vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-18 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: MO

Complaint narrative:
I have a collection account recorded on all 3 credit reports from XXXX saying I owe them {$790.00} and I have no knowledge of this account. Ive disputed it, yet it still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: MO

Complaint narrative:
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & CONTRACT CALLERS INC. Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your  company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

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 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MO

Complaint narrative:
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & HUNTER WARFIELD Debt under penalty of perjury.

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & PORTFOLIO RECOV ASSOC Debt under penalty of perjury.

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: MO

Complaint narrative:
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & XXXX XXXX XXXX XXXX  Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g. 

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
I have made contact with Prestige Financial Services Administration MrXXXX XXXX, XXXX and XXXX and respectfully told them that l am returning the vehicle to Prestige as they can not accept payments of {$270.00} or {$280.00} @ month on Auto loan. 
I have been having issues with Prestige on auto loan and unaffordable payments and high interest rate of 17 & since l purchase vehicle on XX/XX/XXXX. 
I am respectfully returning back XXXX XXXX XXXX XXXX with XXXX miles, immediately and vehicle is park in front of the house where l live at XXXX XXXX XXXX, XXXX, California XXXX. 
Vehicle is in excellent condition and l took pictures and video for a inventory. 
I am returning vehicle to Prestige and will not operate vehicle anymore and l have contacted California DMV that l am returning vehicle to lienholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I sent a certified letter XX/XX/2019 asking " WF DEALER SERVICES '' to provide me with A verification letter about A loan showing on my credit report XX/XX/2019. The company does not list a phone number on the report, but instead lists a " By Mail Only '' so I assumed the address they are using is up to date and accurate. I received an alert on XX/XX/2019. stating that my letter was being " Returned To Sender '', because the address was " Not Known '' at the delivery address noted on the package. " If the information being reported is inaccurate it is illegal for it to be reported. Please help me have the company comply with the FCRA and either update its information that is being reported to the credit agencies or remove the information all together if they can't provide accurate information. I had 2 accounts lower my credit limits and 1 close altogether because Wells Fargo Dealer Services is reporting incorrectly.

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 2019-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX told me that the company will help me negotiate my debt to all my creditor, Never informed me that some creditors will never negotiate. I am being sued by American express owed {$7400.00} and XXXX owed {$2700.00} in credit card debt. I notified freedom debt that american express and XXXX sued me. According to XXXX XXXX which is National litigation will help me resolved the problem becaused they do not take care of legal natters. XXXX XXXX emailed me last XXXX XXXX under XXXX and XXXX, XXXX the power of attorney to be notorized and returned the letter the agreement hires them to negotiate and settle my account. Unfortunately, american express and XXXX does not want to negotiate with them. Now, XXXX XXXX wanted me to directly negotiate with my delinquent creditors because they do not take care of legal matters. XXXX terminated my case because someone from XXXX debt terminated it. I notified freedom debt and national litigation that I submitted the letter to court. I am expecting that the company will help me resolved my problems by helping me negotiate with my debt. XXXX sent me the letter XXXX saying I withdrew my membership which I did not do. Can someone help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have never missed a mortgage payment in 10 years with wells fargo Recently i have been paying down my mortgage with principal only payments Issue is WF continues to misapply funds. Regular payments of XXXX {$1400.00} have been paid for 10 years. I pay from my credit union account to wells fargo. The payments get applied as principal and vice versa, principal only payments $ XXXX {$4000.00} per payment, get misapplied as well. 

My account is now over due and late fees have been applied. 

I have contacted wels fargo 5+ times to get this resolved. They tell me it is a " software coding '' issue. 

I am concerned that my credit rating will be impaccted by this. 

I am not in or near finanical distress this is an administrative issue that needs to be resolved by Wells Fargo Well Fargo has told me 3 + times that the issue is " resolved '' but it  continues to persist. 

