vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
Talked with western finance last month before the due date and told them I was having some money issues and I would take care of it as soon as I can. That day was XX/XX/2019. Today is the XXXX  XXXX. They came out at XXXX. Asking for payment and I already called and told them I would take care of it soon. They want me to call everyday and my phone is not working. I was in a car accident 2 and a half years ago and I'm waiting for my settlement. I've tried to work with them but they come by the house. And they want me to call everyday. I've done my part. I want them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX TransUnion and XXXX  Show different Date and year of Last Active. TransUnion Shows XX/XX/XXXX. and XXXX  Shows XX/XX/XXXX how is this possible? this is inaccurate and a violation of the FCRA and needs to be Deleted.

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 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I received a credit alert stating that a company by the name of XXXX XXXX XXXX added a collection to my XXXX, XXXX and XXXX alleging I owe them {$2400.00}. To date XX/XX/XXXX this company has not notified me of this alleged debt and by not notifying me they have denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al. This debt has been disputed with the credit report agencies and all they are doing is stating it has been verified, but yet this company has not provided me with ANY type of documentation or communication. This debt is to be removed from all three credit bureaus immediately and proper procedure and protocol followed. I have no reservations in litigating this ridiculous practice performed by XXXX XXXX XXXX in a court of law where I will seek punitive and statuary damages to the fullest extend of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 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: GA

Complaint narrative:
An item was ordered from XXXX  and the treadmill was never delivered and the order was canceled. I called the credit card company, I was told that they can see that XXXX issued a credit for the full amount of purchase plus shipping, but the refund is in a pending status and thus they could not change the information on my credit report. I have done everything that I need to do, I not sure what to do at this point.

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 2019-02-22 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: GA

Complaint narrative:
An item was ordered from XXXX  and the treadmill was never delivered and the order was canceled. I called the credit card company, I was told that they can see that XXXX issued a credit for the full amount of purchase plus shipping, but the refund is in a pending status and thus they could not change the information on my credit report. I have done everything that I need to do, I not sure what to do at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
I have direct deposit on my NetSpend card and I lost my NetSpend card and canceled it and I have been trying to transfer the amount allowed to another NetSpend account and have been trying for three days now with no success because they keep giving me a hard time and i have called a total of 14 times in one day alone and getting some recording 4 times in a row saying they could not hear me and it was my phone that was having difficulty and each time was the same voice and same exact message pretending to speak to me when it was just a recording. also they went from giving me different information each and every time i called about how much money i was allowed to transfer and each time i was getting told the amount went lower and lower at the very end i was only able to transfer XXXX dollars, which makes me feel like i am being deprived of my own earning and they have complete control over my money. in the end i asked to speak to a manager or supervisor with the last 3 reps i spoke to and each time they were hesitant and made me wait more then 45 min each time to then lose the call when being put on hold, so i decided to wait another 45 min one last time and finally i was able to speak to management which also gave me a hard time. so they went from me being able to transfer XXXX in the morning to XXXX dollars by XXXX XXXX  a total of 1 hour and 45 min i think is not fair or comforting plus they would not give me contact information on anyone above them to contact and kept telling me that they would send an email to them and i would be contacted in two days. lastly it has been more them 2 months that i expedited my order for a new card which i was charged and was to get in the mail within 2 days and never have recieved it and i have called many times about the matter each time being told that they will send a new one and cancle the last one ordered so that why i have to keep transfering money to a new card each time and being charger XXXX dollars for each transfer which is robbery when they are failing to meet my needs as a customer. this is my hard earned money and they are holding and keeping it away from me.

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 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
Around XX/XX/2018, there was were faulty plumbing, wiring, and heating unit issues in the property I was renting/leasing at the time. I was told by the landlord that it would get taken care of immediately. It never get taken care of, as a result, the electric bill for one month alone was over {$1000.00} due to these faulty issues. The landlord was supposed to pay this bill, since it was his fault. However, instead this was charged to me. I was not informed this would affect my credit, but since I could not get any hep from the landlord, I did my best to pay this debt anyway. I never received any notice that this would be transferred to collections. However, when collections did call me earlier this year, I still attempted to settle the debt by getting on a payment plan for the sake of my credit. They told me that this would not be reported negatively on my credit report if I began a payment plan. So I proceeded. I have discovered that that they STILL reported negatively on my credit report, and this is hurting me terribly. All this for a debt I do not even owe. I can not get any help on this matter from the company collecting the debt currently listed on my credit report CREDIT MANAGEMENT LP. I also could not get help from XXXX XXXX XXXX who initially charged me such an outrageous bill from a faulty home that the landlord was supposed to repair. I was never even notified in writing about the outstanding balance or that it would be sent to collections. I spite of all this, I am still on the payment plan and am working to pay off this debt I should not owe as agreed when promised it would not affect my credit report if I took action. With that said, I would like to please get this negative remark removed from my credit report ASAP. Although I wish I did not have to pay this at all, I understand someone needs to pay it and I know my former landlord will not. I truly appreciate any effort on this issue.

