vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I reported to Wells Fargo, XXXX and XXXX that a student loan was appearing on my credit report with a number that doesn't belong to me and inconsistent info I do not recognize. Wells Fargo checked my name and SS # over the phone and said they did NOT have record of me owing anything, it appeared to be a mixed filed error and would forward the case to a specialist who would resolve it in 9 days. Instead, they continued to report to the account as mine with inconsistent data to XXXX and XXXX at the end of XXXX when the issue was supposed to be resolved causing me an entire extra cycle of bad credit reporting when I am in need of financing with what should be an excellent record. I waited a full 30 days before calling Wells Fargo about it two more times and when I finally reached the specialist, he tried to tell me the loan was mine but couldn't provide proper history or dates. The account number is not mine, the data reported to the two unions is not consistent or complete, XXXX  showed a recent payment made ( def not from me ) and shows full amount as a current balance, min monthly payment and NEW negative item even though the account in question was closed and charged off in XXXX though both unions have different payment histories. The account also seems to disappear at random with no data or report for various timeframes and then come back.

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 2019-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Marlette Funding, LLC
State: MA

Complaint narrative:
borrower requested refund of overpayment equal to 5 payments .that account is due for 2020.refunding this amounts are borrowers own money and a credit, it was  denied without reason by XXXX at marlette funding and XXXX XXXX at marlette

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Re : XXXX XXXX Credit Card Account with XXXX XXXX This CC was current until a financial hardship came about in XX/XX/XXXX. Began working part-time XX/XX/XXXX and paid here and there amounts but not enough income to continue paying minimum due to keep card current. At this time the debt incurred was approximately {$1800.00} give and take a few dollars. I contacted XXXX XXXX to inform them of the hardship and that I was not able to pay. They continued to hound me but still could not pay. The account was closed but XXXX continued to add on fees after I informed them that I was trying to catch up. 
Now XXXX has sold the account to a collection agency named XXXX XXXX XXXX XXXX. This company legal team named Aldridge PIte Haan LLP are suing me for an amount of {$3200.00} by way of the local XXXX County, Georgia magistrate court. I have answered once as XX/XX/XXXX and spoke with a representative at XXXX XXXX to consider paying back the {$1800.00} charges but not the after fees after the account was closed and charged off. I am asking FTC to please assist me with this because I refuse to hounded by the court system for fees that I did not occur after I did my part by staying in touch with them back in XXXX about my financial situation. My history before the financial hardship shows that I was willing to pay the debt incurred. The financial hardship came due to a family emergency where I had to reduce work from full-time to part-time. I have written letters to XXXX XXXX as of last year XX/XX/XXXX, XXXX XXXX referring to the {$1800.00} debt. Also, XX/XX/XXXX, I contacted the law firm at XXXX and spoke to XXXX XXXX to inform them that I am willing to pay back the {$1800.00} only. I agreed to {$300.00} dollars a month but did not hear back about where, when, and what to send the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX Experian received a dispute where i was disputing a bankruptcy. On XX/XX/XXXX I received a letter back from Experian stating that my bankruptcy was deleted completely off my report. On XX/XX/XXXX they mailed a letter stating that the item was updated from their processing of my dispute in XX/XX/XXXX. I have not submitted a dispute since XX/XX/XXXX. They have commited fraud and is in violation by adding the bankruptcy back without notifying me within five days and also lying about me disputing the item in XX/XX/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 2019-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I had XXXX car insurance. Company sent me a letter they where canceling my policy because I could not obtain the last 5+ years of a prior insurance company. Once I received notice XXXX was dropping me I obtained auto insurance elsewhere. XXXX then requests proof I had coverage. I mailed it to them but it appears they overlooked it and was upset I left them. Now XXXX turns this bill over to this collection office. I am now currently in the process of filing a civil lawsuit for damages against XXXX and Credit Collection Services. Service of the suit will be received soon to both parties. Posting this to my credit reports has impacted my scores and caused damage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
SPS is attempting to foreclose on my home with fraudulently assignments. The assignment was created after the cut off date of the pooling an servicing agreement filed with the SEC I have submitted a QWR and requested proof of claim. I have not received a response to my request date XX/XX/2019 XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I opened an account with Best Buy at their urging to get a rebate. When I tried to claim the rebate, it was not available. They apparently checked a box that said they could neither call or mail me about a balance due. I received no invoice on the account and thought it was paid in full. I closed the account on XX/XX/2019. On XX/XX/2019, I received a letter demanding payment of an account that was 159 days past due despite having never received an invoice. They advised they sent me an email saying I could go to the Best Buy Visa Citi website to view my bill. I never received this. They told me my {$3500.00} bill was now {$4200.00} and they could waive only one month of late fees. Or, I could compromise the bill with {$2100.00} and they would report to the credit bureau I could not pay my bills. I told them I would pay the full amount for the invoice but not late fees as I did not receive an invoice. They said that was not an option. They also said to call me I would have to agree to have my cell phone number used for their partner sales calls as well. So, Best Buy committed fraud with the rebate offer which was fraudulent and Citi VISA in not providing me a bill and then offering as an option either a bad credit report or an high late charge ( {$700.00} ). Neither is an acceptable option.

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 2019-07-24 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: FL

Complaint narrative:
I CONTACTED TRANS UNION AND THE STATED THEY CAN NOT FIX THE FACT THAT EVEN MY OLDEST ACCOUNT IS 20 YEARS OLD AND  APPEARED 11 YEARS CAN NOT DO NOTHING. THEREFORE I NEED ASSISTANCE TO MAKE IT AS IS SUPPOSED TO SHOW 20 YEARS. 

THANKS 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 2019-07-24 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: EQUIFAX, INC.
State: MT

Complaint narrative:
I am a victim of Identity Theft and monitor my credit report regularly. I recently viewed my Equifax credit report and observed several concerns regarding the hard hit inquiries on my credit report. My 1st concern is that a hard hit inquiry is still reflected on my credit report that shouldn't be and that is XXXX/XXXX dated XX/XX/XXXX. The hard hit inquiry is over 2 years old and is required to be removed since it's more than 2 years old.  My other concern are hard hit inquiries that I don't recall authorizing. 

Equifax - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 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: CA

Complaint narrative:
On XX/XX/XXXX, I reported to XXXX XXXX, XXXX and Equifax that a student loan was appearing on my credit report with a number that doesn't belong to me and inconsistent info I do not recognize. XXXX XXXX checked my name and SS # over the phone and said they did NOT have record of me owing anything, it appeared to be a mixed filed error and would forward the case to a specialist who would resolve it in 9 days. Instead, they continued to report to the account as mine with inconsistent data to XXXX and Equifax at the end of XXXX when the issue was supposed to be resolved causing me an entire extra cycle of bad credit reporting when I am in need of financing with what should be an excellent record. I waited a full 30 days before calling XXXX XXXX about it two more times and when I finally reached the specialist, he tried to tell me the loan was mine but couldn't provide proper history or dates. The account number is not mine, the data reported to the two unions is not consistent or complete, XXXX showed a recent payment made ( def not from me ) and shows full amount as a current balance, min monthly payment and NEW negative item even though the account in question was closed and charged off in XXXX though both unions have different payment histories. The account also seems to disappear at random with no data or report for various timeframes and then come back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: CA

Complaint narrative:
On XX/XX/XXXX, I reported to XXXX XXXX, Experian and XXXX that a student loan was appearing on my credit report with a number that doesn't belong to me and inconsistent info I do not recognize. XXXX XXXX checked my name and SS # over the phone and said they did NOT have record of me owing anything, it appeared to be a mixed filed error and would forward the case to a specialist who would resolve it in 9 days. Instead, they continued to report to the account as mine with inconsistent data to Experian and XXXX  at the end of XXXX when the issue was supposed to be resolved causing me an entire extra cycle of bad credit reporting when I am in need of financing with what should be an excellent record. I waited a full 30 days before calling XXXX XXXX about it two more times and when I finally reached the XXXX, he tried to tell me the loan was mine but couldn't provide proper history or dates. The account number is not mine, the data reported to the two unions is not consistent or complete, Experian showed a recent payment made ( def not from me ) and shows full amount as a current balance, min monthly payment and NEW negative item even though the account in question was closed and charged off in XXXX though both unions have different payment histories. The account also seems to disappear at random with no data or report for various timeframes and then come back.

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 2019-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc.
State: MO

Complaint narrative:
I have repeatedly asked Consumer Portfolio Services to stop calling myself and my family members to try to reach me regarding the debt I owe them. I have already spoken to one of  their representatives back in XX/XX/2019 and have agreed upon a repayment plan. However, they continue to call me and my family multiple times per day in order to reach me regarding the outstanding amount owed. I have asked on multiple occasions for them to stop calling me, but they continue to call constantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XX/XX/3019. I got another call from XXXX, I recognize it as they have called periodically over the last 3-6 months. Every time I tell them they have the wrong number and they say they will remove it and never do. Yesterday, I got a call, it rang 3x and hung up, I called it back and they asked for my ex-wife again. I have been divorced for many years and don't want to hear the name. They don't care. This date I got a clown calling himself XXXX XXXX, the manager. I had to threaten to file this complaint to get him to the phone after 4 tries and claims that he is tooooo busy. I got him and he again said they would remove the number. 
I am familiar with contacting third parties after they have been advised to stop and this is a violation under the FDCPA and UDAAP. Each violation carries a maximum of {$1000.00}.  per violation. 
I want Convergent to leave me alone. They obviously just purchased another horrible portfolio, ( probably Bankrupt accounts as she filed for bankruptcy. They are famous for buying bankrupt and probate files to harass others. 
I called the number which is not listed and spoke to XXXX XXXX and dhe refused to share the address the agancy is located ; yet another violation. 
These people need an audit, I know for a fact that they have training but they sure do not apply the laws

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 2019-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been a Capital One customer since 2016 and during that time, I have enjoyed my experience with Capital One greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced accounts that date back to XX/XX/2016. Since that time I have been an exceptional customer paying early every month and have been rewarded by Capital One with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 3 years, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that Capital One is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with Capital One. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. Capital One has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Capital One is heads above the rest. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Phillips & Cohen Associates, Ltd.
State: GA

Complaint narrative:
Re : XXXX XXXX Credit Card Account with XXXX XXXX This CC was current until a financial hardship came about in XX/XX/XXXX. Began working part-time XX/XX/XXXX and paid here and there amounts but not enough income to continue paying minimum due to keep card current. At this time the debt incurred was approximately {$1800.00} give and take a few dollars. I contacted XXXX XXXX to inform them of the hardship and that I was not able to pay. They continued to hound me but still could not pay. The account was closed but XXXX continued to add on fees after I informed them that I was trying to catch up. 
Now XXXX has sold the account to a collection agency named PCA Acquisitions V LLC. This company legal team named XXXX XXXX XXXX XXXX are suing me for an amount of {$3200.00} by way of the local XXXX County, Georgia magistrate court. I have answered once as XX/XX/XXXX and spoke with a representative at XXXX XXXX to consider paying back the {$1800.00} charges but not the after fees after the account was closed and charged off. I am asking FTC to please assist me with this because I refuse to hounded by the court system for fees that I did not occur after I did my part by staying in touch with them back in XXXX about my financial situation. My history before the financial hardship shows that I was willing to pay the debt incurred. The financial hardship came due to a family emergency where I had to reduce work from full-time to part-time. I have written letters to XXXX XXXX as of last year XX/XX/XXXX, XXXX XXXX referring to the {$1800.00} debt. Also, XX/XX/XXXX, I contacted the law firm at XXXX and spoke to XXXX XXXX to inform them that I am willing to pay back the {$1800.00} only. I agreed to {$300.00} dollars a month but did not hear back about where, when, and what to send the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
I had {$2300.00} something showing as my balance someone deposited {$510.00} into my account instead of it increasing by that amount it decreased. This is with Cash App they have no phone support at all they say I should msg them on the app i sent them many messages only got a few responses basically telling me to download my statement at cash.app i did so and will attach it below according to them they stole money from me i told them to add it up themselves they don't respond to that at all nor do they respond that it doesn't match exactly the history in the app itself

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland debt collection agency has called me everyday for the last month looking for someone named " XXXX ''. They continued to call even after I told them that I was not XXXX. Twice they used *67 to block their phone number so it would say restricted, then would ask for XXXX when I answered. They also spoofed their number on multiple occasions. My number is on the federal do not call list and they continued to call after I informed them of this. They calls started onXX/XX/XXXXand continued everyday across multiple different numbers sometimes multiple times a day.

Company response to consumer: Closed with non-monetary relief