vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a copy of my credit report from transunion dated XX/XX/2018. Upon Review of my report, I saw that Transunion is reporting an account listed as Florida XXXX XXXX XXXX, account # XXXX, with inaccurate, incorrect information. The account is being reported as open, when it is not, the account is closed, the date closed is incorrect, the date of last payment is incorrect and this account is being reported from XXXX as a collection account when this account was paid on time and never a collection account. I had the same problem with XXXX and they removed it out of my report on XX/XX/2018. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine is correct. I have the legal right under the FCRA to demand that all the information reported by this agency be verified as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore I demand a method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2018-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 I reported my account ending in XXXX close due to suspicious fraud on my account wells Fargo gladly assisted me with closing the account and opened up a new account for me In XX/XX/2018 I made a complaint that I think my account information has been stolen again and that someone has been using my identify as fraud there was a investigation made ( # XXXX ) for account ending in XXXX Wells Fargo notified me via email XX/XX/2018 that the investigation has been completed and that They couldn't find any valid identify theft, the credit that was applied to my account was reversed, shortly after I was emailed on XX/XX/2018 that my account was closed due to prolonged overdraft. In mid XXXX I contacted wells fargo regarding my closed checking account and also my closed credit card account, my credit card account was closed due to checking account being close ( as wells fargo says ) when I called I was told that if I want to repopen my checking account I will have to go inside of a branch and reapply for a checking account, and my credit card account can should be able to be reopen because it was closed due to checking and NOT for non payments being made. I was told I was going to receive a call back from the CCS executive office and was never notified anything I have to continuously call wells fargo for an update and every time I call they give me a run around, my recent call I spoke to another division of the CCS executive office that is open on Saturdays and was told There was a decision made on XX/XX/18 about my account not being able to reopen and the person on the phone says " the CCS department probably didn't feel like notifying you yet '' wells fargo has bad a known history of data breach and should not be treating or blaming customers for identify theft or data breaches I am extremely upset and dissatisfied with the services wells fargo has provided

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 2018-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: SC

Complaint narrative:
I need extra money and my credit scores wasn't that great. I went online and found this loan company XXXX. It was the biggest mistake that I have ever made. I took out the loan in XX/XX/XXXX. It was for {$3100.00}. My payments started out at {$360.00} a month. Then I could no longer afford that amount so I started paying {$270.00}, As of today, XX/XX/XXXX, after two years, the principal on this loan is {$2500.00}. I called to get a pay off amount today for Monday and I was told that the pay off would be {$2800.00}. I asked them how could this be. I did not understand anything the guy said. I told him that this has to be unethical and illegal and hung up. I do not understand how could have a loan that I got in XX/XX/XXXX for {$3100.00} would have a payoff of {$2800.00} in XX/XX/XXXX when I have been making payments of originally {$360.00} and now {$270.00}. I know that I should never use companies like this but this has to be illegal. The way they are doing this loan, it would take forever to pay off. Also, after 2 years only XXXX has gone to the principal. Also, how could the principal balance be {$2500.00} and the pay off would be {$2800.00}? This makes no sense and I could not understand all the fees and interest charges that the person was alluding to. I also did not know that the loan does not have a term. I thought it two years it would be paid off. 

I did not understand these terms an never would have signed up to something like this. I was just in a car accident and needed money to pay bills. My credit score is fair now that i can actually get a loan at a bank. I wanted to try to get money to pay this off but do not want to pay what this is showing. It is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have had no assistance in my claim regarding XXXX XXXX XXXX XXXX XXXX and their debt collector : Transworld System even after several YEARS of CFPB complaints, including Ombudsman appeals with continued damaged credit resulting in declined loans and higher interest rates. 

Dates : 2007 to Present Amount : Originally - $ XXXX. Currently : $ 80K ( approximately ) Actions : Continuing to negative credit report resulting in my score down over 80 points, ignoring and violating Consent Order, falsified credit dispute documents by reaffirming the debt was owed to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: DC

Complaint narrative:
XX/XX/2018 ( Monday ) Complaint against PNC bank FTC Identity Theft Report Number : XXXX On XX/XX/2018 I brought promotional offer that I received from PNC bank to open brand new consumer checking account. I have verified with this branch located at XXXX XXXX XXXX XXXX Washington DC XXXX for promotional offer before I open new accounts. A staff at front desk told me that I can receive both {$300.00} personal checking acct bonus and {$200.00} business checking acct bonus. Then he asked a sales associate named XXXX XXXX to assist me. XXXX XXXX has asked all my personal information such as name, residential address, social security number, driver 's license number, phone number, email address, PIN number. I showed two proof of ID per his request. However after he obtained all my personal identity especially social security number and driver 's license number, residential address etc. Then he told me he was unable to open new personal account. I questioned him why. But he can not tell me the reason. For the same information I provided, I can open checking account with other banks in the past. At this time, since he can not open new account and I am NOT PNC bank 's customer, I asked him to completely delete my personal identity from XXXX bank 's system in order to protect my identity. Under my 3-4 times asking including to call his branch manager, he still refuse to delete my identity and information. I was extremely upset by telling the staff at front desk to purge my personal information plus pay my damages. I have filed a FTC identity theft report with reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I called in on XX/XX/18 and spoke to a lady about a forbearance. She advised me that I was no longer allowed to forbear my student loans. I advised her that I have been struggling to raise a family of XXXX for the last 20yrs and I know that at some point I will have a to start paying, but not today. I still have one more child in school and hopefully after that we'll be financially stable to start paying. She said now that my loan is serviced by Navient, I am no longer to do a forbearance unless I transfer all my loans to them. I said no, that sounds like a housing refinance scam, when one servicer takes over managing an account, I have no reason why I need to refinance my student loans. She said then you have to start paying. I told her that was not acceptable. She advised she can do an emergency forbearance for 60 days, but I had to pay {$50.00} and then decide in XXXX if I want to consolidate my student loans under Navient. I have XXXX XXXX Funds student loans from Sallie Mae. One I obtained while I was in school at the University of XXXX XXXX, XXXX XXXX Ohio and the other when I went back to school with the University XXXX XXXX ( online ) to finish up my bachelors. As head of household, mother of 3, I had to finish getting my bachelors in order to provide for my family. Though the years, I've been able to progress in my career and am finally almost to a point where I'll be able to start being financially stable. Having to make a $ 500 monthly payment will continue to cripple our family and we'll never be able to enjoy financial stability. Again, I know eventually I'll need to start making payments, however until then, I would like to continue forbearing them until I am ready. The lady on the phone said I am limited to 60mths of forbearing, I told her I have been doing so for the last 20yrs with Sallie Mae, she said now that I am with Navient that I can't do that any more. She said the only way I can start doing it again, is if I transfer my loans to them. I'm concerned with losing my interest rate and any benefits of having a government student loans. I asked her to point out where in my contract that says I am limited to 60mths, and she said that she can't do that. That she's only going by her servicing rules. I told her that if that is not in my contract as a restriction, that she can not restrict me in this manner and force me to refinance. I also asked that she have someone review my contract and let me know what I am " required '' to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Regional Management Corporation
State: NC

Complaint narrative:
On XX/XX/XXXX, my parents were contacted by XXXX XXXX XXXX stating that they needed to get in touch with me to avoid charges being filed against me for a debt. When my mother asked how they got her number, they hung up on her. This was an obvious skip trace they had done on my parents who have never signed any loan for me nor should they have discussed this with her. 

I was also contacted by XXXX XXXX XXXX the same day so I called them back after receiving a call from my mother. I was told it was about a debt they claim I owe to XXXX XXXX from XXXX. I told them repeatedly that I never signed anything with a company by the name. They threatened to charge me with criminal charges of attempt to defraud a financial institution and said I would be picked up that next Monday morning. I was told I owed {$560.00}. I will admit they had me scared, and I know I shouldn't have paid without looking up the statutes. I now know that a debt buyer can not collect on loans more than 3 years old in my state of NC. At the time, I offered to settle for {$200.00} and they refused. So I paid them {$150.00} that day. They had all of my information, including my current address and social. 

Today ( XX/XX/XXXX ) my bank called from the fraud department as they ( XXXX XXXX XXXX ) tried to process a payment for {$410.00} which is the remainder of the debt they claim I owe. This transaction was in NO WAY authorized. As I know they are outside of the bounds of what they are allowed to collect from me, I want them to cease contacting me or anyone in my family about this debt. I also believe I should be refunded the {$150.00} they originally collected as they were not within the law to do so. 

The phone number they called me from is XXXX and the number on the fraudulent debit card purchase is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: FL

Complaint narrative:
XXXX XXXX XXXX card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX froze my account.in XX/XX/2017..will not allow any transactions and refuse my many written and oral requests for a explanation .. I still have a substantial balance in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have the following point denominations spread across three versions of the Barclays XXXX Rewards Visa : XXXX XXXX XXXX Together, I should be able to redeem XXXX out of these XXXX points for an XXXX  gift card. However, Barclays offers no way to combine these points. 

XXXXXXXX XXXX 0 % financing is only good for the first 30 days after account opening, so you are incentivized to open a new card every time you purchase an XXXX product.

