vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 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: NY

Complaint narrative:
Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 3 accounts reporting to Equifax which are fraudulent & I'd like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Back in XX/XX/XXXX, I was wrongfully terminated as stated in my first complaint with the bureau. I contacted XXXX XXXX ( XXXX ) credit card customer service around XXXX to inform them of the situation. They offered a hardship program and I accepted. Months went by as I continued to make the payments. I signed into my online account to check and see the progress I made, then discovered XXXX XXXX, the insurance program I signed up for was charging my card as usual. I realized it slipped my mind that I had been paying for insurance, however, no one reminded or offered this benefit at the time. On XX/XX/XXXX, I contacted XXXX about this, they said I would have to contact XXXX XXXX, I did. I was told theyll take care of my payment due that month, in the meantime, I needed to provide documentation of unemployment. I was sent an email the same day from, XXXX Not sure why the form is dated XX/XX/XXXX now ... but I received it XX/XX/XXXX. On XX/XX/XXXX, I completed and emailed the paperwork as instructed. I cant find the first follow up letter I received in the mail but last month I got a letter stating I needed to verify I was unemployed. I called XXXX XXXX   and told them that I did send the info, the rep said I will be receiving another form with more detailed instructions. As you can see where it says, Second Request I got the exact same notification. Im still responsible for my payments to XXXX  and still being charged for insurance so Im not making any progress. XXXX  XXXX is taking between $ XXXX {$13.00} a month and my monthly payment is {$13.00}, I owe {$650.00}. This shouldn't be if I have insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
They charged me two HSA paper statement fees. When I called a branch, they said they had no power to switch me to electronic and that for refunds, I would need to go to the branch that opened it. But I am scared of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 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 — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/18 I rented a car signing the attached agreement number XXXX which made no reference to a minimum rental period. At the time of rental return that day ( the contract clearly lists " MIN 1 day '' ), XXXX imposed an early return penalty not mentioned in the contract, which I tried unsuccessfully to resolve at the XXXX counter at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Wells Fargo subsequently upheld the fraudulent charge, and is therefore a party to the fraud, which is not surprising given it recent history of fraudulent activity.

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 2019-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
There are two separate issues. 

First, I received a letter on XX/XX/2019 after the escrow true-up in XXXX that said the escrow was short and I needed to send in extra dollars. The letter itself gives no explanation or steps on how to actually make this payment. I then called customer service and was told to make the payment in the normal way. However, the extra payment was not applied to my escrow and they complained that I had not paid it correctly. Escrow payments should be handled more carefully. Further, they've told me that they've now fixed this and applied the payment correctly but have refused to send me any documentation at all to confirm that this is true. 

Secondly, Select Portfolio Servicing missed sending me my XXXX statement. The CSR said that " the computer must have accidentally skipped your account ''. She's now ordering me a new statement which will take 1-2 weeks for me to receive ( after the payment due date ).

More generally, Select Portfolio Servicing is not transparent with customers on policies, requirements, payments, or balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
The debt collectors have released information to a third party about a civil lawsuit against me. I have repeatedly asked them to stop calling any third partys & they continue to harass them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am attaching a copy of the investigation request that I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.

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 2019-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In 2006 I opened a free checking account with Bank of America. The problem arose when the account was overdrawn by around {$340.00}, give or take. It did take me 1-2 years ( I was a student at the time, paying my own way for books and tuition, upon working to sustain my other immediate bills ), until I was able to reconcile and close the account with the bank with the full amount that was due. I have not heard anything about this incident until the past 6-9 months. The agency contacting me is XXXX XXXX XXXX , XXXX, based at XXXX XXXX XXXX , XXXX. XXXX, MN XXXX. I have not received any type of paper notification from either the bank or this agency, but have recently been receiving phone calls within the correct debtor calling hours as is their right, however, I have repeatedly ( well over 5 times ) asked them to place my number on their " Do Not Call '' list as it is my business number and that this debt was already taken care of well over 10 years ago. I am still receiving phone calls from them stating that they are now wanting to collect on behalf of the bank, but as we know sometimes things get mixed up in the transfer of debtors ' records. I was a XXXX XXXX for a XXXX XXXX XXXX and I know my rights as far as asking them not to call me again, same for not using the number given to them. I want to report them for continued harassment and would very much appreciate someone looking into this for me, as it is now interrupting my business in a negative way ; also in personal ways. I do also intend to notify the agency in writing to the address provided me as per Sub-Section 806 : Communication in Connection with Debt Collection, paragraphs ( a-c ), as stated in the FDCPA. Please let me know at your earliest convenience what we need to do to proceed forward with this complaint. Thank you. 