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 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
Paid amount to original creditor ( XXXX ) XXXX stated that it would be a pay for delete from my report if the amount was paid in full. They also confirmed that the collections account would be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
per investigation received XX/XX/18 by XXXX on a XXXX XXXX XXXXdebt illegally obtained through identity theft means. again I had been going through domestic financial abuses from the alleged perp. I obtained multiple XXXX XXXX. could not obtain permanent one on bases of cyber intrusion. I had reported multiple times to XXXX. originally I had made attempts to rectify the debt. at one point XXXX XXXX had offered half the debt. I value my credit and put into consideration. since I hadn't any proofs of whom attempted identity theft. once I contacted back the company had disbanded. no longer was I able to contact. I again repeated attempts once an black market predatory collection agency persued this debt. I believe the perp I kept seeking remedies to stay out of my life maliciously reinvented this black market sale in attempts at hurting me. I contacted once again XXXX identity. thery did more investigative measures anf while my credit bureas reports show no balance under te original creditor XXXX, XXXX and a XXXX pay status and zero collections.no amounts shown under XXXX XXXX the black market XXXX XXXX the debt buyer SHOWS A BALANCE STILL.IN ALL CREDIT BUREAS. I WAS A VICTIM OF FRAUD IDENTITY THEFT DOMESTIC FINANCIAL ABUSES. I AM SEEKING POSSIBLE REMEDIES IN THE FUTURE ON THST CASE. HOWEVER, THESE DEBT COLLECTIONS, WHILE XXXX  HAS DONE AS BEST AS THEY COULD, IT ADDS UNTRUTHFUL CREDIT DEBT ANALYSIS. I AM TRYING TO REGAIN MY LOSSES FOR THESE CRIMES. IT HINDERS MY CHANCE TO HOME PURCHASES AND A MODEST FAIR ONE AT THAT. I ASK FOR THE REMOVAL OF BOTH XXXX XXXX CREDITOR AND XXXX XXXX XXXX COLLECTOR TO BE REMOVED FROM ALL BUREAUS. XXXX HAS DONE MUCH INVESTIGATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Hi, I have has many issues with Citi advantage credit cards. I tried using it for the first week I received the card and it was accepted. A few days after I tried again and was denied. I called and was told they couldn't verify my information. I paid the balance off and I have tried to cancel the cars multiple times and without luck. The same response is given every time I call to cancel the card ; they can't verify my information and they can't cancel my card. For whatever reason, my number can't be verified on their end. Please help me with this issue so I don't continue to pay interest to a card I can't use.

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 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been with capital one, from XX/XX/XXXX, I used to get my statement in the mail, until I move to my new address last year, which is XX/XX/XXXX, They change the payment date from the XXXX of each month, to the XXXX of each month, I wasn't notified, I only saw it when i logged into my account online.. 
Now, the due date is the XXXX of each month, I logged into my account to pay my bill, mine you, I pay XX/XX/XXXX at XXXX pm, and Capital one still charging for late payment. This is Scamming on a different level, How can they charge for late payment, when I am paying on the due date.. Is this possible?? Let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Synchrony bank has multiple accounts and some of the accounts are not mine. Also they reported that I have made little or no payments when I have records of every single payment I paid to them. They also claim that they refunded my account for late fees because they were auto debting prior to the due dates as well as charging late fees ( although I did see it reflected in my balance at all ).

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 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
XXXX, XXXX XXXX. And the appointed Fiduciary XXXX XXXX XXXX, are in violation of the consent order.The appointed Fiduciary XXXX XXXX XXXX, received a NOTICE OF DISPUTE AND A NOTICE OF FIDUCIAY RESPONSIBILITY PRODUCTION OF TRUST INDENTURE on or about the XXXX day of XXXX XXXX.On or about XX/XX/2018 i received a letter from Mr. XXXX XXXX , Midland Credit Management , inc. stating that all collection attempts will be ceased until conclusion of the investigations which i never recieved. On or about XX/XX/2018. Midland funding llc. filed and was granted Motion For Judgment By Default, under c.r.c.p. 312 ( a ) .where it states The defendent has failed to file and serve a responce to the coimplaint and no responsive pleading has been filed with in the time permitted by c.r.c.p. 312 ( a ). XX/XX/2018 i filed a Judicial Notice of Adjudicative Facts, also filed was the Consent Order, and other evidence. ON or about XXXX XXXX thw jugde put a Stay Of Jugdment and ask me to seek relief which is pending ( cfpb ) findings.On or about Febuary XXXX i recieved from Midland Credit Management a letter stating, A Judgment has been enterd against you, for $ XXXXEven though the jugde put a stay on the judgment.And the judgment was for {$2800.00}. so agian they are violating the consent order and asking for more than the judgment was for. 
Whereas Midland Funding Llc, and the Appointed Fiduciary XXXX XXXX XXXX, failed to answer the notice of Dispute and Violate the consent Order with the intent is to deceive and or mislead me. 
Whereas Midland Funding Llc, and XXXX XXXX XXXX willfully and wanton act dangerously, done heedleesly and recklessly without regard to consequences or of the rights and safety of others and conduct a act of malice intentions which were to mislead, XX/XX/XXXX county court administrator and defraud the UNITED STATES GOVERMENT with false represantation or deceptive means to collet or attempt to collet a debt unlawfully. 
Whereas, XXXX XXXX, and family are intitled for Relief, under Colorado revised statutes Title 13 courts and court procedure XXXX limitations on damages for non-economic loss or injury.And any relief that can be sougth after for there violation of the consent order. 
Relief available, ( CFPB ) 12 US CODE 5565. 
We pray that the ( CFPB ) and the XXXX County Court Administrator grants XXXX XXXX, and family relief and ORDERS Midland Funding, Llc and its appointed Fiduciary XXXX XXXX XXXX, Civil Money Penalties and Damages for non-economic loss or injury and viod judgment. 
Respectfully submitted XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: CA

