vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Turning Point Solutions LLC
State: CA

Complaint narrative:
On XX/XX/2019 and XX/XX/2019, I stated to the company I was willing to pay what I was paying the other debt collector, XXXX, who went out of business, which is {$100.00} a month. However they wanted me to agree to their terms of payment. So I asked if I could have until the end of the month to budget, the supervisor got on the phone and said you know how much you make, you have 2 hours to agree to our terms or we are going to garnish your wages and I have your employers contact information. I said I will agree now on the {$100.00} a month but he told me to keep my little money for my lawyer. Then I said I have one and I pay every month, he said whats the number about 5 times before I hung up. I also got a message that I refused to pay which I never refused to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: NY

Complaint narrative:
I ordered my credit report and I do not recognize the accounts on it.

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 2019-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent documents to all credit bureaus to remove unverifiable accounts from my credit report and still have yet to be remove please remove now

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 2019-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are accounts on my credit report that are 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 2019-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My checking account with Wells Fargo was charged 3 overdrafts fees of {$35.00} each on XX/XX/2019. My account was overdraft less than {$20.00} after doing a XXXX transfer for my rent. A check that was supposed to be deposited XX/XX/XXXX was not credited in time. I came to Wells Fargo branch XXXX XXXX and XXXX and had a long conversation with a banker about how unfair was to charge this and that I didn't know the account was as low. The charges were two {$6.00} transactions from XXXX that were pending from the app. 
Banker asked for authorization to credit the overdraft fees and the answer was negative. As I came back to the branch to discuss about it and explain how I don't even have enough resources now as to loose {$100.00}, XXXX XXXX, assistant manager still said no to credit this fees. I've already asked in the past to never allow any charge when my account is XXXX because I don't ever want to pay this fees. 
The bank explains that their system doesn't allow them to block debits that are from apps or direct debits. So I still get charged with this very expensive fee. I also felt poorly treated at the branch by this assistant manager, XXXX XXXX, feeling bullied and like she enjoyed to use the power of saying no to me.

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 2019-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This agency called me 21 times in a row, never left a message. I had to reverse lookup the number to find out its Portfolio Recovery. I have no idea what they are calling about. I tried to call back and received a customer not available message from the phone carrier service. To call someone 21 times in a row is harassment and they need to be dealt with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IN

Complaint narrative:
Date : XX/XX/2019. Initial phone call from XXXX regarding transaction fraud using my credit card. with follow up staff transfers of supposed higher classification within the Social Security department regarding fraudulent use of my credit card account number and tied to XXXX XXXX and money laundering. I was told a voice recording was being made, that privacy had to be strictly observed regarding dissemination of any subjects discussed over the phone. That one interviewer could loose his job if I disclose any information regarding the details of our communication with each other. That I was to buy electronic gift cards for the available credit limit the from my credit card company and when asked if I was to supply the interviewer with those numbers so as to protect me against theft in the near future. An arrest warrant has supposedly been issued for me to be held but could be dismissed if I supplied the gift card account numbers. 
I cancelled my present credit card, notified the XXXX Country XXXX XXXX, IN operator on duty around XXXX XXXX and filled out this report to send to you. 