Also, I do not have records of this bank or the account number, amount owed, etc. as it was so long ago.

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 2019-01-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am attaching a copy of the investigation request that I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am attaching a copy of the investigation request that I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.

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 2019-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
So this company called Credit Systems put a {$39.00} dollar debt on my credit report saying I owe this debt. Kind of funny how this debt originated because never have I been notified that this was an active debt. I have never received a bill regarding this situation from the so called original creditor, and never was I notified by this Credit Systems Debt Collector that I owe this debt.

This so called Debt Collector has sought and set-out to destroy my credit scores by throwing this debt on my XXXX  Credit Report.

I feel this is something that should be brought up to legistation and signed into law, that should prohibit debt collection companies to notify the consumer 30 days prior to reporting the debt to the credit bureaus. It should be illegal to do such a thing and this is something that I will even notify my State Representative to persue this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
i do not know what this debt is, i never opened a XXXX  account in XX/XX/2018, i did an XXXX  dispute and they wont take it off my credit report. i've had XXXX  for 7 years. 

Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/2018 {$730.00} {$730.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a Capital One 360 Money Market account on XX/XX/XXXX using promotion code XXXX, and fulfilled the requirements of this offer with cumulative deposits as of XX/XX/XXXX. Although the required 60 days have passed. Capital One contends I am ineligible for the {$500.00} incentive due to not depositing {$50000.00} all at once. However, the terms of the offer were plainly written and do not require the deposits to be made all at once : " Here 's the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). '' My deposits were in excess of {$50000.00}, came from external banks, and were completed on XX/XX/XXXX. However, the incentive was not deposited even though it has been more than the 60 days required in the terms. 

I wrote to Capital One by mail on XX/XX/XXXX and again on XX/XX/XXXX, but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
1 year About received payment from program government never get till now .. because I'm no have experience in program so. What I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
I never received a bill from XXXX XXXX XXXX in XXXX. It was a {$200.00} bill from XX/XX/2016, for my son when he was born. I had two insurances at the time. ( XXXX XXXX XXXX XXXX XXXX XXXX ) The bill was sent out to XXXX XXXX but never got billed to my secondary insurance, which would have taken care of the rest. I have made calls to both the hospital and the collections agency XXXX and have been told the bill is so old the only option is to pay it. XXXX offered me 20 % off the bill if I paid them right now, and said the only way it can come off my credit is to pay it. I cant understand how I never received a bill or any document notifying me I was going to be turned into collections. If I had, this would have been cleared up through insurance. I want this removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CITICARDS CBNA is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to CITICARDS CBNA along with a notarized affidavit claiming fraud. CITICARDS CBNA is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like CITICARDS CBNA to close their files which have any information with my name & social 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 explanation
Consumer complaint received 2019-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: FL

Complaint narrative:
Loan was sold have not recieved any notification from new lender. My payment is due is 7 days. I have waited on hold with old lender they never answer phone. 

Can you please help me resolve this at your soonest convenience. I do not want to be penalized. I have recieved no notices. I have never been late on a payment in my life.