Complaint narrative:
the credit bureaus are reporting bankruptcy filings on my credit file.they do not contract with the bankruptcy courts. i asked where they gathered my information from, they refused to say. i asked who it was stole my information, so that i could sue them, they refused to give info to me. I asked where is the Law the code, that allows them to steal my information, place it in my credit file, without a contract with me, without my consent, and all 3 bureaus have refused to provide this law. i asked the bankruptcy courts, the code, the law, giving me them the authority, to take my information, profit off of it, without my consent, they can not provide this law. the credit bureaus are doing ultra-vires acts, no authority from Congress, its Frankenstein running the show. can anyone stand up to these giant corporations that abuse the american people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc.
State: FL

Complaint narrative:
M & M CREDIT is reporting negative information to my credit report as a debt collector. The debt they have reported is for {$300.00} from XXXX XXXX XXXX. I do not desire to work with a collection agency under any circumstances for this reported debt. The debt is with XXXXXXXX XXXX XXXX and I am able and willing to settle the debt with them. The reason the debt with XXXX XXXX XXXX was not been paid, is because I believe I was charged excessive fees for an overdrawn checking account. I've been in contact with XXXX XXXX XXXX multiple times regarding the debt but did come to an agreement for the settlement amount. I would like to settle this debt with XXXX XXXX XXXX  directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: First Data Corporation
State: FL

Complaint narrative:
I own a business and have been writing checks to XXXX XXXX for years. I have NEVER bounced a check with them or any business. Two weeks ago we switched banks and now TeleCheck denies each check I try to write. This is hurting my business as we are not able to get needed material. I have spent numerous calls and hours trying to get a straight answer, can not get someone to give me a straight answer. Was told that I have to wait and try to write check after a week but still denied and the last customer service rep stated that I have had to many checks declined. This is not true, I have never bounced a check and this company is causing me to loose business, and a reputation. They can not give me a straight answer as to why I am being declined and what steps to take to rectify the situation.

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 2019-02-22 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: Patenaude & Felix A Professional Corporation
State: HI

Complaint narrative:
Previously I filed a complaint, # XXXX on XX/XX/XXXX. I thought my complaint was resolved when the company Felix Patenaude sent a letter stating they will no longer contact me at ( XXXX ) XXXX to inquire about a XXXX XXXX XXXX. Today, I received another phone call from Felix Patenaude inquiring about a XXXX XXXX XXXX. I spoke with XXXX XXXX and told her again that there is no XXXX XXXX at this number. I also told her that in XX/XX/XXXX I received a letter from her company stating they would not call me after I filed a complaint with CFPB. She hung up the phone on me. I would like CFPB to penalize Felix Patenaude for violating the Fair Debt Collection Practices Act ( FDCPA ). Prior to my complaint with CFPB, I called Felix Patenaude twice to inform they not to call my phone number and informing them that I do not know nor related to the XXXX XXXX XXXX. 
I called the person that signed the letter from Felix Patenaude and this person 's extension does not work, extension XXXX. I was later transferred to XXXX XXXX said she will again put a do not call on the file. This is not my debt however they keep calling me to ask the same questions about a XXXX XXXX XXXX. 
This collection all started about 2 years ago when XXXX XXXX collection agency call me about a XXXX XXXX XXXX from XXXX, AZ. I told them there was no XXXX XXXX XXXX at this number and not to call again. The person at XXXX XXXX did not like my answers to her so she tells me, " they will get me another way ''. Six months later I receive a phone call from Felix Patenaude, again asking for XXXX XXXX XXXX. 
I explained to all the collection agencies that the XXXX ( no middle initial )  XXXX I know is my father-in-law. I passed away in XX/XX/XXXX, over 18 years ago and my father-in-law has never lived outside Hawaii. This is not his debt. 
These collection agency constantly call me and harass me about XXXX XXXX XXXX because a " XXXX '' search states some how connected to me or my husband. Both my husband and I do not know this XXXX XXXX XXXX nor have anything to do with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander USA repossessed my car after I told them that it was inspected by FEMA for possible damages reimbursement from hurricane Harvey. They then proceeded to place XXXX in collections on my credit report and continuously lied to credit bureau dispute investigators. They finally removed it from my XXXX  and XXXX however it's still on my XXXX   report. This company repossessed my car after me telling them that I was engaged in a racial descrimination lawsuit against a previous employer.

Company response to consumer: Closed with explanation