vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Recovery One, LLC
State: VT

Complaint narrative:
at XXXX XXXX EST on XX/XX/XXXX, I received a phone call on my XXXX that said it was from my stepmother XXXX. When I picked up the phone, it was a debt collector who called herself XXXX. When I insisted she tell me how she got my stepmother 's phone number, she refused to answer me and kept talking about a debt I supposedly owe. I asked her twice. She also refused to identify what debt collection she was calling from, then promptly hung up on me. 

" XXXX '' also left a voice message for me on my stepmother 's phone. XXXX claimed to be leaving a message in regard to wanting authorization to do glass work on my XXXX XXXX XXXX - something I have not asked for. XXXX completely lied. 

XXXX 's phone number is XXXX. She works for : Recovery One XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Toll Free : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: GA

Complaint narrative:
I contacted XXXX, Equifax and XXXX about bankruptcy showing up on my credit report several times. They state that it was verified with the Court. However, in XX/XX/2018 I receive letters from the Court stating they did not verify the bankruptcy with any credit company. I did send them the letter and the bankruptcy are still on my credit report to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted XXXX, XXXX  and Experian about bankruptcy showing up on my credit report several times. They state that it was verified with the Court. However, in XX/XX/2018 I receive letters from the Court stating they did not verify the bankruptcy with any credit company. I did send them the letter and the bankruptcy are still on my credit report to this day.

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 2019-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC
State: KY

Complaint narrative:
My dispute is with Westlake Financial Services at XXXX XXXX XXXX, XXXX XXXX CA XXXX. I had an auto loan with them and had purchased gap insurance. I was in a car accident and totaled this vehicle, and westlake financial made it near impossible to file a claim. When I managed to file a claim they denied my gap claim due to making late payments during the course of my loan. This provision was not in my gap policy upon purchasing. I have been unable to dispute this course of action for over a year. I can not call them without one of their agents, who speak english poorly, either hanging up on me or their  automated system hanging up on me instead of transferring me to agents. I am tired of this being claimed as " Bad debt '' on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is charging me $ XXXX for some service that I never knowingly agreed to.

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 2019-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I called PNC bank dispute department XX/XX/XXXX. I was ask 10 verification unnecessarily. 
This man was XXXX  and out of his XXXX XXXX XXXX mind. 

On XX/XX/XXXX there was a charge on my account for a purchase I didn't make or authorize. I called the merchant and they e-mailed me a return label. I sent it back but I have not received the credit or refund back to my account. 

XXXX {$95.00} ON XX/XX/XXXX NOT MY TRANSACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: GA