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 2019-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ROCKFORD MERCANTILE AGENCY, INC.
State: IL

Complaint narrative:
I received notification from Rockford Mercantile Agency in  XXXX, IL in XX/XX/XXXX stating I owed {$150.00} to my former leasing company. However, this debt was paid off in XXXX. I called Rockford Mercantile and spoke with someone name XXXX, before the 30 day time frame was up, and they said I could send them a receipt to their email. I sent the receipt and never got a response that they received it. On XX/XX/XXXX, the collection was reported to my credit. On XX/XX/XXXX, I sent a letter offering to pay a settlement to get this removed from my score. I have yet to receive a response, however, they re-reported the debt on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX I received a XXXX XXXX XXXX Card and used the card. Once using the card I ran into financial trouble and asked the company to work with me to make payments and discontinue the usage of the card because it wasn't within my budget and I was forced to cut my budget. I explained that I would make the payment until it the card was paid off but I noticed every time I received the bill the interest kept accumulating. The bill soon went from XXXX to XXXX. Then they sent me to court for XXXX and sold the account over to a law company XXXX XXXX XXXX, again I attempted to negotiation the cost. I was in bankruptcy for five years XXXX closed XX/XX/2018 and failed to include this company for some reason. I call and made arrangements with the law company to make {$54.00} on the XXXX of every month since XX/XX/2018, but I'm beating a dead horse because they continue to accumulate interest and I'm going nowhere right now the funds has increased to XXXX. I feel that this is so very unfair to me to consider to pay this debt. I have a family and attempting to make ends meet and this debt is a issue that continues

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24 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: NC

Complaint narrative:
I have disputed fraudulent accounts from XXXX - XXXX or accounts that need to be removed on my credit report for over years to Transunion and XXXX and nothing has been done. 

Transunion : XXXX XXXX XXXX {$230.00} - This was fraud XXXX   XXXX {$0.00} - I want this removed. This account was paid off. 
XXXX ( XXXX XXXX XXXX ) {$630.00} - Fraud account. I had two for this company the other one was for the amount {$470.00} that was deleted not sure why {$630.00} account wasn't. 
XXXX XXXX ( XXXX XXXX XXXX ) - Fraud account which was deleted by XXXX  XXXX XXXX {$320.00} - Fraud account that has been on my account since XXXX and still not removed XXXX  ( XXXX XXXX XXXX ) {$470.00} - Fraud account that has not been removed XXXX : XXXX XXXX {$320.00} - Fraud account XXXX   {$0.00} that I want removed account was paid off. 
XXXX XXXX XXXX {$1400.00} account was paid off I want it 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 2019-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My consolidation was denied even though Iv been paying my loan for six years without missing a payment.

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 2019-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: CA

Complaint narrative:
I am applying for a business line of credit. The bank informed me that it can not approve me because there is an account in collections on my credit report. The collections company is Choice Recovery Out of XXXX Ohio and they are collecting for a company called XXXX XXXX XXXX. According to my XXXX  Credit report the account was opened XX/XX/2014 and has a balance of {$580.00}. After several calls to Choice Recovery inquiring as to the reason for the debt one of their representatives informed me that the original company XXXX XXXX XXXX  has been dissolved and they have no information about the original debt. When I asked about how they would contact XXXX XXXX XXXX I was told that there was no phone number only a XXXX   XXXX XXXX, XXXX Fl XXXX. The following address and phone number listed on line : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida USA Phone : XXXX. 
The phone number is disconnected. 
Prior to this I have never even heard of XXXX XXXX XXXX and have had no dealings with them. 
A XXXX search of XXXX XXXX XXXX revealed numerous complaints of people whom have experienced the same things : XXXX XXXX XXXX XXXX XXXX XXXX Choice Recovery Inc has 127 complaints with the better business bureau : XXXX : XXXX I have already filed a dispute through XXXX  and was told that it would take up to 30 days to get a resolution. 

Thank you for your time and consideration in these matters. Your anticipated assistance and prompt reply is greatly appreciated. 

Best regards, XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation