vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I entered into an agreement with Wakefield associates at the XXXX Tennessee office for medical debt. The debt was around {$1200.00}. My monthly payment I was told had to be {$120.00} or they could not assist with arrangements. The amount was paid for several months until I became ill. I then called a Wakefield rep to see if it would ok to lessen my payment for a couple of months and then return the original {$120.00}. I was told that it would be fine as long as I did not stop paying all together. So for one month I paid {$50.00}, the following month I paid {$75.00} and last month I began paying the {$120.00}. 

Beginning from XXXX to XX/XX/XXXXI have received numerous calls at work, which my supervisor does not allow personal phone calls. There have been two men calling stating they represent Wakefield and associates. 

They have been ask not to call again, but as of Friday XX/XX/XXXX the calls and hangups are continuing. The calls are harassing because they either call my direct ext and directly hang up, purposely allow my phone to ring to voice mail and then hang up or their asking any coworker who answers the phone questions regarding my personal business. Recently I have been receiving calls after XXXX XXXX and sometimes before XXXX XXXX. In addition to that, they have taken some of my payments and most recently {$120.00} and are not properly crediting my account. But they are consistently harassing and trying to intimidate me as if they are not taking my cash payments. 

Since I 've been away, I have a temporary house sitter, who witnessed an unknown man and woman in a car. the man approached the mailbox as if he was trying to read the mail. I 'm very honest in my reporting of this incident and I ca n't prove that this was someone representing Wakefield and associates but I simply have a strong suspicion that it was. Especially since my house sitter said that he heard the woman in the car say " lets call the cops, we 'll get her XXXX ''. How is this deemed professional protocol.

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 2017-11-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
On XX/XX/XXXX, XXXX imposed an annual fees of {$170.00} included GST {$11.00}.
I called XXXX customer services on XXXX/XXXX/XXXX at XXXX and spoke to an officer named XXXX XXXX , however, she refused to waive the annual fees. I requested to speak to senior manager. However, I did not get a call back within 48 hours as promised by XXXX. I received call from a lady manager named as XXXX. She reluctant to waive the full annual fees and offered me to pay half of the cost although I have been frequently used their XX/XX/XXXXXX/XX/XXXXat XX/XX/XXXX.. I felt very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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 XXXX XXXX, 2017, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.

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 2017-11-05 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 XXXX XXXX, 2017, I mailed requests to all three Credit Reporting Agencies demanding documentation verifying the accuracy of multiple items reported on my credit files with each agency, pursuant to Section 609 [ 15 U.S.C 1681g ], or the Fair Credit Reporting Act.The allotted time frame has elapsed for the companies to respond to my demand, either handling it as a standard dispute, or failing to respond at all, depending on which agency. These are nothing but stall tactics which I specifically warned each agency would not be tolerated. I have attached documentation showing my initial demand for verification. Any failure by each agency beyond this point will result in me forwarding all related documents to my State Attorney General.

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 2017-11-05 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: BB&T CORPORATION
State: NC

Complaint narrative:
On XXXX XXXX, 2017, the company placed an inquiry on my credit file with XXXX. I have attempted to get this removed by contacting both the company and the Credit Reporting Agency. BB & T has stated in writing that the inquiry was the result of a credit application from an automotive dealership. The only problem, which I have  explained countless times, is that I did not fill out an application with that dealership on the date in question. Had they checked, they would see that my signature is not present on any application used to access my file on that date.

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 2017-11-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Solutions Group, LLC
State: TX

Complaint narrative:
This company who named themselves as XXXX XXXX by phone, but recovery solutions group via email. Started leaving voicemails that should 've been private on my cell phone and the cellphone of someone I 'm close to. Below is the numbers called and a summary of what the agent said. I still have all recordings if needed. 

On XXXX at XXXX and at XXXX stating that I was being contacted from the Clients process division for an order on 2 pending matters. If I wanted to voluntarily resolve the issue to contact their offices. The messages were left on my cellphone and my friends cellphone. 

This company who never left their name again left a voicemail on XXXX, XXXX saying I was going to be served paperwork at my place of residence or employment for failure to respond. Those messages were left on a phone number which is not my number. 


This company left 2 voicemails on XXXX at XXXX XXXX and XXXX XXXX on my cellphone and my friends phone numbers stating your office need to verify my address to handle this matter outside of my county. 
The agent went on to say she could be contacting my Human Resources department, but the client was will to resolve the matter if I called in today.
This prompted me to call into their office while recovering from a XXXX that I had not even a week prior. Only to encounter the rudest person I 've ever spoken to. I told their representative that I had n't gotten any correspondence from their company and asked for an address. The representative refused to give me the address and threatened me with garnishment if I did n't comply and hung up on me when I refused. I called back and talked to XXXX who said she was a manager and she was unprofessional to say the least. She also refused to give me an address and threatened me with garnishment and hung up on me. 

I called back and asked for an address to send a letter requesting this company not call me any more the representatives refused to give it to me and repeatedly hung up on me. I eventually had them email me a settlement offer. Which I replied to asking them not to call me. The letter was sent once I provided them banking information. 

I did n't feel good about the whole thing so I put a stopped payment on the check. This company then calls both my cell and my friends and and left a message saying that a check bounced in their office and I needdd to contact them. Both messages were left on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
I already submitted a complain about false late charges for my Hyundai Motor Finance loan. After those were removed I now have a bad mark on my credit report for being 30 days late on my XXXX payment. I made this payment on X/XX/17 and the documentation is attached. I have never been late on a payment on anything in my life and have a credit score of over XXXX, the amount of issues I have had simply making my car payment are ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I bought a XXXX phone on XXXX XXXX, XXXX with a down payment of {$51.00} and returned it on XXXX XXXX, XXXX becasue it did not work as promised. XXXX charged my XXXX card {$5.00} for the data usage for two days. XXXX also charged my card {$50.00} for a " restocking fee. '' I disputed the restocking fee with both XXXX card and in an email to XXXX XXXX at XXXX. I have been contacted by XXXX XXXX of XXXX, who emailed me on XXXX XXXX that my account with XXXX is now closed with a XXXX balance. She said she sent me a prepaid card for the refund of {$50.00}, which I 've not received. On XXXX XXXX, XXXX I emailed XXXX back to ask why she could n't just apply the {$50.00} refund back to my XXXX card. I got an email from XXXX XXXX that said she would be out of the office until XXXX XXXX, and I should communicate with XXXX at XXXX. I forwarded my latest message to XXXX and received an email saying he will be out of the office untilXXXX. While the emails between me and XXXX went back and forth, XXXX has sent me bills for {$51.00}, {$100.00}, and a " final bill '' for {$76.00}. 
Yesterday i received a notice from a collection agency, Convergent. regarding the {$76.00}. It is not a legitimate debt. My relationship with XXXX was for less than 48 hours. The phone was returned. There was never a contract. On request, I can mail copies of bills, emails etc.

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 2017-11-05 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had an account with XXXX XXXX when I purchased my XXXX lawn mower in XXXX XXXX. I set up automatic payments from my account and every payment was made on time. In XXXX, XXXX XXXX took a payment early, thus making two payments in one month period. They then said I did n't make the following month 's payment and it was n't I received notice that they said I had skipped a month that I realized there was an issue. I called them and they said go ahead and do not make an extra payment and then we will correct it on our side, using the double payment to be the skipped month 's pament. They agreed that I had made the payment on time and would fix their records. Well, they never did. I continued to make payments until I received a notice from Synchrony telling me that they sold my account to XXXX XXXX XXXX and I still owed a balance of {$2100.00}. This letter was dated XXXX/XXXX/XXXX. I did not open it until XXXX XXXX and continued my automatic payments to XXXXXXXX XXXX and they apparently just passed the payments to XXXX XXXX. The mower should have been paid off in XXXX XXXX yet they still said I owed a balance of {$910.00}. 

I called XXXX XXXX and XXXX XXXX to resolve the situation. After many calls, emails and letters mailed it was resolved. On XXXX/XXXX/XXXX, I received a letter from XXXX XXXX stating that the account is considered closed, I had no further obligations and that the account would be removed from my credit reports. XXXX XXXX did do what they stated. 

