vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I am contacting you to see if you can help me resolve a problem that has been stopping me for years from getting back on my feet. I am a XXXX year old woman. The short story is that, between XXXX and XXXX I was scammed out of more than {$100000.00} by fraudulent lenders. I had a screening process in place which obviously was ineffective, so I continued to believe that the lender I was dealing with was honest. The problem I need help with is that several of those lenders contacted me and agreed to give me the loan. Three or four times, their method was to tell me they would be depositing a check into my checking account to verify it was authentic. Once the check cleared, I was to withdraw the amount of the check and wire it back to them which was when they would be transferring my loan. Each time, the check bounced a few days later. As a result, both the bank and I lost money. The last couple of times, I contacted the bank to make sure the check had cleared. I was assured it had so I did withdraw the funds and wire them back to the " lender ''. I never got a penny from any of them but the worst thing was that, eventually, I was listed on ChexSystems (? ) and I have not been able to open any kind of bank account for the last two years. I did not make a penny from the transactions and, although it was my checking account, the bank did clear the checks before I withdrew the amount of the check. I have receipts for just about every penny that I was scammed out of online. In fact, I have been notified that I will be getting a decent amount from a suit the government has done with XXXX XXXX regarding their participation in these scams. I hope there is someway you can give me to get this cleared up and my name removed from ChexSystems so I can open a checking/savings account. 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 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I paid the debt in full, was promised a receipt and update on my credit report. I never received a receipt other than a blank one and  my credit report verified it as accurate with the company, and it is showing I owe the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have advised the collection agencies for XXXX XXXX XXXX XXXX to not call my job multiple times and have provided them with Mobile number and they still continue to call my job. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted an investigation request to Experian and XXXX XXXX. They are supposed to respond with the results within 30 days, but they have not.

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 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bonneville Billing and Collections
State: GA

Complaint narrative:
There was a collection call from : Bonneville Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. 

I was not notified that the call was an attempt to collect a debt. I recorded the call. The woman on the phone did not indicate that it was an attempt to collect on a debt prior to asking me private information. She was harassing me asking if I had a daughter named XXXX. I was not in Utah during the time the debt was incurred and the bill was in my name with a fraudulent address. I questioned the validity of debt but got no where and the caller made threats of making repeated calls in a rude an abrasive manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted an investigation request to XXXX and Trans Union.  They are supposed to respond with the results within 30 days, but they have not.

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 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: AL

Complaint narrative:
I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I, am file a formal compliant again against Citi bank NA. That I though that had already being clean up and settle. some time on or about XX/XX/2013. we apply for a credit card an was deny. I came to the consumer financial protection bureau service for help. And to explain all the fact to then what I believer was race and discrimination. my compliant was surround there scores system. And being XXXX America with out any late payment or missed payment. Citi bank deny me a credit card but after the compliant was file they conduct there investigation that it was an error in the there system. just because of the discrimination claim they approve the credit line of XXXX with a cash avd. XXXX in about three month I request an increase and was prove that day with no credit check and got prove up to XXXX. again no missed negative. the only thank change was my age. income in my house went up. .Citi bank stated that they comply with ECO act equal credit opporturty act.. and they have decrease down to XXXX for no reason at all and pull a sores from XXXX who got big problem in it 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 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Submitted a previous complaint on this company and have provided verification/documentqtion that I do not owe this debt. I have asked to not be contacted but I receive at least 2 calls per day from the Debt Collector and at this point I am deeming it harassment. I am wanting them to know that I will pursue legal action for harassment should their communication attempts with me continue. Should they need further documentation/information they need to contact the original creditor and NOT me. 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 2018-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian is reporting a debt for XXXX XXXX XXXX on a debt I do not owe, and not mine. I have filed a police report, Case # XXXX. Experian is the only one reporting this fraudulent debt.

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 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX has not responded back to my attorney in which notice was sent to them regarding this debt with XXXX in which they never responded back to my dispute regarding this debt. XXXX was mailed several letters in regard to the matter before Midland Funding LLC bought this account and I still disputed the account with Midland Funding

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was charged twice for XXXX XXXX ticket which i cancelled and got refunded for 1 however Citi is not accepting my dispute requests and is not helping me get refund i believe Citi is not understanding that first time when i opened a dispute against XXXX XXXX which I cancelled allowed XXXX XXXX to do a duplicate charge exactly of the same amount which was reversed on XX/XX/XXXX by Citi.

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 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I went to suntrust bank to open 2 accounts on XX/XX/XXXX and XX/XX/XXXX. The day before the funds were scheduled to be available from the bank placing a hold I was told my account was being closed by suntrust bank. They refused to provide me any reasons and referred me to a consumer agency they used to make this decision. The accounts I set up were on behalf of my son. When a I contacted the consumer reporting agency they stated I had a XXXX XXXX XXXXXXXX account. I never had an account with them and told them it was inaccurate. They refused to listen and told me the info is correct.

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 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I opened a XXXX XXXX Credit Card from XXXX XXXX in XX/XX/XXXX in response to an offer for XXXX bonus XXXX Miles for spending {$3000.00} within the first 3 months of opening the card.The credit card application stated that if I currently did not have an XXXX Miles membership number to fill in, the field should be left blank, and XXXX XXXX would contact the applicant to complete the XXXX Miles membership. I completed the spending within the three months, and paid the annual fee of {$95.00}. 
Upon completing the spending, the XXXX bonus miles showed up om my XXXX XXXX credit card statement, but it has been almost 12 months, and they never posted to my XXXX Miles account. Initially I contacted XXXX XXXX, since I never received an XXXX Miles number, or any indication that my miles has posted to XXXX Miles, and was told that I should manually obtain an XXXX Miles membership number, add it to the account, and the bonus miles would then post. I obtained the XXXX Miles number and added it to the account, but only subsequent miles earned, XXXX miles to date, have posted. The XXXX bonus miles and XXXX spending miles never posted. I contacted XXXX XXXX numerous times over the next few months and each time was assured that the miles would post upn the close of the next statement. 

