vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EZCORP, INC.
State: NV

Complaint narrative:
I took out some loans against EZ Pawn. I was told a couple of months ago that I had paid over 23,000 in interest to them. They would repeatedly text me and call me. I was very ill in the hospital and hooked up to XXXX 's when they would call me and tell me that I had " better get down there '' to make payments to them. I had to send a friend down to make payments to them. I would pay them and mail in money orders and cashiers checks to them and tell them which loans to extend only to have the dropped anyway. I am very upset that I paid so much in interest to wind up with nothing. I would not have paid them this much money had I not been pressured so much. I am very upset about their tactics. I feel that this has been a no-win situation and feel very stupid and a a big sucker.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a complaint against Santander with the CFPB and I was told to call the CFPB which I did for my results. Well according the representative for the CFPB she told me it was nothing they can do for me because Santander told them that I had attorney and they could not speak to CFPB about the matter and the comments that they put on my credit report as a paid charge off. Even though our agreement was once I paid the amount they gave to me that day on XXXX2015 and by a certain time which was XXXX that day they will closed the account and have it as paid and closed on my credit report, but that was a lie they only told me that so they can get my money and still put negative reporting on my credit report and they still sent me a XXXX for the remaining balance but listed it as a charged off and now since I called and file a complaint with the CFPB they have updated my credit report with all kinds of LATE FEES and negative markings, like as a retaliation to me from their company because of me filing this complaint and I did this because they are a very dishonest company and have had several complaints wrote up on them for this same situation. All I want is for Santander to do what they promised me before they took my money and that is report truthful information and stop being dishonest saying I have attorney on my account and IF THAT IS THE CASE then : I am giving CFPB the permission to access and find out any information that is on my account.and like I stated before the FRCA states the information should be true and accurate and not JUST START reporting negative information since a complaint was file with the company ( Santander ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I financed flooring and installation from XXXX XXXX in XXXX 2017. I was given an estimate of approximately {$2200.00} for flooring and installation. I applied for financing and approved for {$2500.00}.
<P/>
Once I received an invoice from Synchrony Bank the amount was much higher than my estimate.
<P/>
I called XXXX XXXX and asked them for an itemized list of charges but they could not explain the items. They said I needed to call Synchrony Bank.
<P/>
I called Synchrony Bank and filed a dispute. They could n't explain the charges either. They said I needed to call XXXX XXXX.
<P/>
I want to know what exactly i 'm being charged for and why the total amount comes to {$3200.00} materials/laminate & square ft. - {$1000.00} installation items & square ft. - How much per square foot and total cost of that service.
<P/>
Thank You, XXXX 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 monetary relief
Consumer complaint received 2017-07-07 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:
Over the last 6 months have been trying to get XXXX XXXX to correct the information they are displaying on my credit report. They are stating XXXX is the loan servicer, XXXX is listed on the credit account. Now, This has been transferred to a government entity and payments are current! If was suppose to pay XXXX or XXXX then how do I suppose to pay them???? <P/>Please provide detailed information on how this investigation was conducted with the following : 1. Names of people conducted investigation for the information displayed on my credit report 2.  Dates, times, and e-mails when these conversations has taken place? <P/>3. Last date of activity for this account? Which is not displayed on the credit report why?? <P/>4. Explanation on how to can you " MARK ACCOUNT LATE '' when you do n't have control over the account and have not provide a payment method to kept the account current? <P/>5. Please provide the original documentation sign by XXXX XXXX. <P/>6. Please provide the date and time when the account was transferred from XXXX to a government servicer. <P/>7.Please provide the proof and accurate information schedule payments that were missed. This should be displayed by financial statements from your accounts. <P/>8. If the BALANCE OWE IS XXXX??? HOW CAN YOU BE LATE? <P/>This does not make sense at all and should be investigated all my accounts are to date and XXXX XXXX is violation of the FCA. From this point I will consultant the attorney that sued Equifax for XXXX XXXX dollars because they refused to remove inaccurate information of her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I paid this debt in full XXXX of 2017 and I have already submitted a complaint due to their customer service rep providing false information. This company has stated NUMEROUS times I owe them {$0.00}, which is FACT. However, I get at least 4 phone calls per week from Portfolios recovery trying to collect a debt! I will sue this company if they do n't remove my phone number from their call lists as I owe them nothing. When I call them directly I am told that I owe them nothing. But they continually call me from different numbers that include : XXXX ( XXXX XXXX XXXX, XXXX, XXXX. IT IS NEVER ENDING. this company is disgusting and if they do n't stop calling me to collect a debt that is not owed I will sue them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
for one, they ALWAYS autodial my call, never state who they are until i give in and give them personal information. If i ignore the call on my cell phone it redials immediately so that they are calling me within seconds of hitting ignore. I have no Idea how they do this but it happens everytime, the only way to get it to stop is to turn my phone off by removing my battery ( includes remiving a difficult to remove protective case ) or by answering. Whne I expressed that it is illegal to use an autodialer system on a cellular phone line the representative told me " thats your problem '' I informed him of the law, he said " it is a system used to call you '' then when I talked about the harrassing calls he stated that they are allowed to do this. I know my rights you can not call me 20 times back to back to back if i ignore or do not answer the call. <P/>also to get them to identify who they are is like pulling teeth. wont tell me who they are or who they are with unless i agree I am who I am and other information. Information I do not feel comfortable giving over the phone to someone who calls me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
sent a letter all i got back was a bill

