vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
The company said on the phone I would become platinum instantly. I expect to become platinum instantly if that is what I was told. They mis advertised their product/credit card. Yes these are 2 different companies but they are promising platinum instantly in order to phish you into getting their credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
XX/XX/XXXX- paid remaining balance owed on rent to the XXXX XXXX XXXX   in XXXX Tn through a collection agency affiliated credit. XXXX XXXX was the person I spoke to about the account and paid the balance in full after 3 payments totaling XXXX. 
XX/XX/XXXX- received a wage garnishment judgement that was issued on XX/XX/XXXX and prepared by The law offices of Jennifer McCoy , this is my first notice that an attempt was being made to collect this debt. 
XX/XX/XXXX- wages were deposited into my account minus the judgement of XXXX. I had no opportunity to dispute this because of no notification. On this day I called the law office of Jennifer McCoy and spoke to XXXX, a very rude individual who offered no help. I was told that they couldnt help me. I then called XXXX XXXX at affiliated credit who verified that he showed a XXXX balance and would forward it the Attorneys office. He didnt. I. I called the XXXX XXXX XXXX and they provided proof to the attorneys office.I also requested a copy of the account information be sent to me, he didnt. I have called the attorneys office several times, the apartment complex several times and got varied information but not a refund. I was told by the attorneys office I would receive a check, gave my address after reminding her that she didnt have it because I have never received any mail from her, call back the following week and Im told they dont have any funds for me, they didnt receive any and I would have to call the county clerks office, still havent heard back from the clerks office either. The apartment complex told me I would receive a wire transfer but they dont have my bank information or address either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: WI

Complaint narrative:
The company Midwest REcovery XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX  XXXX place me in collection for a dedt that is not mine they Violated the FRCA and the FDCPA they never notified me by writing or phone by law, i want this removed immediately or i will pursue legal action for damaged this is not me i never heard from this company ... I cant believe they put in collection without informing me of nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Still reporting bankruptcy that the court have removed from under my name and its hurting my family well being.

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 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Still reporting bankruptcy that the court have removed from under my name and its hurting my family well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: PA

Complaint narrative:
I asked and am asking Experian to remove a bankruptcy that they are reporting due to the fact that bankruptcy courts do not report, validate, or verify ANY information. 

I will attached such a letter. 

I also took a screen shot on their site, under my account. It shows that they are reporting a bankruptcy and that the bankruptcy furnisher is the bankruptcy court itself.

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 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GFS, Inc.
State: MO

Complaint narrative:
I received a collection letter on XX/XX/XXXX for property damage and unpaid rent. {$3.00}, XXXX is the amount owed. I do not owe this debt and I also had no knowledge of this debt.The rental company kept my deposit on XX/XX/XXXX so I was under the impression that they would repair the property with the kept deposit. I spoke to the collection office on XX/XX/XXXX and it was then that I learned of the debt which I believe is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I received a final notice of pre- legal notification from a company called XXXX XXXX XXXX regarding a collection for an XXXX  credit account through XXXX XXXX.I never opened a credit card for XXXX as all my purchases are paid on a debit card. I have never heard from this company until I applied for a student loan for my child.

Suddenly I receive a final notice for the amount of {$490.00} I didn't apply for. They allege a charge off date of XX/XX/2017. Also an unknown address shows up on my XXXX credit report along with this company. Numerous online complaints state this is scam company.I owe them or synchrony bank nothing I assure you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: SECURITY FINANCE CORP
State: OH

Complaint narrative:
First, I received information from XXXX credit report. Showing that a point has been taken and that my balance increase {$300.00} between XX/XX/XXXX and XX/XX/XXXX almost like I owe them more money. Sidenote ( I paid {$440.00} to them XX/XX/XXXX and was and still is current on my payment ) I talk with them about this matter today XX/XX/XXXX and they gave me the RUN-AROUND. An addition on all three of credit reports XX/XX/XXXX payment were not reported 5 of those were the 5 first payment and the info one is false and inaccurate. I talk with them about this matter they gave me the RUN-AROUND also putting me on hold for long periods, then hanging up. No one calls back and when I call back no one answers.