Complaint narrative:
XX/XX/XXXX, I got laid off from my full time job at four months pregnant with my XXXX child. My spouse was not a legal resident of the United States, therefore he had to stay in his Country while all the legal paperworks were being processed on his behalf. My mother was mighty ill at the time trying to fight the life stealer XXXX and I was her sole caregiver and refuge of strength while fighting this XXXX. I was able to complete my course towards my Bachelors in XX/XX/XXXX. I gave birth to my daughter in XX/XX/XXXX. Now, I have to be caring for my newborn and my mother while doing job interview etc to get back on feet, it was not an easy task but I tried my best. With all financial factors I was facing I reached out to XXXX before my grace period end and they did not give me extra time or nothing to alleviate all that was happening to me. When it came to the time for me to repay the loan, my monthly payment was more than {$500.00}, I could not pay that. My mom passed away XX/XX/XXXX and I inform XXXX and begged for some leniency and they made it clear that there was nothing that they could do. I was willing to give them copies of my Mom hospital bills and death certificate because I was that desperate and they just didnt care. I didnt have the money to pay so I end up being late on my payment. This is not something that I proud of, this is something that I had XXXX control of. So now I have one negative mark on 22 loans with XXXX, which messed up my credit, because my report states that I have been late on a loan 22 times. If people at XXXX had a XXXX, they could at least ask me to show proof of my situation, which I could. I sent a Good will letter to the CEO XXXX XXXX, informing him of my situation begging him to remove the negative items so I can get back on my feet as a single trying mother. He had a representative call saying, they cant help me. This organization, has XXXX remorse for people. We are people! Not a target or goal. My loans are now consolidated on always on time never missed a payment, but those negative marks still remains. Earlier this year, we had a Government shut down and I was affected as a government contractor, I reached out to the CEO XXXX XXXX again, begging to remove the negative mark so that I could be approved for a loan, so as to help my family through that period and these cold hearted people called to say that they could not help me. Nothing has changed with XXXX. XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Good afternoon, I'm contacting you in reference to my Nelnet, Nelnet has  been updating my account as delinquent for the past 4 months ( 120 days ) My accounts were consolidated with XXXX XXXX and I explained that to this company. I was told that the account would be placed on forbearance and no reporting would go further as, they do see the accounts is in consolidation status. this has caused a hardship on my credit rating my score has dropped over 100 points due to the failed actions by Nelnet My credit rating score was above 730. As this is a hardship on my file. I am requesting the removal of the negative rating on my credit file be removed from all reporting agencies XXXX, XXXX, AND XXXX. I need this done ASAP, as Nelnet is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I attempted to purchase an airline ticket on XXXX with my ATM card issued by CITIBANK. The XXXX web site did not confirm the booking nor did I receive a confirmation via email of any ticket purchase, yet CITIBANK immediately deducted {$550.00} for the ticket purchase. I called CITIBANK on XX/XX/XXXX and told them about the issue. They told me that they had initiated a dispute on the charge. I contacted XXXX who told me that their site was not functioning, and that they would not process the charge since no ticket was ever issued. I called CITIBANK again on Friday, XX/XX/2019 and Citibank told me that they would not commence an investigation on the matter until the merchant would collect on the money or after three business days from the first posting of the transaction. I asked why they would not call the Merchant and release the transaction, and they told me that they do not do it until the merchant collects or after three days. That means that for three days CITIBANK has illegally used {$550.00} from my account, and collected interest on it. They further misled me into believing they would inquire into the transaction while they had a practice of not doing anything about it. This is a deceptive practice for the sole purpose of using account holders money without paying interest 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 2019-03-15 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: CA

Complaint narrative:
Equifax and XXXX are reporting me as 30 days late on the XXXX/XXXX   partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: CA

Complaint narrative:
XXXX and Transunion are reporting me as 30 days late on the XXXX/XXXX partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my credit score. I have disputed this directly with the two bureaus but the error has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts

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 2019-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I have tried to resolve my issues with wakefeild and associates for over a year. They are claiming I owe a debt to XXXX XXXX XXXX. I have asked for validation. They provided me of a printout of a supposed bill. with no information about XXXX XXXX XXXX.i have tried contacting XXXX XXXX XXXX to no avail. They do not appear to be an actual business. the phone number listed is not in service and the address is for a XXXX XXXX in XXXX. I have tried numerous times to get information about XXXX XXXX XXXX  from wakefield and associates. They have refused to give me any information on how to contact XXXX XXXX XXXX to verify that this infact a valid debt

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 2019-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
both conducted mortgage transactions without a title. 
Requested copies of the disapproval FHA application XXXX stated they had obtained. 
Requested copies of the RMA application package Requested a copy of the document which stated payments could resume Requested a copy of the foreclosure notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AES/PHEAA
State: FL

Complaint narrative:
Good afternoon, I'm contacting you in reference to my American Education Services, American Education Services has been updating my account as delinquent for the past 4 months ( 120 days ) My accounts were consolidated with XXXX XXXX and I explained that to this company. I was told that the account would be placed on forbearance and no reporting would go further as, they do see the accounts is in consolidation status. this has caused a hardship on my credit rating my score has dropped over 100 points due to the failed actions by XXXX and American Education Services My credit rating score was above XXXX. As this is a hardship on my file. I am requesting the removal of the negative rating on my credit file be removed from all reporting agencies XXXX, XXXX, AND XXXX. I need this done ASAP, as American educational service is doing illegal collecting and reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 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:
ftc violation sent it with the inaccurate information

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 2019-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: OH

Complaint narrative:
Several phone calls with the last on XX/XX/2019. I and everyone at this home have not had a loan from First Financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I was recently scammed in XXXX with the XXXX XXXX XXXX scam, they claimed I picked up the suit 2 days later even though I was no longer in the city anymore and forged my signature. I provided all documentation and proof I was not in the city anymore and that I never got the suit because the address given was not the same place the driver took me. Credit card company refuses to open back the case after I submitted airline bus tickets food purchases as proof that I was not in XXXX, currently at a lost of {$610.00}