This issue is active and has been ongoing for the past 3 months or so

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 2019-12-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a certified letter XX/XX/2019 asking " XXXX XX/XX/XXXX XX/XX/XXXX'' to provide me with A verification letter about A loan showing on my credit reportXX/XX/2019. The company does not list a phone number on the report, but instead lists a " By Mail Only '' so I assumed the address they are using is up to date and accurate. I received an alert on XX/XX/2019. stating that my letter was being " Returned To Sender '', because the address was " Not Known '' at the delivery address noted on the package. " If the information being reported is inaccurate it is illegal for it to be reported. Please help me have the company comply with the FCRA and either update its information that is being reported to the credit agencies or remove the information all together if they can't provide accurate information. I had 2 accounts lower my credit limits and 1 close altogether because XXXX XXXX XXXX XXXX is reporting incorrectly.

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 2019-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2019 my PayPal account was charged XXXX Euros for a friends and family payment that I did not authorize. The amount after fees was XXXX euros. I opened up a problem ticket to report the fraud. The case number was XXXX. They closed the ticket as being not covered under their Purchase Protection Plan, as it was not a purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: NJ

Complaint narrative:
On XX/XX/2019 I filed a complaint with Paypal concerning a charge on my debit card. Paypal failed to  determine whether an error occurred within 10 business days. On XX/XX/2019 I contacted Paypal and asked if there was anything that I should do to complete the claim, to no avail. No provisional credit was provided and no determination of whether an error occurred was provided until XX/XX/2019 when my claim was first denied.. I request a final provisional credit be provided by Paypal. On XX/XX/2019 Paypal received additional documentation from me. On XX/XX/2019 Paypal merely said that the next update would be on XX/XX/2019, to no avail. I requested another update and on XX/XX/2019 Paypal said no provisional credit issued because of the nature of the dispute with merchant.On XX/XX/2019 in response to another request for an update from me, Paypal said my dispute not covered by Regulation E. On XX/XX/2019 again in response to, my request for another update, Paypal said it was not a billing error. 

Paypal violated 12 C.F.R. Sec 1005.11 ( c ) ( 1 ).

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 2019-12-18 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: GA

Complaint narrative:
At the end of XXXX, I filed an affidavit and a police report to have some items removed. I received a completed investigation letter by mail. It stated that on XX/XX/XXXX that the disputed items have been removed, which stated that the items were not currently reporting on my credit report, but when I updated my credit report, the items are still reporting on my current report. Equifax is violating the Fair Credit Reporting Act because this company is still reporting fraudulent items on my credit report. I have contacted my attorney and my next steps includes filing a lawsuit with the court. Please correct this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2019 I had someone try to apply a Capital One credit card under my name and it was put under as a hard inquiry. I talked to Capital One about this and they told me it would take 60 days for it to be gone but it has been over 60 days. There was also another one on XX/XX/2019 an inquiry for XXXX XXXX which I did not approve either. 

Apparently on XX/XX/2019 someone took my Uncle 's  check and put down my name for {$2300.00} dollars on a XXXX XXXX check and wired it to XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Performant Financial Corporation
State: IN

Complaint narrative:
I received a letter from my bank stating they received a court document stating that a levy by Premiere Credit of North America LLC for state taxes ( Indiana ) be placed on all accounts with my name on them. What was attached was not a court document. I contacted my bank for the document that could not be produced. I contacted Premiere Credit of North America LLC and I have not been able to reach anyone at anytime of the day. I have left several messages with no replies. Premiere Credit of North America LLC have violated my HIPAA rights in the this matter.

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 2019-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
On the evening of XX/XX/XXXX, Mid-Atlantic repossessed my vehicle at 47 days past due. I did not receive any written notification, voicemails and only received 1 email in regards to this issue. My vehicle was purchased in XXXX, from a buy here-pay here dealer ; however, my loan was sold to Mid Atlantic financial a year later without my knowledge. I have made every payment within a 30 day window since my loan was sold to this company and this is the first time my loan has gone this past due. There are a number of issues regarding this repossession, the first including that the tow truck driver came into a public establishment, and announced that my car was taken from in front the building. The lack of communication, and customer loyalty is astounding. After almost 2 years of timely payments, my vehicle was taken without due notice or any consideration for me as a consumer. 