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 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I called Navy Federal Credit Union to inquire about the Servicemember Civil Relief Act and eligibility of spouses of current XXXX XXXX members. I was advised by the representative that I was eligible for the benefits and that my husband did not have to be on my bank or credit card account with them. On XX/XX/XXXX I received a call from Navy Federal advising me I was denied since my husband was not on my account. I was deceived by the company, which under the Dodd-Frank Act is unlawful. Navy Federal refuses to investigate the information I was originally provided and reconsider the decision made regarding the SCRA benefits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XX/XX/2018 I applied for a REFINANCE with my current mortgage company Freedom Mortgage.

However during the negotiation of terms and loan structure for the refinance, we, my wife and I did not agree with them and TERMINATED the process.

In XX/XX/XXXX, at the end of XX/XX/XXXX we received a STATEMENT OF CREDIT DENIAL letter from Freedom Mtg.

We did not complete the agreement for the Refinance, yet we were denied credit that we didn't apply for or agree to be considered for.

How is it that we didn't not finish this loan process and was denied before for we knew who we were asking or applying to for this refinance loan.

We were ask to submit all documents and we reviewed all documents and answered questions regarding documents and submitted explanations and answers for documents in question. 

IT WAS ONLY A NEGOTIATION AND A LOAN STRUCTURE IN ORDER TO GET APPROVED. WE STOP THE PROCESS AND FREEDOM MORTGAGE SUBMITTED OUR DOCUMENTS ANYWAY. WITHOUT OUR PERMISSION.

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 2018-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC
State: CA

Complaint narrative:
Hello CFPB, I received multiple phone calls from a rude man named XXXX XXXX XXXX from Nationwide Debt Collections on XXXX XX/XX/2018. XXXX  first called me at XXXX XXXX on my cellphone, and then proceeded to call my work company three more times after, back to back, an hour or so later. After he called my cell phone to which I answered saying I was at work and that I would return his call shortly, he called me work phone which he is not allowed to do. I specifically told him not to contact me at work and to only contact me via my cell phone, and that I was unavailable to talk at that moment because I was at work. He then called my work phone again, and created lies saying that my dad didn't care if I went to jail or got sued, and he said my dad was swearing at him when he just got off the phone with him and he was upset at my dad. It was clear he was taking his anger out from my dad onto me, because my dad did not want to speak with him. He called an additional two more times, to which I asked my coworker to answer because I was feeling very overwhelmed and harassed by this rude man. He then started talking very rudely to my coworker, and told him he was a collection agency and that I owed money, disclosing very personal details to my coworker which he is certainly not allowed to do. He has a very aggressive nature, and my coworker was severely taken aback by XXXX 's behavior.

We already told XXXX that we are willing to go to court over the debt amount, but he still was harassing us and trying to scare us into paying. He also kept changing the amounts we owed.

I believe XXXX XXXX preyed on me because I was young, and he tried to get me to pay using deception and fear. I have never in my life spoken to someone so rude and overall as terrible as a human as XXXX. He is not allowed to harass me and call me employer several times, even after I explicitly asked him not to. He is also not allowed to harass my family members. He is not allowed to tell my employer about any of my personal stuff. He violated all these rights that I am protected with, and it is simply not okay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This company uses multiple numbers and calls 6-10x a day. I have tried to tell them to stop calling but they barely speak English.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I sent a goodwill letter to Synchrony/Care Credit because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead Synchrony/Care Credit reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When Synchrony/Care Credit reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet Synchrony has damaged my credit further. I hear about Synchrony Bank damaging many peoples credit with their practices. I repeat a goodwill letter was sent to Synchrony/Care Credit - not a dispute letter.

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 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: IN

Complaint narrative:
Each time i applied for driving job, my background check came back not favourable simply because of inaccurate information or perhaps CFPB has not updated/reconcile my driving record with XXXX. This has not been treating me fairly. I have ordered my driving record at XXXX and also send to the company that is trying to hire me, but i also need you to reconcile and update my driving records in line with XXXX records. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lenox Financial Mortgage Corporation
State: TX

Complaint narrative:
In XX/XX/2017, I applied and was approved for a loan with Lenox Mortgage. They quoted a closing cost of approx {$900.00} to {$1100.00}. The company went through 3 loan processors on my loan due to lay offs etc. This delayed the closing of the loan by approx 6 months, and then charged me points to extend the loan. I paid over {$6000.00} in closing costs. They offered no relief. They said the informed the Vice President,  but I never heard from her,.

