vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-21 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: HW Holding, Inc
State: PA

Complaint narrative:
On XXXX XXXX XXXX, received call from associate XXXX. Said associate failed to provide proper call disclaimer. 

I immediately asked said associate to provide the name of the person that called my phone two days ago. Said associate disregarded the question and proceeded to third party debt collection requests. I asked a third time and was asked why u needed the name. I inquired of the name because the associate that phone left a voicemail advising the call was from a debt collector ... which is against FDCPA requirements. XXXX persisted today advance her script of collecting the debt and I refused to entertain as my question wasnt answered. XXXX advised it was my debt and that my credit would suffer and disconnect d the call. 

I called the company back. Asked to speak to a manager. Call was transferred to XXXX XXXX. Initially said manager appeared attentive and concerned. However, he then disengaged and proceeded to collect his alleged debt. I advised my complaint about XXXX was not addressed. After moments of back and forth the manager wanted me to give permission for him to discuss the debt. I advised I never received the requir d thirty day notification. Manager advised the letter was sent twice. I not d I called in a few weeks ago and was provided a website to pay the alleged date with th account number. However said manager noted there was no inbound call from me noted in the record. When I pressed the topic, his storyline changed to acknowledge the call. However when it was apparent I wasnt acknowling th alleged debt XXXX advised he had other callers willing to pay their debts and I could call back when I was prepared. He disconnected the call.

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 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
XXXX initiated a hard credit inquiry without my authorization. I called TransUnion to have it removed, and TransUnion refused to remove it without a letter from XXXX. XXXX will not tell me why they pulled my credit. They state that I must talk to their fraud department, but claim that they cannot transfer me internally (allegedly their transfer system is down?!), and both number that they gave me for their fraud department are "not in service" according to the operator. TransUnion has completely refused to remove this fraudulent hard inquiry, and XXXX has made it impossible for me to reach their fraud department to request the letter. I need your help to resolve this Catch-22. 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 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
In mid-XX/XX/XXXX, I received a collection notice from Diversified about a debt owed to XXXX. I was unaware the debt existed, but paid it nonetheless. I was just thankful that the Fair Debt Collection Practices Act allows individuals 30 days to address a collection account before it shows up on one 's credit report. 

Unfortunately, this account showed up on my credit report anyway ; even though I paid inside of the 30 days allotted. To make matters worse, I am in the process of purchasing a home, and the appearance of this {$110.00} bill dropped my credit scores 35 points and is now preventing me from completing my mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I ordered a textbook online advertised as the US version.  What I received was the much cheaper, and not useful to me, international version. I tried to return the item to the merchant, but they never responded. I then proceeded to dispute the charge with Capital One, but they failed to address the issue as required by federal law, state law, and the terms of use for the credit card itself. 

XXXX XXXX MerchandiseXXXX XXXX XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX Purchased : Fri, XXXX XXXX, XXXX Posted : Mon, XXXX XXXX, XXXX Purchased By : XXXX XXXX Appears on statement as : XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
Accepted a loan from Southern Auto Finance Co in XX/XX/XXXXXX/XX/XXXX I noticed discrepancies with my balance when I began to double/triple my minimum paymentXX/XX/XXXX the company admitted the mistake and reversed my payments and applied them to principal as intendedXX/XX/XXXX-XX/XX/XXXX no issues noticed, will have to go back over my records to re-verifyXX/XX/XXXX payment for double the minimum is made and is split by the company and applied going forwardXX/XX/XXXX a payment for triple the minimum is made and is again broken up and applied to future monthsThey were contacted today XX/XX/XXXX because I was going to make my final payment and close out the loan but noticed only XXXX were applied to my principal in XX/XX/XXXX (my statements are not available online so I will have to wait on them to respond to my request for an amortization table)I believe they are undertaking this practice to extend the length of the loan and squeeze more interest payment from consumers. My payment history and pattern is directly opposed to their profit motive because I will be finished with my loan almost 4yrs early. I would like my payments applied to principal and interest on the timeline I dictate not what is most convenient and profitable for them. I believe I am being penalized for paying off my loan early.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc.
State: CO

Complaint narrative:
On XXXX/XXXX/2017 I walked into Conns and gave them a payoff check for our merchandise. The check exceeded the amount due because Conns did not report the accurate amounts to my lender for mortguage refi. They owe me around 4600 and  advised me they would send this to the corporate office and in 10 business days they would send me the refund. I called 2 days later to the corporate office and it was confirmed that the money would be received in 10 business days. This last Monday I reached out verbally as was advised it was going to take 30 days and they had no clue where my money was or what the process entailed and then I sent a complaint through their automated system where it took 5 days for them to get back to me and I was advised that their accounts payable team has n't heard anything. No one can seem to locate the money or overpayment and yet they have cashed the check and it has cleared. It is unfair that not only are they sitting on the refund gaining interest but refusing to communicate internally and advise me of where they are in the process. I believe I should be given the correct time frame to process as well as where they are in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received several prepaid US Bank XXXX cards ( {$25.00} ) as wedding gifts ( inXX/XX/XXXX ). We saved these cards and used them as expenses came up.

This week (XX/XX/XXXX ), we went to use this card and found that the balance had nearly been depleted by inactivity charges applied to the card ( $ XXXX/month after 12 months ). While these charges are permitted by federal law, the card states that the deductions will not be made in states that prohibit the fees. California is one of these states - though certain exceptions can be made.

According to dca.ca.gov, the rules governing gift cards and prepaid cards are as follows : " A gift certificate or gift card can not contain a service fee, including a fee for dormancy ( non-use ).

However, there is an exception from this general rule for a gift card where : -- The value remaining on the gift card is {$5.00} or less each time the fee is assessed ; and -- The dormancy fee is {$1.00} per month or less ; and -- The card has been inactive for 24 consecutive months ( for example, no purchases, " reloading, '' or balance inquiries ) ; and -- The holder may reload or add value to the card ; and -- The card has printed on it a statement in at least 10-point type stating the amount and frequency of the fee, that the fee is triggered by inactivity, and at what point the fee will be charged. This statement may be on the front or back of the card, but must be visible to the purchaser prior to purchase. '' None of the criteria listed was met by XXXX, US Bank, or whichever entity issues these fees on their behalf.

I requested the fees be refunded and I was told they were not obligated to return the funds. I persisted and they agreed to submit a refund request, but that a refund was still " not guaranteed. '' They first said it would take 24 hours to post, then 48, and now they are saying 72 hours. I fear that this will continue until I give up.

I am not the only one to have been the victim of these illegal fees and charges. Until these companies are held accountable they will continue victimizing unknowing customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
According to 12 CFR 1024.41 f -- -- We allegedly missed one payment in 11 years- Nationstar can not locate the check. 
Nationstar has foreclosed our mortgage for alleged non-payment of escrow. 
We have an escrow waiver and the mortgage allows us to repay the lender in the event we miss any payment. 
We have always paid our own taxes and insurance. 
There is no escrow in our periodic payment. 
Nationstar has allegedly opened a forced escrow account saying they paid {$140.00}. for us ; We immediately reimbursed Nationstar the {$140.00} as per the terms of our mortgage contract. 
Nationstar has NEVER paid anything on our behalf. 
They will not abide by the terms of the mortgage and refuse to admit they are wrong under the law. 
The CPFB rules do not permit a servicer to foreclose under any circumstances unless there is a default of payment of money for more than 120 days Nationstar has hired counsel who refuses to do discovery so we do n't know the basis for the foreclosure. 
Nationstar has returned 18 periodic payment checks to us thereby causing a manufactured default. 
I want Nationstar to state the law which allows them to take these actions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: NY

Complaint narrative:
Portfolio Recovery is trying to collect debt from me but all they have is my name, they Social security they gave me is not mine and end in XXXX or something. 
I need them to remove it from my account as it 's not mine and they report false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
After looking at my credit report I saw this company, IQ Data had reported a collection account on my file. Knowing each company is to be bonded, I searched the Texas Secretary of State 's website and saw that their bond expired about 2 years ago. I wrote to them stating they are not operating their business legally and to cease collection as well as remove the item from my report. Despite me pointing this out to them they responded with a bill and has still yet to get a bond to try and collect the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
On my credit report I am showing a past due balance for the XXXX XXXX XXXX at XXXX XXXX which has been paid in full since XXXX XXXX, 2017 which should have been rectified to all three credit bureaus. I was told once the issue is resolved my credit score will increase or will go back to what it was before I had this debt which I slowly paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express offers a checking account replacement/prepaid card called 'Serve ' which I 've used for over two years in place of a standard debit card and checking account. Two days ago, I initiated a transaction over the phone using the card in the amount of {$910.00}. I gave the card # to a representative of the merchant and hung up, in anticipation that they 'd run my card and delivery my goods. Instead, I got a call from the merchant saying that they 'd tried to run the card and it was declined. After investigating, she realized that she 'd tried to run the card for {$2000.00} instead of the amount she was supposed to. When I checked my card account, I discovered there was a 'hold ' in the amount of {$930.00} - the entire available balance, on the card and the remaining available balance was {$0.00}. From the viewpoint of the merchant, they got only a 'decline ' message and no 'auth ' code. From my point of view, I was charged {$930.00} - an amount I did n't authorize. When I contacted XXXX, they claim the hold was a procedural matter and that it would expire in 7 calendar days. This is now 4 days before Xmas and I was forced to make a SECOND payment to the merchant of the original {$910.00} and after 6 subsequent phone calls to XXXX, I was stonewalled, told there was 'nothing they could do ' and even hung up on by a representative who grew tired of hearing my complaint. 

