vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc.
State: IL

Complaint narrative:
I took out a XXXX XXXX loan in XX/XX/XXXX and have already paid more than the balance of the loan. I have come to some financial hardship due to high medical bills for our son. I called XX/XX/XXXX and asked for a repayment plan and told them that with my work contract I would be going with a three week period of no paycheck and they said they can't change the payment schedule and will need to pull the money out anyway knowing I won't be getting a paycheck. This will cause overdraft fees on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: GA

Complaint narrative:
This complaint is being filed against WestLake Financial Services for Violating my rights pursuant to Florida State Statutes 537.012 Repossession, disposal of pledged property ; excess proceeds. ( 3 ) Upon  taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. 

10 days prior to sale lender did mail out a Notice of Plan to Sell Property with time and date and stated Private Sale - Pursuant to Florida Statute 537.012 ( 3 ) may do so only through a motor vehicle dealer licensed under s. 320.27 as well as failed to provide place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. 

Notice does state if I want any of the above information I needed to contact them but the statute clearly states they need to provide all information 10 days prior to sale. 

I have attempted to disputed through all 3 major credit bureaus but above subject matter was ignored. Reattempting dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I received numerous calls on XX/XX/XXXX asking me to verify my personal information and they claimed I owed a debt. They called my mother the same day. They have also called my nephew looking for me. The debt was supposedly a payday loan that occurred in XX/XX/XXXX and was deposited to a XXXX XXXX XXXX XXXX. I don't live in XXXX  and never have. I didn't take out a payday loan. The loan was in the amount of XXXX. They threatened me with legal action. I told the woman to go do what she wants to do. I didn't make the loan IF it even exists. Also it would be small claims here in XXXX if they try to file something. Whatever, I will go to court. I didn't make the loan.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
AFNI, INC. reported a debt that was not mine to XXXX despite the fact they could not provide enough detail to prove any debt was owed. I called AFNI on the day I received their notice, and immediately sent a written request for more information, upon their suggestion to do so. 

Regardless of the fact that the this issue is still being investigated, and not my debt, they have reported it to the credit bureaus. 

This is a harassment tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weinberg Mediation Group LLC
State: MO

Complaint narrative:
I received two robo calls today. One call came in on my work number and the other call my cell phone. They called my nephew as well. They stated I needed to call them back or there would be legal action. They stated I had not responded to previous attempts. I have never heard from these people before and have no outstanding debts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I moved after being impacted by Hurricane Irma to XXXX XXXX, FL. XXXX transferred services right away and I returned the equipment. My XXXX Account is in good standing, but due to moving out of county, I  was given a new account number. Old XXXX account closed satisfactorily. I received an alert from the credit reporting agencies that the Cbe Group has placed a collection account XXXX for {$80.00} from XXXX on XX/XX/2018. This is incorrect. I do not owe XXXX anything and due to FEMA relocating me, XXXX was very helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: AL

Complaint narrative:
Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billinge Fair Credit Billing Act of 1975 ( FCBA. I have tried to fix this problem but transunion ignored my request for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ). I want valid proof attached to this complaint that these account belong to me and proof i was late on these accounts under Fair Credit Reporting Act.

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 2018-07-26 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: AL

Complaint narrative:
Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billinge Fair Credit Billing Act of 1975 ( FCBA. I have tried to fix this problem but transunion ignored my request for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ). I want valid proof attached to this complaint that these account belong to me and how they verified i was late on these accounts under Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: NY

Complaint narrative:
On my credit report, it states I was 30-59 days late on a payment for XX/XX/2017. I was late about 5 days, not the 30 days they are reporting, and the reasons for those late payments were the fact the contacted me 5 days after the due date to inform I didn't have enough funds for the payment in which I immediately went to my account to resolve the issue. Again, I have not been 30 days late on a payment, but they had reported it as such. as shown in the attachments, I have made a payment every month, but not in the lateness they have reported. And I believe each late payment may have shown in the next statement, hence why I attached 3 months to make reference of. Thank you

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 2018-07-26 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: TX

Complaint narrative:
I filed several complaints with Experian concerning a XXXX XXXX credit card account that was charged-off in XX/XX/XXXX in the amount of {$1200.00}. XXXX XXXX charged-off the account and submitted the amount that was charged-off to the Internal Revenue Service ( IRS ). I  received a XXXX form in the amount of {$970.00} for the cancelled debt and I filed the XXXX form with my taxes in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX reported the debt as a new debt to all credit reporting agencies. I informed Experian that the debt was not new and I submitted my XXXX form and copies of prior years credit reports that disclosed the debt as not being new and the debt being cancelled. Since XX/XX/XXXX Experian is reporting that I have a new late payment and this is not true. I filed several complaints and I tried filing a complaint again on XX/XX/XXXX, and I was informed that they would not review my complaint anymore concerning the XXXX  XXXX account. There debt reporting practices are unfair and do not adhere to the federal laws that are in effect.