Finally, in XX/XX/XXXX I was told that since there was a problem with the XXXX Miles number originally, I would not receive the XXXX miles, only the new miles I would earn in the future. 

On XX/XX/XXXX I sent a letter to XXXX XXXX indicating that they were not honoring the terms that were promised to me when I opened the account. On XX/XX/XXXX I received a response that the problem had been corrected and my XXXX Miles account would now reflect the correct balance. 

Unfortunately this was not true, since my XXXX Miles account continues to show only the XXXX miles earned after the initial issue. The XXXX miles has not posted. On XX/XX/XXXX I sent a follow up letter, but received only a form letter in response indicating that I could initiate a complaint by sending a letter. It has been almost a year and I am frustrated that my issue has not been resolve despite numerous assurances from XXXX XXXX that it would be.

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 2018-08-08 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: OH

Complaint narrative:
On XX/XX/2018 I pulled my Experian credit report and noticed a social security number variation being reported. I called Experian to find out what collections company was reporting the incorrect social security number. I immediately disputed the social security number variation via certified mail including all supporting documents. ( Not really needing to prove anything considering they know my correct social security number as I am a customer. ) On XX/XX/2018 I received an email from Experian informing me that my dispute was ready. Upon veiwing the dispute Experian states The dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

How can Experian use such a XXXX excuse knowing the number being reported does not belong to me, knowing it does not identify me. They have refused to fix this problem and I feel like my dispute was not investigated thoroughly otherwise they would not be allowing this collections company to report a fraudulent social security number on my file.

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 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX is the Current Servicer Foreclosing On My Home. 
They are Not On Any NOTE or Deed Of Trust. My Loan was Originally Thru XXXX purchased in 2002 and has been Securitized Thru MERS and On XXXX XXXX As a Mortgage backed security. Nationstar is currently the Servicer only and Not On Any prommissary NOTE or not on any Deed Of Trust As an Owner, It is my strong belief that they have NO Standing To Foreclose And have No Rights to my Home especially since it has been Securitized Thru XXXX Years Ago on XXXX XXXX and Put Thru the MERS System. NO Current Note Could Be Found At All By Nationstar ( The Servicer ) Showing Any Proof Of ownership. It is my belief they are committing FRAUD on The Court and Fraud in many aspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: MS

Complaint narrative:
I'm writing this post again in tears dealing with this company. I checked my credit last year and found this account - since then my credit score has gone down 30 points. The bill is for a hospital visit - the hospital entered my social security number instead of my husband 's. This should be a quick fix right - wrong - In XXXX, my insurance company and myself did a three way conference call with EOS CCA - they explained to them how to correct this and have the bill paid. I was told it should take 3 to 4 weeks to clear. It's XXXX and know no one has a record of my insurance calling. I wrote their corporate office in XXXX, no response - can't get anyone from corporate on the phone. The phone call today last 5 minutes with - do you plan on paying this bill today - if not - I'm ending the call - I said no and she hung up ... ... .I 'm now considering taking them to court ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cordoza & Wexler Recovery Services
State: VA

Complaint narrative:
Company or agent of the company has been contacting and leaving threatening messages on both my office phone and my mothers phone saying that they have a serious matter and I need to call them back to confirm my work address so they can deliver " legal papers '' to me. They use different local phone numbers each time. The scripted person that makes the call will not provide me any information at all just expects me to give them my SSN, Birth Date, Address. 

I called their office and was told the calls where from an agent of theirs. This person gave me the company name and address but would not send me any write confirmation of a debt or tell me what the important legal papers where. 

I have confirmed my credit report has nothing from this company. 

( XXXX ) XXXX Cordoza & Wexler Recovery Services XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
They called my job even after I told them not to call. I got fired after the 3rd time they called. I talked to someone the day before and she hung up on me. Then they called again today at my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
I attended the University XXXX XXXX and opened a loan from EDFINANCIAL to pay part of my school bill at the time on XX/XX/2015 and right now its at its wort payment status with a balance of {$6700.00} and it is affecting my credit i need it off of my account before things get worse

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I have asked RS Clark and Associate to remove this from my credit report back in XX/XX/2014. I never got a respond back from RS Clark Associate. Original Balance {$53.00} and Highest {$0.00} Balance.And Status : Chapter XXXX Bankruptcy Dismissed. It's need to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Amscot Corporation
State: FL

Complaint narrative:
Amscot withdraw the money from my account and then they stated that they placed the money back in my account now there calling me 20 times per day harassing me for a payment that was already submitted. They have been literally calling me over and over again for several months. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Hours : Open 24 hours Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had some fraudulent activity on my account on my account in XX/XX/2018 statement. I disputed the charges and they were all ruled in the merchants favor. Afterwards I sent a certified letter asking for the evidence that led to their decision. However I never received and of that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: FL

Complaint narrative:
I have sent several Debt validation letter and All i ever get back from the company is that they have confirmed my name and address and amount. This is not proper verification as to confirm that I have a debt with them. Or does it confirm that they Legally own the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation