owed a bill from XXXX back in XXXX. Pressler and Pressler bought the account off XXXX and then reached out to me regarding a past due balance I owed. However after many years of the back and forth they reached out to my Employer for a Wage Garnishment which took effect on XX/XX/XXXX and every 2 weeks moving forward 10 % of my income would be deducted from my pay until the Balance was paid in full. Up until today 's date XX/XX/XXXX the balance owed is/was {$680.00}. On Friday XX/XX/XXXX Pressler had a Bank Levy put on my account and withdrew {$1200.00} and a {$120.00} processing fee. After contacting Pressler on the same day of XX/XX/XXXX and speaking with a Gentleman, he told me that I owed the account for years and that the Levy was placed because no payment or agreements were made. I explained to him that I had proof from my Payroll company that payments were in fact being made and I could provide proof if needed. He informed me that being the account was owed for years and since the Bank Levy took place already that if there was anything they could do it would be to subtract what I made in payments once verified or they would continue with the Garnishment and send me back all of the {$1200.00}. but more then likely it would be to send me the difference of what was withdrawn from my Account. He said he would call me back by XXXX the same day and no one has yet to contact me. I have yet to hear back them or receive any monies back in my account and due to this unnecessary Bank Levy they put on my account it has caused my rent to be late, bills to be late and my Checking Account to be overdrawn with overdrafts fees that I am accumulating from things coming back and not being paid and has caused me great financial burden and stress as I have XXXX children to take care of due to what this Company has done.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXX from IQ Data International contacted us ( XX/XX/2019 at XXXX ) trying to ask about all of our personal information. My husband hung up on him and he called me back and told me I made my husband hang up bc I was in the background telling him not to give our personal info to someone we dont know. I asked for a bill and he refused and said if I didnt want to pay my debt then it would ruin my credit and I told him that I didnt say I wasnt paying it I asked for a bill, the entire time he kept talking over me and telling me how this was going on my credit report. 

He kept yelling and talking over me so I asked for a supervisor. XXXX XXXX came on the line and was still rude to me. She said if I wanted a bill I had to request it via mail and I said I never heard of it being done that way and she was just making me feel horrible because I said Ive never heard of someone asking you to pay a bill but wont send you a bill. I asked for the address and other info needed and when she told me my account number I asked if it was alphaneumeric because I couldnt tell if she was saying H or 8 and she was, you guessed it, rude. I asked my husband if he heard H and he agreed it sounded like H then I asked for the amount owed and she was rude again telling me that the amount today is less than the amount tomorrow. I asked her to confirm the amount of interest and again, rude. 

I understand theyre trying to collect a debt but I dont understand why theyre so incredibly rude about it from the start.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX  is reporting my bankruptcy inaccurate. The date filed is in accurate and the discharge date is wrong. The bankruptcy was filed in XX/XX/XXXX and the discharge date is XX/XX/XXXX. They are reporting this information in accurate on my credit report and I want this bankruptcy removed the law clearly states in info being reported inaccurate can be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX is reporting my bankruptcy inaccurate. The date filed is in accurate and the discharge date is wrong. The bankruptcy was filed in XXXX of XXXX and the discharge date is XX/XX/XXXX. They are reporting this information in accurate on my credit report and I want this bankruptcy removed the law clearly states in info being reported inaccurate can be removed.

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