Sincerely, 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 2019-07-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019 and XX/XX/2019, I stated to the company I was willing to pay what I was paying the other debt collector, XXXX, who went out of business, which is {$100.00} a month. However they wanted me to agree to their terms of payment. So I asked if I could have until the end of the month to budget, the supervisor got on the phone and said you know how much you make, you have 2 hours to agree to our terms or we are going to garnish your wages and I have your employers contact information. I said I will agree now on the {$100.00} a month but he told me to keep my little money for my lawyer. Then I said I have one and I pay every month, he said whats the number about 5 times before I hung up. I also got a message that I refused to pay which I never refused to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-07-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened a credit card account with HSBC in XXXX of XXXX. I didn't use the card much but made my first payment online in XXXX, XXXX. I put my credit union account info in their system, made the payment, and everything was fine. I did the same thing in XX/XX/XXXX and they accepted the payment. I did not hear from them concerning any problems. I then made my regular payment in XX/XX/XXXX. They still did not notify me of any problems. My XX/XX/XXXX payment was made on XX/XX/XXXX, and went through again. This month i noticed late fees for XX/XX/XXXX & XX/XX/XXXX even though I paid before the due date. 
I called HSBC on XX/XX/XXXX at about XXXX and asked for an explanation. They advised me that the XX/XX/XXXX & XX/XX/XXXX payments did not go through. This was the first I had heard of a problem. They read me the bank account number for my payment and the last digit was a " XXXX  '' instead of a " XXXX ''. I had never changed it so they referred me to the fraud department. Based upon my logins, they concluded that there was no fraud and it must have been a " glitch '' at their end. When I was transferred back to customer service, they refused to change my credit report showing I was late on payments. I have never been late on a payment to my other numerous credit card companies, My FICA score was over 800 before they messed it up. I need them to correct their report to the credit bureaus so this can be rectified. I don't feel a call from me will do the trick.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
I am XXXX  and have been take advantage of since being rear ended in my car. I have my lawyer XXXX me just to get affiliation with the larger firm. My doctors ignored my cardiac arrest that happened 5 times a week for over 5 years. Now I hade a refinance company coach me through refinancing my home. I thought they were helping me. A year later I had to file bankruptcy and struggling to keep my home and pay for my medical on my XXXX checks. I suffer from chronic pain and daily migraines which make it hard to make proper decisions for myself. I also take care of my elderly XXXX mother. In same house. I need new ac units they are 16 years old and unable to pay for maintenance. I was doing good  when I first purchased the house. Now I find out they put me so far out on my debt to income ratio I cant even get help. I have already applied for loan modification per my bankruptcy lawyer. SLS is yet to respond except to increase payments due to short in my escrow.

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 2019-07-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I am reporting this company for past and future loans that they are giving to unsuspecting people. They offered me a XXXX dollar loan tonight with click bait buttons and they want people to pay 9 monthly payments of XXXX dollars on such a loan. I got this offer on XX/XX/2019 then received a call where they tried to push right back into this ridiculous loan agreement. I told him to go wait by a banana boat ...

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 2019-07-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent documents to all credit bureaus to remove unverifiable accounts from my credit report and still have yet to be remove please remove now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 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: FL

Complaint narrative:
I have already sent documents to all credit bureaus to remove unverifiable accounts from my credit report and still have yet to be remove please remove now

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 2019-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Someone fraudulently opened 4 capital one credit cards in my name that I just recently found out about and have been in contact with capital one to dispute it, to have the fraudulent credit accounts removed from my credit and they refuse to remove the fraudulent accounts and are holding me liable for the balances on them when I never opened the accounts to begin with. I am not liable for opening the accounts or the charges associated with them and need the 4 accounts all removed within the next 15 days. Capital one is claiming they completed their investigation and found no fraudulent activity when there was in fact fraud perpetrated in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elite Financial Services, Inc.
State: KS