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 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I paid this debt in full XXXX of 2017 and I have already submitted a complaint due to their customer service rep providing false information. This company has stated NUMEROUS times I owe them {$0.00}, which is FACT. However, I get at least 4 phone calls per week from XXXX XXXX trying to collect a debt! I will sue this company if they do n't remove my phone number from their call lists as I owe them nothing. When I call them directly I am told that I owe them nothing. But they continually call me from different numbers that include : XXXX ( XXXX XXXX XXXX, XXXX, XXXX. IT IS NEVER ENDING. this company is disgusting and if they do n't stop calling me to collect a debt that is not owed I will sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: CO

Complaint narrative:
I 've written letters to Experian in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXof XX/XX/XXXX& XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX regarding inaccurate, fraud victim and outdated information showing on my reports. All 3 bureaus removed and reinserted the same information I disputed. I 've sent certified mail and there response time is not timely. I 'm very frustrated and after reading sec. 611 609 & 623 my rights were violated.
Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : :XXXX  XXXX XX/XX/XXXX XXXX : :XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX : :XXXX XXXX XX/XX/XXXX Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) WXXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) same acct number x 2

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 2017-07-07 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: CO

Complaint narrative:
I 've written letters to XXXX, XXXX XXXX, and Equifax in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XX/XX/XXXX &XX/XX/XXXX regarding inaccurate, fraud victim and outdated information showing on my reports. All 3 bureaus removed and reinserted the same information I disputed. I 've sent certified mail and there response time is not timely. I 'm very frustrated and after reading sec. 611 609 & 623 my rights were violated. Inquiries : XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XX/XX/XXXX XXXX : :XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XX/XX/XXXX Inaccurate Information : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( old ) same acct number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I financed flooring and installation from XXXX XXXX in XX/XX/XXXX 2017. I was given an estimate of approximately {$2200.00} for flooring and installation. I applied for financing and approved for {$2500.00}. <P/>Once I received an invoice from Synchrony Bank the amount was much higher than my estimate. <P/>I called XXXX XXXX and asked them for an itemized list of charges but they could not explain the items. They said I needed to call Synchrony Bank. <P/>I called Synchrony Bank and filed a dispute. They could n't explain the charges either. They said I needed to call XXXX XXXX. <P/>I want to know what exactly i 'm being charged for and why the total amount comes to {$3200.00} materials/laminate & square ft. - {$1000.00} installation items & square ft. - How much per square foot and total cost of that service. <P/>Thank You, XXXX 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 monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Kashia Services
State: FL

Complaint narrative:
I took out a loan with Inbox loans awhile back and it 's getting harder for me to pay back the loan on a weekly basis I have XXXX kids and a wife we are barely makIng it and struggling to buy food for home, we do n't meet the criteria for food stamps according to them I make too much ( they base it off of my gross as to which I do n't bring that home ) for XXXX loan we did n't think we would get hit with XXXX interest. As we speak my rent is due and car Payment and looks like we will in the negative when we do these not to mention next week inbox loans will be deducting there XXXX again. Also I ca n't access my schedule payments list or log into inbox loans to see my agreement either. It asks for email and last 4 of social security number and I keep entering it but not see either the contract nor my payment deduction schedule. I used my wife 's email as I do n't remember my log in crediantals