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 2018-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AK

Complaint narrative:
In XX/XX/2006 I moved out of XXXX and moved to XXXX  ever since. Portfolio recovery LLC has been calling me non stop every week 2-4 times a week from different numbers harassing me over a debt occurred over a decade ago. Ive told them there is no way Im paying it, its too old and its not even on my credit report leave me Alone. Thats was over a year ago. They are calling from random out of state numbers and I block the number. They repeated phone calls started about 4 years ago every week 2-4 times a week while Im at work while Im in meetings taking a even on the weekends. Please stop these harassing tactics and let this single parent, XXXX veteran, struggling to meet ends meet living paycheck to paycheck with out any child support, live in peace. I have already cleared my name and all my debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
On XX/XX/2018 I was taken to XXXX XXXX Hospital ER seen by the ER doctors who admitted me. Upon arrival, registration came to my room to assure they had the proper insurance information/address on file, scanned in my insurance card, and my drivers license. My XXXX Insurance is covered by XXXX XXXX XXXX XXXX XXXX through my retirement company, XXXX. My drivers license had the correct address XXXX, OH. The hospital billed XXXX XXXX XXXX XXXX XXXX for the date of serviceXX/XX/XXXX-XX/XX/XXXX ; and received payment in full. My insurance card/license both were scanned in the ER Room by the hospital registration. I never received any bills at my address, never received any phone calls until XX/XX/2018, when I got a call from XXXX XXXX XXXX XXXX telling me that the XXXX Hospital ER Doctors sent me to collections for {$1100.00}. I told XXXX in collections, I have insurance, my insurance will pay all of that bill, & my insurance card/drivers license with my address were scanned in the ER room upon arrival. It was discovered after our in depth discussion XXXX billing for ER doctors errored, they never billed my insurance company, & had a non existent address on file for me that I have not resided at in over 3 years. Since the ER doctors work in the ER room at the XXXX Hospital, & they scanned my health insurance card/drivers license with all the right info for payment to be processed there was no reason for them to not have billed my insurance carrier. XXXX told me she will try to put the bill through to my ins but if they don't pay it due to the time lapsed for billing I am going to be liable for this bill. I called XXXX billing spoke to XXXX, she stated they billed XXXX XXXX directly, & it was rejected by XXXX they stated I had other health insurance coverage. I told her my XXXX coverage is under XXXX XXXX XXXX XXXX XXXX & that card was scanned in the ER at XXXX Hospital XX/XX/18. She stated they sent a notice to XXXX MI where I have not resided in over 3 years. I told her XXXX Hospital has my accurate address they scanned my license/insurance on XX/XX/18. She stated there was nothing they could do its in collections its up to them to get payment from insurance, or me to avoid it going on my credit report. I called XXXX Hospital Billing supervisor who told me this is error of XXXX Billing for the ER doctors at XXXX Hospital for failure to use the accurate insurance information/address that they have on file which was scanned in XX/XX/18 in the ER Room.I called my ins company to see if XXXX billed them for XX/XX/18 they stated they did not. I was told to contact XXXX billing tell them to send the bill to them with explanation they billed XXXX directly. I called again, talked to XXXX, she stated they wont rebill anything the collection agency has to, it is up to me to work with them to prevent the unpaid bill going on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: IL

Complaint narrative:
I disputed these items placed on my credit report by XXXX XXXX XXXX and XXXX XXXX with all 3 credit bureaus for {$400.00}. It states it was opened XX/XX/XXXX with XXXX XXXX XXXX and XXXX XXXX stated opened XX/XX/XXXX as an education loan I never applied for they seem linked. XXXX XXXX XXXX removed it from my credit report after I placed a dispute with all 3 credit bureaus. I look today at my credit report a month later and XXXX XXXX XXXX has placed it back on my credit report again. I have no idea what these debts or installment loans are for I was never sent proof of the debt nor any sort of ledger card showing I attended the college or there services. I would like proof showing why I owe these debts and how they have my information. I have no knowledge of this debt or debts.They are causing damage to my credit report and I would like to get to the bottom of this with this agency or agencies. I will also be writing a letter to my states attorney general in regards to these companies I have no business dealings with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10 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: NCC Business Services, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX I pulled a copy of my XXXX Credit report and noticed that I had an account I wasn't aware of from NCC Business Services INC- regarding an account with XXXX XXXX   with an amount of {$250.00}. At the end of XXXX I started working with the original creditor and they told me that they are no longer responsible for the account and that NCC was. As I did further research, XXXX XXXX  breached their own contract by violating the Arbitration Clause with charging the account off and sending it to NCC. 

In early XXXX, NCC began calling me demanding that I pay and I told them a date I couldn't pay at the time but did give them a date that I could. I told them the only way I would pay is exchange for pay to delete and they agreed. I made a payment via internet XX/XX/XXXX inputting my information on paper. I have been fighting with this company since XX/XX/XXXX to remove this off my credit report as they promised. Furthermore, with them knowing that the original creditor breached their contract, and NCC being in violation also, I demanded that they remove it. I have also contacted all 3 credit bureaus with same valid information on my end. All parties have 30 days to respond. NCC fails to remove and this is the 3rd attempt. Two letters were last sent out on XX/XX/XXXX via mail ( certified ) which it shows it was delivered on XX/XX/XXXX XXXX and on XX/XX/XXXX at XXXX, so they've received it, along with the 3 credit bureaus. I have warned this company with a suit followed after this if they continue to report. They have already been sued twice for the same thing. Below I have attached all the documents I have sent them regarding this account and copies of the certified receipt even to all 3 credit Bureaus.

Company response to consumer: Closed with explanation