Complaint narrative:
My girlfriend put my name on a leasing application with the possibility that both of us might live at these apartments together. I did not sign the application. We decided not to live together at the time, although she decided to lease an apartment at this complex. I did not. I never saw a lease, never signed a lease, and never agreed to any terms of a lease. Now the company is pursuing me for an unknown balance due, which has never been explained to myself or my girlfriend. She moved out at the end of her lease with no balance due. The property manager saw her, spoke with her, and waived good-bye as she drove away on the day she vacated, with no mention of any balance due, whatsoever. Now, Elite Financial is claiming I owe money. I was never a party to a lease at this complex, nor have I ever seen or agreed to any lease terms. I asked Elite Financial to provide a copy of a lease with my signature and they have not, yet they are pursuing me for unknown charges. I have never seen or signed a lease at this property and have no obligation for anything. When I spoke with Elite Financial, they refused to provide any documented evidence to demonstrate that I owed any money and they continue to make demand on me for some unsubstantiated balance due. Elite Financial refuses to provide any documentation as to the origin of the claimed balance due or any documentation explaining why I am responsible for an amount due. I have never dealt with such an unscrupulous company before in my life. Pursuing me for some financial obligation I never agreed to and refusing to provide any documentation to demonstrate why it thinks I owe money ... its a disgrace that this company is allowed to do business in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I had a balance of {$200.00} in XXXX which is paid off {$200.00} in full. Only XXXX cents remaining and i didnt even get any email notifications or call notifications to pay it off and 2 months later today they call me and say they are trying to collect debt of {$100.00}!!! They charged me {$100.00} for XXXX cents!!!! This bank is the worst kind of scammer i have ever seen!!! They stole my money and on top of that the customer representative agent in charge of the homedepot credit card department, XXXX, was so rude to me saying you didnt pay off your balance so who is to blame-pay on time and you wont get charged unbelievable!!!! Who hires these rude imbeciles!! I will never recommend this bank to anyone and i will keep reporting until i see some serious legal action taken against you frauds!

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 2019-07-18 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: MS

Complaint narrative:
I have submitted several letters requesting Method of Verification to Equifax regarding an account listed on my credit report ; XXXX/XXXX  but never received a thorough method of verification just a generic response that the account belongs to me. The account does not and is listed as Bad Debt placed for collection but is not a collection on my account. They also have the following remarks on my account ; Account Transferred Or Sold Charged Off Account Charge Variable/Adjustable RateAccount Transferred Or Sold Charged Off Account Variable/Adjustable Rate Amount In High Credit Is Original Charge-Off Amount. As we all know that any account that has been charged off and sold to any collection company should not have any amount. These remarks along have decreased my credit score which makes absolutely no sense when I have repeatedly advised Equifax of verification of the debt and never received a response. According to the FCRA they are suppose to provide their method of verification or remove the account from my credit report. I only receive generic responses because they are not doing a proper investigation and only utilizing XXXX to verify the debt based on name and address alone and I have been a victim of Identity theft. Which they also receive the FTC report from me but still refuse to remove the incorrect item. I am requesting that Equifax removed this account from my credit report within 10 days if they do not provide me with their method of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a member of the Sears card since XXXX where I made a purchase and paid my debt off. Recently sears closed the card because I wasn't using it, but on my credit report, they report a negative mark stating that I had a late payment. which is false because I have never had a late payment on any of my accounts.

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 2019-07-18 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: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
Reviewed my credit report seen where there was a collection account from " Southwest Credit Systems '' for an account with XXXX or whomever it is with. 
I've never done business with XXXX or this company or ITS affiliates. 
PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS ASAP. 
I'M ALSO ATTACHING A COPY OF A POLICE REPORT RECENTLY FILED. 
THIS IS NOT MY ACCOUNT. 
SEIZE ALL COMMUNICATION EFFORTS AND REMOVE THE NEGATIVE INQUIRY EXPEDITIOUSLY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: NY

Complaint narrative:
XX/XX/2019 I made an extra payment of {$3000.00} to a specific loan to lower the principal. Instead, the payment was applied as " paid ahead ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Someone fraudulently opened 4 XXXX XXXX credit cards in my name that I just recently found out about and have been in contact with XXXX XXXX to dispute it, to have the fraudulent credit accounts removed from my credit and they refuse to remove the fraudulent accounts and are holding me liable for the balances on them when I never opened the accounts to begin with. I am not liable for opening the accounts or the charges associated with them and need the 4 accounts all removed within the next 15 days. XXXX XXXX is claiming they completed their investigation and found no fraudulent activity when there was in fact fraud perpetrated in my name.

Company response to consumer: Closed with explanation