I attempted to contact the company on XX/XX/XXXX at XXXX XXXX   and XXXX XXXX, and was given little information regarding this repossession. After speaking with two representatives, I asked to speak with a supervisor, but was left on an extended hold that ended with my call being disconnected. As someone who works in the finance sphere, I understand that it's my responsibility to adhere to my contractual obligations, but I do not agree that this was done fairly or at a reasonable time period - given the industry standard is 55-60 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
On XX/XX/2019 I had someone try to apply a XXXX XXXX credit card under my name and it was put under as a hard inquiry. I talked to XXXX XXXX about this and they told me it would take 60 days for it to be gone but it has been over 60 days. There was also another one on XX/XX/2019 an inquiry for Exeter Fin which I did not approve either. 

Apparently on XX/XX/2019 someone took my Uncle 's  check and put down my name for {$2300.00} dollars on a XXXX XXXX check and wired it to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
Good Day, Citibank / Home Depot account XXXX Starting in XX/XX/2019 we have had issues with Citibank Home Depot Consumer credit services teams. I have had over 6 phone troubleshooting, supervisor escalations, and efforts with both Citi and Home Depot IT teams in efforts to " fix '' their problem. The payment situation was concerning promotional balances and payments not applied properly causing delinquent situation when payments were indeed made in plenty of time, AND requested ( on phone with a supervisor ) to be applied properly to avoid deferred interest charges. 
It is now XX/XX/XXXX and again I am now blocked from access to my account online, the customer service professional this morning was not able to get a supervisor, as they are not on duty during all the available customer access hours on phone! 
I am reporting https : //citiretailservices.citibankonline.com, homedepot.com/mycard, which is the collective of both corporations credit services teams for inability to allow continued access to my credit card account, to make timely payments to my account, and to get service on my issue. 
XX/XX/XXXX was hung up on by XXXX from Citibank XX/XX/XXXX XXXX able to assist in effort to resolve access issue, access restored XX/XX/2019 ( XXXX/XXXX-Supervisor ) Statement incorrect, shows delinquency and interest charges when payments were made from online access restored on earlier calls. Made payment XXXX only available option is by phone at this time ). 
XX/XX/2019 XXXX XXXX ) Assisted by getting Supervisor to remove me from review list ( outsourced credit card disputes ) and indicated my account was being addressed at that time to avoid further delay as I had waited the 2 billing cycles to see adjustment for interest charges. Again making Payment by phone as access is not restored to account via online. 
XX/XX/2019 received email indicating there was important message for me to read about my Home Depot Credit Card. AND, access is blocked once again, message to update profile, will not accept email provided. Called and spoke to XXXX at Citibank, unable to resolve, nor was able to escalate due to supervisor unavailable. 
At this time I am not able to access my account, and only can make a payment using a telephone. With history of incorrect applications of payment, I fear another situation where I get charged interest I should not be, and not able to SEE transactions on account. 
Message for those reading this complaint, DO NOT GET A HOME DEPOT CREDIT CARD, use another bank card that offers promotional balance offers instead! 
Please investigate this credit card group for inability to provide services to their customers and charging interest on purchases that have been paid in full. They are in breach of contract made when I purchased products.

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 2019-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Contacted company by phone to get a copy of original debt. Statedthat I would be directed to a manager. Spoke with manager and requested copy of original debt. Was told the process of setting up a payment arrangement. I stated that I did not want to do that and that I need a copy of the original debt. They proceeded to repeat the process of setting up the payment arrangement. So essentially I need to pay them prior to getting a verification of debt which is against the law. They stated that they would send a copy of original debt but it has notbeen recieved.

Company response to consumer: Closed with explanation