My credit reports still shows late payments and an open account with XXXX XXXX for the lawn mower. It is impacting my credit score and I would like that account to state closed with no late payments. As this was an error on XXXX XXXX 's part, my credit reports should not show ANY late payments and this account should be closed, in good status. Please help this get fixed on my credit report. XXXX XXXX is terrible to work with and it was n't until 2 days ago when I applied for a loan that I am STILL being impacted by them. This should have been reflected a year ago and they have neglected to keep their promises. They are terrible and their business practice is deceptive. A number of people that I have spoken to about them have stated similar occurrences happening to them. I refuse to have another card with them and recommend no one deal with them unless you want to be conned out of money.
Please help me get this fixed on my credit report. This should state account closed in good status, with no late payments. Thank you for your assistance with this matter as XXXX XXXX has not been helpful getting this fixed.

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 2017-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: PA

Complaint narrative:
JH Portfolio has failed to provide the information for the account within the 30 day verifification period, so they agreed to remove it from my credit reports, however they did not and they are still reporting it on my credit report, check other cases from myself which they have said to you that they are not reporting it. I can provide screenshots of my credit report showing them reporting it.

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 2017-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In servicing my mortgage payment in early XXXX XXXX, Bank of America ( BofA ) applied a {$550.00} payment incorrectly, putting over {$500.00} to interest when the correct amount should have been {$19.00}. My wife and I had originally taken out the mortgage with one of the Bank of America 's predecessor financial institutions in XXXX XXXX. At some point, BofA ( and for several years ) had used XXXX ( formerly XXXX ) XXXX as its servicing agent. for the past few years, I had been making electronic payments to XXXX every two weeks, consistent with my payroll frequency. I was also paying slightly more than required with the aim to complete the mortgage a few months ahead of time. I had no issues when XXXX had serviced the loan. 

In XXXX of this year, servicing reverted to BofA. The very first electronic payment I made to BofA upon them servicing the loan was missapplied with the bank applying {$520.00} toward interest and only {$28.00} toward principal. This contrasts to the last payment I had made to XXXX in late XXXX wherein over {$500.00} was properly applied to principal and about {$21.00} was applied to interest. Also, in later {$550.00} payments made to BofA, the amounts applied to principal were consistently over {$500.00}. 

I have contacted the bank on at least five occasions beginning on XX/XX/XXXXnd while each person I had talked with seemed to think an error had been made, none of them were permitted ( by their job duties ) to correct the error. On three of those occasions, I was told I would receive a call back, but to this date, I have not. On one of those occasions, I went to a local branch thinking that might help resolve the situation, but it did not. As the error is in the bank 's favor, I feel that they are not motivated to correct anything. 

In one of those calls, the agent had told me that I was not permitted to make payments more than on a monthly basis, so there calculation was therefore correct. This was nonsensical, as the frequency of payments has nothing to do with how simple interest is calculated. 

This has been especially frustrating as I am a CPA and an auditor with a strong mathematical background. I know the correct calculations and have proven them out using XXXX, yet I can get no satisfaction, much less a return call, from BofA. I am toward the tail end of this mortgage, with the aim of having it paid off in full in XXXX XXXX so I ca n't wait long for a resolution.

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 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: FL

Complaint narrative:
The company is reporting the incorrect balance to Fed loan Servicing showing on my credit report. Please have University of XXXX do an Validation fo Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The company is reporting the incorrect balance to XXXX XXXX XXXX showing on my credit report. Please have University of XXXX do an Validation fo 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 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The company is reporting the incorrect balance to XXXX XXXX XXXX XXXXhowing on my credit report. Please have XXXX XXXXXXXX XXXX do an Validation fo Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company is reporting the incorrect balance to XXXX XXXX XXXX showing on my credit report. Please have XXXX XXXXXXXX XXXX do an Validation fo 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 2017-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Please excuse the reasons selected. I tried to make a small payment but the company 's website does n't recognize the routing number for my savings account. I emailed and verbally told employees that it was n't working. As of XXXX/XXXX/XXXX, the website is still not accepting the routing number. 

Message on website after entering routing number : The payment information provided is invalid. Please try again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05 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: SC

Complaint narrative:
Upon reviewing my EQUIFAX credit report I recognized that I have XXXX hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. 

Upon reviewing my XXXX file I also noticed XXXX hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX wf/dillards XXXX XXXX, IA XXXX that is showing for XXXX and XXXX

Company response to consumer: Closed with explanation