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 2018-07-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a collection showing on my credit from XXXX XXXX XXXX XXXX. The address listed on each report is XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. I disputed this directly with the bureaus before on account of having never received proof / verifiable information as to why the debt as owed in the first place and never got a conclusive answer except that the information was " verified. '' I have attempted to contact this collector several times in writing to no avail. At first I thought they were refusing delivery because my letters were not certified, but upon sending a certified letter and having that returned as well, I realized the collector just isn't reporting accurate information to my reports, in direct violation of the FCRA. I want the account removed from my reports since it's proven unduly burdensome to contact the collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
I submitted a complaint to the CFPB regarding this same institution. They claimed to have resolved the previous issue but had lied with regards to consumer contact. Since they have charged my account several fees then closed my account without notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: GA

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX Collection Date : XX/XX/XXXX High Credit Term {$8500.00} Balance Owed as of XX/XX/XXXX {$21000.00} Do not owe this company and have repeatedly hit my credit report every month since XX/XX/XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
I do not owe XXXX 's the amount of {$230.00} or any other amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a collection showing on my credit from XXXX XXXX XXXX XXXX. The address listed on each report is XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. I disputed this directly with the bureaus before on account of having never received proof / verifiable information as to why the debt as owed in the first place and never got a conclusive answer except that the information was " verified. '' I have attempted to contact this collector several times in writing to no avail. At first I thought they were refusing delivery because my letters were not certified, but upon sending a certified letter and having that returned as well, I realized the collector just isn't reporting accurate information to my reports, in direct violation of the FCRA. I want the account removed from my reports since it's proven unduly burdensome to contact the collector.

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 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
2 months ago, I contacted Citibank Thank You Preferred credit card customer service requesting a temporary reduction in my interest rate as I had some unexpected expenses and inquired why my payment had jumped from the {$300.00} range to the mid {$400.00} per month. I said I had not made any additional purchases and the representative said that no they can't help me with any interest rate reduction and she started reviewing my account. She said " Oh, I see what is happening, you are being " punished '' so to speak with an additional interest rate being added to your already existing interest rate because of two late payments in a 6 month period. And that remains for 6 months and I was at the end of the punishment period, so that payment amount should drop on the next statement. She since she couldn't help me with reducing my rate, she would give me XXXX thank you points which I haven't seen on my statement either. 
Well the payment didn't drop, it remained in the mid {$400.00} range and what they are doing is wrong. Gouging customers for late pays with additional interest rates on top of the existing they are already charging and that is on top of late fees. Citibank is on the East Coast 3 hours ahead of us, so when we make our payment on the due date here in California, and because my work hours I've had to make it after XXXX at the ATM at a local branch, and its considered late because in NY its the next day. I have call the relationship manager in my local branch left 3 messages and never received a return call. I want to change the due date on my account, because of when my check arrives in the mail, and the local branch is of no help at all. I am shocked at what they are doing and it is wrong. Gouging customers with so much interest rate charges it makes it difficult to make the payment.

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 2018-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On my credit report, it states I was 30-59 days late on a payment for XXXX of 2017. I was late about 5 days, not the 30 days they are reporting, and the reasons for those late payments were the fact the contacted me 5 days after the due date to inform I didn't have enough funds for the payment in which I immediately went to my account to resolve the issue. Again, I have not been 30 days late on a payment, but they had reported it as such. as shown in the attachments, I have made a payment every month, but not in the lateness they have reported. And I believe each late payment may have shown in the next statement, hence why I attached 3 months to make reference of. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was just contacted by a Law Firm on behalf of US Bank. I had an account with them more than 15 years ago. Apparently I had an overdraft charge that was not paid, although I closed the account at that time and was not notified at the time of my account closing that I had any fees remaining. I have never received contact from US Bank regarding this until today and now they want me to pay them more than {$2000.00} dollars in late fees. 

The Law Firm literally said they ran a check on my personal funds recently and noticed I now had income to spare, which I do not as I pay {$570.00} a month in student loan debt and hundreds of dollars in copay 's for health insurance, as I have a rare XXXX that requires a massive amount of XXXX. They threatened to garnish % XXXX of my income, I will not be able to pay for life saving medication or my student loans at that rate. 

I have worked really hard to pay down my date, pay my bills on time and maintain a high FICO score and they are threatening to dismantle all of my hard work. 

I have not contacted them directly as I don't believe they will help me, if they waited more than 15 years to contact me and to run my income once they thought I was able to pay their egregious amount, I cant imagine they will be willing to help me today. 

Thank you!

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