vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I went into  World Finance  in  XXXX  of  XXXX  due to heavy financial need at the time. I gave the representative my information over the phone and she said she would call me back with the amount I was approved for. Abo ut two hours  later she said I was approved for  XXXX . I went into the branch to sign my documents. When we got to the insurance part I asked if this was mandatory and she said YES. I really needed the money at the time so I took the loan with every intention to pay it off early so that I would n't have to pay so much back in interest. Since my first payment in  XXXX  I would spend hours trying to figure out how the interest was calculated and how much I needed to pay each month to pay off the loan early. The numbers NEVER added up. I asked for my payoff each time I made a payment, and the figures they would give me never made sense, so I never paid the loan off early like I planned too. So in  XXXX , I called and spoke to a representative,  XXXX , who could only tell me it is what it is because that 's what I signed up for. I then spoke to another representative,  XXXX , who could not provide me any information either. I spoke to the branch  XXXX   XXXX  once who could not explain how the interest was charged either. I went into the branch  one  afternoon and sat with someone and still she still could not help. I called customer service on  XXXX   XXXX ,  XXXX  and spoke with someone who could help me a bit, but when I asked more questions she let me know she was not qualified and would pass my information to the district manager. Even though my check from the company was made payable in the amount of  XXXX , I was financed for the amount of  XXXX . I was unaware of this, so that 's why I could never figure out what went wrong. Today  XXXX   XXXX ,  XXXX  I went into the branch and sat with  XXXX  face to face. Within our meeting she said the insurance is NOT mandatory and she does n't remember who closed my loan. Not only that, she said the associates I kept speaking with when I had questions could n't help me because they do n't know themselves! When I asked who 's signature it was on my closing document she then remembered who closed the loan, and advised me that the girl is no longer working there. This company has scammed me out of some serious money with their deceptive practices and leading me to believe that insurance is mandatory and not explaining the amount I was approved for versus the amount the check was written for. I am hoping to not make the same mistakes again and only pay back what I owe, and nothing extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
I had a judgment from XXXX that was settle for the amount of {$1200.00} and was paid by XXXX XXXX XXXX on X/X/2003. My employer was recently served a writ of garnishment from XXXX XXXX XXXX, on behalf of XXXX XXXX, who is supposedly collecting the debt for XXXX. The total amount they say that I now owe is {$5400.00}. I was never served as notification of this suit. Furthermore, on all documents provided to my employer, they included a case number where the first number was eliminated. I was able to find this out by finding the original filing which I never new existed. As a result, my company 's lawyer has recommended that they start garnishment proceedings. This is a bogus and unlawful debt which I am now trying to fight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
nothing they said they only report to th e one re porting place, I need   XXXX   XXXX   to show on all my accounts, it does on  one bu t not all the others, please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: NY

Complaint narrative:
I have a total of  XXXX  inquiries on all  XXXX  credit bureaus from various banks on.    XXXX / XXXX /   2016  I have contacted them and the credit bureaus, and nothing is being done.     I have not applied for credit with them. need to be removed from my credit report with  XXXX ,  XXXX  and  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 explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: TX

Complaint narrative:
I became aware in  XXXX   XXXX  that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier.     I contacted  XXXX   XXXX   XXXX  - the provider in  XXXX  and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and   XXXX   and  XXXX  removed the items. However,  XXXX  did not ( see attached ).     In addition to collecting for a debt that is not owed, this is clea rly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Lending Club Corp
State: WA

Complaint narrative:
I have had a loan with Lending Club for almost 2 years. A year ago, our income dropped substantially and paying Lending Club on time each month became difficult. I called  them ( a s I called all our bill compa nies ) and  attempted to see if we could do a modification. My husband and I were trying to avoid bankruptcy, and they were not willing to help at all. We were told we would have to qualify for the new loan, which obviously we would not with our income drop. We were told to keep making our payment as is. I explained then, that we would try to make it each month, but it would most likely be late.   When we moved, it was from the  XXXX  coast to  XXXX . I updated my phone number and address with them. My family and I have been living with our family here and are " homeless '' so we have a  XXXX   XXXX   , an d every time I call I have to explain that to them when they ask me for my personal address. We do n't hav e one .. .   My actual complaint ( aside from them just being a horrible and heartless company ) is their collections practices. They are in EXTREME violation of the Fair Debt Collection Practices Act ( FDCPA ). Their attempt to call me when my loan is past due starts at  XXXX . They will continue to call all day, every hour on the hou r 3-5 times e ach day. That is harassment, plain and simple.   This morning (  XXXX / XXXX / 17  ) when I called to make my payment ( as I do EVERY month ) I notified the gentleman on the phone of the harassment and that I would appreciate him to note that it is against the law to call me before  XXXX . He stumbled over his words and said he would just flag my account cease and desist, as if that would prevent any calls from coming to me. This would be fine if it actually worked. Not eve n 10 minut es after this conversation I received ANOTHER collection call.   I would also like to note, in the past I have blocked the Lending Club number. However, the company must change it every few months as the early morning and frequent calls continue.   We are struggling to make ends meet, and understand the need to collect. However ; harassment is NOT OKAY. I have repeatedly updated my contact info, notified them of where I 'm living, and they continue to call me before  XXXX  ( as early as  XXXX  ) and the calls come in every ho ur 3-5 ti mes a day. They change their number, so blocking them has done  nothing. Complaining to them has done nothing, as they continued to call, and even flagging my account Cease and Desist did nothing as I received a call within 10 minutes of getting off the phone with them. I t 's unacceptable and I know I can not be the only person who is being harassed by Lending Club.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USCB, Inc.
State: CA

Complaint narrative:
Hi, I disputed the collections account that XXXX California sent to USCB America, XXXX XXXX, CA. 