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Has contacted my husband repeatedly after my request for them not to/ and my husbands request to them not to contact him Portfolio Recovery offered a debt settlement and I accepted via mail and sent two checks to them post dated for XX/XX/XXXX. Portfolio Recovery attempted to cash one check on XX/XX/XXXX which resulted in a overdraft fee to my checking account / on Friday of the same week Portfolio Recovery returned my other check and stated then that they do not accept post dated checks. A stipulation not in the original agreement. The second check and both payments for the two accounts were rejected by Portfolio Recovery. They resended the debt settlement offer. They have insisted to have direct access to my checking account upon which I have refused. In turn I asked to set up a payment plan in writing asa formal agreement from them to me so I could settle my debt. They rejected my offer to pay them via an agreement that did not include my permission to them to access my checking account. They would not take any other form of payment other than a direct bank draft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase Bank has been told to not honor any electronic withdrawals from my account by  XXXX   XXXX , yet they continue to accept these illegal electronic transfers from my account by  XXXX . The most recent try was this week where  XXXX  tried to withdraw {$640.00} causing a {$400.00} shortage in my account for which  Chase  charged me an overdraft fee and a fee to stop the  XXXX  transaction. Chase has charged me a fee each month that  XXXX  has illegally tried to take money from my account and I do n't know how to stop this. I have asked them repeatedly not to honor any electronic transactions from  XXXX  but they continue to honor them and then charge me to correct their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
They are not sending my banking information in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
XX/XX/XXXX fell in between the grace period, there is an unexplained late charge attached to my mortgage that needs to be removed. The company told me to have my lawyer explain it when I called. BSI does not credit your account until the money gets deposited in the bank. Not when they receive payment. It seems every time I file a complaint, I am penalized with an unexplained fee added to my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc.
State: NV

Complaint narrative:
This collection agency, HP Sears, has listed a collection account on my credit file. I have never done business with HP Sears. I do n't have a signed contract nor any other type of contract with HP Sears. I have the right to demand to see a signed contract between myself and this company. <P/>Also as of XX/XX/2017, based on the Nevada government website for financial institutions ( fid.nv.gov ), HP Sears does not currently have a valid license in the state of Nevada to collect on debts. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and HP Sears. I also request to receive physical proof that HP Sears is licensed to collect on debts in Nevada.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: TN

Complaint narrative:
I am providing you with my former employe rs EIN num bers received from social security. I n  XX/XX/XXXX . I  worked for   XXXX   XXXX  . Fro m  XX/XX/XXXX - XX/XX/XXXX  I  was employed with   XXXX    XXXX . I was employed with  XXXX    XXXX    XXXX  from  XX/XX/XXXX - XX/XX/XXXX . Their EIN #  is  XXXX . I was employed with  XXXX   XXXX   XXXX   XXXX   XXXX  from   XX/XX/XXXX - XX/XX/XXXX .Their EIN #  is  XXXX . I 've sent  XXXX   XXXX   XXXX  a copy of my current drivers license. I just updated my address to reflect my current address. My new address is  XXXX   XXXX   XXXX   XXXX  Tennessee  XXXX . My late mother & father social security numbers are  XXXX  &  XXXX . I changed my name through probate court to  XXXX   XXXX   XXXX . My maiden name is  XXXX . My parents social security numbers are being used, even though they are deceased. Equifax is ignoring all of the information I submit. Even if I mail everything they request. I took a picture of my drivers license & sent it to you. I will submit copies of my parents death certificates & my marriage linsence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been paying Experian monthly for regular access to my credit report and score only to find out that my score which they show me when I log on is significantly lower by almost 100 points based on the mortgage lender who just pulled my score. When I called Experian to inform them that this difference has cause me great harm, they basically gave me the run a round and refused to fully refund my monthly payments. I also explained to them that I was aware of the XXXX XXXX dollar fine which they had to pay based on the fact that disclosures were not prominent enough on their website based on a report by the CFPB.

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 2017-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: STATE EMPLOYEES CREDIT UNION
State: FL

Complaint narrative:
I sent bank statement to this app to try and get money in advance .... it 's been since XX/XX/XXXX or XXXX 2017 and I have not received any money. I just wanted to know what 's taking so long??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The company is Portfolio Recovery Associates, LLC. The address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. I like to file a complaint on them because they are not licensed to do business in Georgia. I have been receiving this letters forever and I do not owe this bill. The date they have is XXXX XXXX, 2015 and the amount is {$510.00}.

Company response to consumer: Closed with explanation