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 2019-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
We have a Barclaycard Ring Mastercard with Barclays. To date we have owed three payments, two made electronically through our bank, XXXX  XXXX XXXX, and one by phone. Both electronic payments were made on time, but both times Barclays claims not to have received the payment and charged us late fees. In the first instance, Barclays finally acknowledged the payment and reversed the fee. In the second, there has not yet been any resolution. We have contacted both Barclays and XXXX XXXX XXXX. 

Note Barclays for some reason does not accept electronic payments from other banks : the sending bank converts the payment to a check, meant to be received by the scheduled day. In both these instances XXXX XXXX XXXX sent the payment, to be received on time, and deducted money from our account on the schedule day ; in both instances Barclays 1 ) cashed the check five days later ( according to XXXX XXXX XXXX ) ; 2 ) did not acknowledge cashing the check even a week afterwards. 

Either Barclays back office systems are horrifically bad, or, more likely, this is a systemic practice to generate late fees and trigger higher interest rates based on penalty clauses.

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 2019-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I set up automatic payments for my credit card from my pnc checking account. Minutes after setting it up, I chatted with an online representative to ensure that it was set up correctly. The chat rep did confirm that I am all set. On the due date I logged into my PNC account and see a pending payment towards my credit card. I log on the next day and that payment disappeared with late fee charged to my account. I called customer service and they were unable to find any scheduled automatic payments. They waived off the late fee stating that since I missed the payment for the first time. Clearly, its not my fault. Their IT team needs to look into on what went wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Good afternoon. OnXX/XX/2019 a transaction from XXXX XXXX was sent to a person by the name of XXXX XXXX. I was not aware as when I received an email from this person stating I would receive a refund if items are processed I didn't know this number so I ignored the information. when I went to my bank I realized a payment of XXXX was removed from my account. I was advised by my bank that is was an electronic mobile device that possibly provided the funds and that I should contact the number to refund the money. I did so as well as contacted XXXX XXXX. I spoke with XXXX support on XXXX, XXXX and XXXX to get this resolved. I spoke with XXXX from cash support at XXXX. She advised me that she could see that this was not supposed to go to the person and that they would work with my bank to get this money reversed. the money was reversed by my bank and thenXX/XX/2019. I also sent a text message to this person where the money was sent to and was advised on XXXX XXXX that a refund would be sent back and sorry for any convenience but that never happened. The persons number was XXXX. On XX/XX/2019 I contacted Chase at XXXX about claim number XXXX, because I received a letter stated they found that the transaction was processed correctly or authorized and the {$120.00} was reversed. I requested how they determined that and no one could provide me a solid answer. I am furious because this money was stolen from me from a person who I do not now at all. The bank had me cancel my card and sent me a new one and guaranteed me that my money would remain in my account and then they took the funds on XX/XX/2019. I am disappointed and I want my account credited and I need to file this complaint to get this taken care of properly as no one at chase bank including branch managers such as, XXXX XXXX of chase in XXXX XXXX Louisiana bank, was extremely rude and advised that I will never get that money back and sorry for my loss of funds. Banks are supposed to work for the people and determine right from wrong. I need justice for this transaction and I want my funds returned. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN

Complaint narrative:
XX/XX/19. Sent XXXX on MoneyGram. My son had already left Indiana  on way to XXXX. Did not go to the XXXX XXXX IN   XXXX to pick up funds. Called Money Gram to cancel transaction. They said it was already picked up. But it wasn't!!! Its still at XXXX and they wont refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: UT

Complaint narrative:
Every month when I try and log onto XXXX  it locks my account and forces me to go through a lengthy unlock process that usually involves calling them. Also about 50 % of the time when they instruct you to use the app its broken, and it locks your account. I have been using a password manager for at least a year and I get lock out every time. 

Then I asked the customer service rep what would happen if I XXXX  my self, and they replied they would go after why wife and child to collect. 

They actively do not help you work towards resounable payments but put you on forbarence so they make more money.

Company response to consumer: Closed with explanation