To no avail. 

I have tried to get information on the collections account from USCB America, over many months, including trying to pay it in full as it is negatively impacting my credit, also right to work and lending underwriting, this company appears to be corrupt. Never have I dealt with a collections company that does n't do everything possible to take your payment. This behavior tells me, they want to keep you in collections limbo so they can increase their fees on the debt amount. 

They ca n't find my account They ca n't find my account number, even with my SSN, full name, address, etc. 
They ca n't transfer me properly They transfer me to people who do n't handle collections They do n't have the expertise to handle my inquiry They do n't speak with comprehension They hang up if you raise your voice out of frustration I want this debt discharged from all credit reporting agencies immediately,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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:
This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,   XXXX   {$53.00} Original creditor :  XXXX   XXXX    XXXX   XXXX   IL

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 2017-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo r ep provided me with a contract that listed someone else information o n it. SSN. I  do not have or had a vehicle with them in my possession. I asked that these tradelines be removed from all  XXXX  bureaus. The contract provided is not valid being that it has another persons ssn on the contract. Also they provided a drivers license copy that has the persons picture removed. All this was sent  by Wells Fargo  Representative  XXXX   XXXX . I have attached the correspondence that was sent.

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 2017-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates
State: DE

Complaint narrative:
XXXX , from Prince Parker & Associates called my wife asking for payment in full for an   XXXX   bill of {$1600.00} incurred during the birth of my son on  XXXX / XXXX / 2017 . My wife asked  XXXX  if we could enter into a payment arrangement, to which  XXXX  responded   she could only offer 3 options ; 1, pay in full ; 2, pay half now and small monthly payments after ; 3, not pay and be referred for further collections which include litigation, credit reporting and additional repercussions.
My wife was clearly distraught given this information to which she asked me ( her husband ) to   call  XXXX  and discuss the account.     I called  XXXX  @  (   XXXX   XXXX   XXXX  ext.  XXXX  to ask what had transpired with my wife and to ask clarifying questions.  XXXX  reiterat ed the payment options, emphasized that she was from " Prince, Parker & Associates '', aske d for my wifes phone number and disclosed information about the debt prior to asking me who I was and prior to reading me the mini-miranda disclosure. When I asked  XXXX  what she meant by being referred for further collections meant, she fumbled through her response and ended saying that the account would " leave the attorney 's office '' and " be referred for additional collections with different payment options and credit implications '', at which point I asked her she was giving me false, misleading and threatening information -  XXXX  hung up the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On  XXXX   XXXX ,  2017 , EXPERIAN  (   XXXX   ) charged my account {$29.00} after one-week trial expired based on the prior agreement. I paid for {$ 1.00} to access, but considering how much online technology information is moving at a rapid speed, I did not cancel the account within 7 days but you still have asked AGAIN whether I " still '' want to be charged or not. This is a question of ethic moral, stealing money from people who co nsented to {$1.00} and then did not want to consent to {$29.00}. I want my refund. I had spoken with the manager. The manager still refused because of the agreement online. So I turned to CFPB becaus e I need my money back whenever possible. Thanks.

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 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I became aware in XX/XX/XXXX that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier. I contacted XXXX XXXX XXXX - the provider in XX/XX/XXXX and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and XXXX and XXXX  removed the items. However, XXXX did not ( see attached ). In addition to collecting for a debt that is not owed, this is clearly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.

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 2017-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
The debt reported by the collection agency was removed by  XXXX  from a previous dispute. this company has also reported the same item on my credit report repeatedly  on. XXXX /2017,  XXXX 2017, XXXX /2017,  XXXX /2017,  XXXX 2017 and  XXXX /2017. I want these items and collecti on removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX   XXXX  applied for capital one credit line so much fraud going on and my husband hasnt heard from them worried they got his info and scammed him can you help plz

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I purchased a car from Santander, I had to move because of job related issues I could no longer afford the payments so I did a voluntary repossession. The company sold the car and then still tried to collect the full amount of the car from me. After I was told that all I would owe was any balance if any that was left after the car was sold. They are still trying to collect  over 15,000.00 from me  and the car was n't even that much to begin with.   this is the second complaint, they responded stating that they could n't find any information. I am providing the la st four number s of my ssn #  XXXX , I do n't have any vehicle information anymore because this has been almost 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a total of  XXXX  inquiries on all three credit bureaus from various banks on.    XXXX / XXXX / 2016  I have contacted them and the credit bureaus, and nothing is being done.     I have not applied for credit with them. need to be removed from my credit report with   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I have a total of  XXXX  inquiries on all three credit bureaus from various banks on.    XXXX / XXXX / 2016  I have contacted them and the credit bureaus, and nothing is being done.     I have not applied for credit with them. need to be removed from my credit report with   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,    2017  {$53.00} Original creditor :  XXXX   XXXX    XXXX   XXXX   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 explanation
Consumer complaint received 2017-06-14 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: TX

Complaint narrative:
This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,    2017  {$53.00} Original creditor :  XXXX   XXXX    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
nothing they said they only report to the  one reporting place, I need   XXXX   XXXX   to show on all my accounts, it does on one but not all the others , please

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