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 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: IN

Complaint narrative:
I have had an account with XXXX XXXX for about 11 years and on XX/XX/18 they sent me a text saying that my account was closed due to a second account holder being deceased. I was not aware of there being a second account holder on my account. I am now trying to get access to my funds and they have given me the run around in regards to receiving the money that was in the account that was closed by them. I have over {$2000.00} in the account and am now put in a financial hardship due to not being able to receive my funds. On XX/XX/18 and XX/XX/18 i went the an XXXX XXXX XXXX store to see I could have my funds transferred per their suggestion, by opening a new account. I was unable to open a new account because I was flagged in their system because of the closed account. On XX/XX/18 I attempted to try to open a new account again per XXXX XXXX 's customer service suggestion and was again not able to open account. On/XX/XX/18 they said that they would send the remaining balance by check through the mail in 7-10 business days and they had also said the same thing on XX/XX/18. I am being told different things every time I call XXXX XXXX and given the run around and shuffled through various departments with no answer. I would like to receive my money as soon as possible, because it is mine. I have a little over {$2300.00} in the account, as I am unsure the exact amount because I no longer have access to the account online. They also promised that they would send any account statements and account transactions to my email on XX/XX/18 since I no longer have access to this 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 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
TRYING TO DISPUTE WRONG COLLECTIONS ON MY CREDIT REPORT. AS WELL AS THE AMOUNT LISTED. THREATENING CALLS AND CONSISTENT PHONE CALLS THAT LEAD ME TO CHANGE PHONE NUMBER DUE OF NUMEROUS HARASSING PHONE CALLS. IT DAMAGE MY CREDIT AND COULD NOT ABLE TO ASK FOR LOANS TO PAY SOME OF MY DEBTS DUE OF THE EFFECT ON MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Yes, I'm writing this letter so the world can see how horrible well Fargo is I have made multiple calls to them regarding an unauthorized transaction and they told me to just relax that they will take care of it within 10 business days but it has been over 2 weeks and nothing has happened yet!!! this company is screwing me over and trying to mess up my credits for these 2 transactions!!! we need better customer service! 

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX {$200.00} {$300.00} XX/XX/18 XX/XX/18 XXXX XXXX   XXXX XXXX XXXX XXXX # XXXX {$22.00} {$320.00} XX/XX/18 XX/XX/18 BALANCE TRANSFER XXXX XXXX XXXX XXXX # XXXX {$15.00} {$340.00} These aren't mine and it shouldn't be there.

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 2018-07-31 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 recently pulled my credit report this last XX/XX/XXXX. I see there are plenty of hard inquiries as well as student loans and rental property info from XX/XX/XXXX that all are not mine.I have called and was told I had to dispute in writing because they will not remove the inquiries over the phone and would not investigate my report for accuracy unless disputed online. I disputed the accounts and still was not helped. I have filed a FTC fraud report due to the inaccuracies on my credit report with XXXX  XXXX  and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my credit report and I seen address and information that is not accurate. 
My Name is XXXX XXXX XXXX, please remove any other variations on my name. 
My Current employer is XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete/remove the following address below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

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 2018-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, 3 fraudulent checks were cashed for {$900.00} ( {$2700.00} ).  When I got my statement and saw this, I reported to Chase fraud, they admitted my name was spelt wrong and clearly not my signature on checks and I was told to close my acct. the next day I tried to do so, but was told I had to wait for the investigation to finish. I was allowed to w/d {$480.00}. On XX/XX/XXXX I tried again to w/d my funds, and was told only {$700.00} was deposited and I could not have it until THE FULL AMOUNT was refunded. I then was traveling ( WITHOUT MY TRAVEL MONEY ) and when I tried to close and withdraw my money on XX/XX/XXXX I was told I again no, and left my number. I was never contacted and XX/XX/XXXX went AGAIN withdraw my funds, my account was at a zero balance. Im currently waiting to hear from Chase on this matter.

Company response to consumer: Closed with monetary relief