This ... practice ... must ... stop. There is NO legal basis for a bank, credit card company or prepaid card provider to hold or make unavailable funds subsequent to a DECLINED transaction. It 's like saying, 'well, you did n't have enough room for that transaction ... but now we 're going to hold on to what you DO have ... for 7 days '. HOW has this been allowed to go on? This is unfair to consumers and only pads the assets of big banks and credit providers temporarily at the expense of our finances, cash flow health ... and our sanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
cra violation no knowledge of accounts po report sent to XXXX and local po dept

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
I had received XXXX XXXX in XXXX of XXXX that was given to me on Coinbase as part of a XXXX XXXX class. 

In XXXX XXXX XXXX the money was taken from my account. 

Original Wallet XXXX XXXX  XXXX I recently made an inquiry with coinbase and they deleted my history. 

It ended up in this address which seems to be related - XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I received an automated call from an undisclosed company asking me to call back. I called, and was advised that there has been a complaint filed against me by my creditor. I was informed that I was going to be taken to court if I did not agree to pay a settlement offer at the time of the phone call. I was told I would be sued for Breach of Contract as well as An Attempt to Defraud a Financial Institution. The caller never disclosed that this call was " an attempt to collect a debt '' and further advised " you have been officially notified. '' I asked who he represented, to which he replied he represented a company called " XXXX XXXX XXXX '' and that his company was retained by Chase to pursue this matter. I asked him to allow me to contact Chase to determine the validity of the debt. He advised that if I do n't accept this settlement offer now, he would mark my paperwork with " refused to pay '' and would " push '' it through the system. I requested again the opportunity to contact the " original creditor '' to which he replied, " Do n't worry, we will find you. '' I hung up the phone at this time and called Chase immediately. Chase advised me that there is an old account that they no longer own and do not have any information on the account. Chase assured me they would not have hired any company to call and tell me that I was being taken to court as they no longer own the debt. Chase advised that I have no further dealings with them regarding this old debt that they sold in XXXX ( 8 years ago ). The man for XXXX XXXX XXXX also advised that they will be filing a garnishment on my social security number and assured me they would get their money. The calling automated number was form Alaska : XXXX and I was provide a file number that I will be happy to provide upon request. The date and time of this call was XXXX am MT and the return call was at XXXX XXXX MT on XXXX XXXX, XXXX. The amount advised was {$2800.00} with a settlement offer of {$990.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
cra violation no knowledge of accounts po report sent to XXXX and local po dept

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
cra violation no knowledge of accounts po report sent to XXXX and local po dept

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax is reporting collection account XXXX XXXX XXXX, XXXX for amount of {$670.00}. I have disputed this collection with Equifax several times as this collection does not belong to me. I have also sent XXXX XXXX XXXX, XXXX a debt validation and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX/XXXX/XXXX {$3300.00} /was going to settle for {$1500.00} installments via money order. 

On date shown above, i called Professional Debt Mediation based in XXXX, Florida to try to make a settlement to take care of the balance and it was a XXXX XXXX  employee got fiesty with me because i told him instead of me paying via Debit/Credit Card or my bank account, that I was going to send a money order instead due to past hiccups on my bank.The gentleman started to be irate with me and saying i cant pay with a Money Order but theres a Law stating they cant regulate how I can pay.Then he proceeded to state that if I dont pay with other forms than it will be just sitting on my credit.So right before i got off the phone I asked him if call was recorded and he said it was so in the future theres evidence of the phone call.They did this to me back in XXXX but i wasnt aware of my rights then.They Also called my job in the past when i asked them multiple times not to and they kept doing it until they finally stopped

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Worldwide Processing Group, LLC
State: CO

Complaint narrative:
This company has over the past 2 weeks called me several times daily, leaving messages & harassing me when I do pick up. They 've insisted on acquiring my address, my bank account information, my employers name & address, etc & up until today when I called to ask for the address & business name, refused to communicate to me who they were or what they are trying to collect for. Furthermore, I told them to stop contacting me, at which point they claimed they will continue to trace me by contacting all of my relatives and any/all references I 've ever used in the past. They then proceeded to call my ex-husband & my parents & threatened both of them to give any/all information they currently have about me so that law enforcement may find me & put me in jail.

Company response to consumer: Closed with explanation