vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 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: NC

Complaint narrative:
I'm a business owner. We often borrow money and we are always asked to sign personal guarantees. The loans never report to the credit reporting agencies since they're commercial loans. We currently have one reporting with Experian for a commercial loan or in this case a merchant cash advance with XXXX XXXX. Experian has refused to remove it from reporting as a loan on my personal credit report. I sent them the loan agreements for the loan, the incorporation and dissolution filings with the secretary of state. Those documents showed the loan was made out to a corporation that was also dissolved. Experian denied my request after requesting the documents be sent to them for review. They actually stated to me that XXXX XXXX  was their customer and they had an agreement with them.

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 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
My mortgage is interest only mortgage, my interest rate and payment is adjusting to and higher rate. I've requested a mortgage modification with my previous servicer who was XXXX XXXX XXXX. During the processing of my modification request my servicer changed to ShellPoint mortgage. I requested a mortgage modification and submitted financial several times. I feel ShellPoint mortgage isn't processing my documents and updating my file with the requested modification documents I've provided. I would like for ShellPoint to finalize my modification request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX Hard inquiry. Never was there- fraud

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 2018-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
I Have a medical collection on my credit file for a debt that hasn't even been settled in court yet because i was in an accident that was not my fault. My Attorney stated that i should file a compliant against this company for reporting a negative mark on my credit file on a case that is still open.

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 2018-01-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello All, Experian Report I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX  Date Filed XX/XX/XXXX XXXX XXXX  Date Filed 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 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I applied with an agent from American Express for a Gold card that promised XXXX rewards points if {$2000.00} is spent within 3 months of card activation. Now that I have card, I called American Express and was told since I had a gold card in the past, I was Not able to get the rewards incentive ever again. This WAS NOT told to me by the agent as I applied. It was originally offered through XXXX during checkout, and XXXX also backed off on their promise of a free year of Premier membership. I received the card in mid XX/XX/2016. AMEX promised to look into it, but it has been many weeks. If they do decide to honor their offer, I have only a few weeks to spend the {$800.00} needed to qualify for the " potential '' rewards. I am not using that card because I have better rewards using my XXXX cards : ) Can you contact AMEX on my behalf?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I have installed a landline in my home and a variety of debt collectors continue to call the number. I have blocked many of them, however they continue to change phone numbers to continue calling. I have attempted to talk to an operator to tell them the person who owns them must have changed phone numbers however the line disconnects each and every time i attempt this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My bank ( Wells Fargo ) is holding my monthly Federal annuity check ( amount {$2800.00} ) and not posting/crediting to my account on the date they receive it. I know this because my previous bank always posted on the date they received it which on nearly every occasion was days before the XXXX of the month. I believe Wells Fargo is holding it and earning interest on my funds.

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 2018-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I received two threatening telephone calls today from XXXX ( " XXXX XXXX XXXX XXXX  '' out of Michigan ) regarding a credit card bill, which was charged off over 7 years ago. They acquired ( purchased the file ) onXX/XX/2018. They said they were going to serve me papers between the hours of XXXX and XXXX regarding a lawsuit filed against me. When I contacted them with questions, I was hung up on several times, told to " pay your bills '' and " XXXX '' twice. I was also called a " XXXX XXXX ''. When I told them not to call me at work, they said they had no choice but to serve me. When I asked what my address was they began giving me several, all of which they obtained by doing a XXXX search. The representative confirmed this and told me that if " you are going to mention the company, get the name right '' ( I said XXXX because of nerves ). She then hung up on me. Representatives from Law Firms that specialize in collections leave false information and threats ( I've had this happen previously many years ago when I lost my job ) and contact any person with the same last name, always leaving the same messages for family members regarding the person they are trying to collect from. Their behavior is unethical, unprofessional, and completely disrespectful. Additionally, they threaten and give unlawful information. This company, in particular, needs to be fined and shut down. Their communication practices are unacceptable and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: TX

Complaint narrative:
ERC has reported the account was opened XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, I sent numerous letters to each credit bureau requesting accounts be validated and verified by sending pertinent information to identify my information. ERC was removed from my credit report, now it has reappeared. 

This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for financial assistance which was highly embarrassing and has negatively impacted my lifestyle. 

CREDITOR AGENCY - XXXX XXXX XXXX A/K/A XXXX XXXX XXXX Please delete the above information as quickly as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Paid on time each month the minimum payment as part of a balance transfer promotion. 

On the statement datedXX/XX/XXXX, the balance on the card of {$4200.00}, XXXX was under a promotional rate. It did not provide any notification that this transfer rate would be expiring. 

On the statement dated XX/XX/XXXX, the promotional rate disappeared but the interest breakdown showed XXXX balance on any lines charging interest. No notification was provided on the statement that a promotional balance was expiring or that any balance was being transferred to a different interest rate category. 

On the statement dated XX/XX/XXXX, the full remaining promotional balance was subject to 23.9 % APR. Upon receiving the statement I paid the balance in full including interest to clear out any balance. 

On the statement dated XX/XX/XXXX I was charged another {$53.00} for interest charges on the interest charges and additional interest from the time the XX/XX/XXXX statement was issued and I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am in the process of purchasing a home and came across a debt ( Portfolio recovery associates ) on my Credit report. 
I dont recall opening a credit card with set company. I am not admitting or denying this debt. I was not contacted by XXXX XXXX that my account was being sold to Portfolio recovery associates and not notified by Portfolio recovery that they were handling this account. 
I have contacted Portfolio Recovery and have made numerous attempts to try to resolve this account with Portfolio Recovery. Due to my financial hardship, family members are willing to assist and doing so Portfolio Recovery laughed in my face and mistreated me when I tried to offer an amount that I am being helped with. 
Due to the representative being very rude I requested to speak to a manger and after 5 times a manager by the name of XXXX finally came on the line and whom I might say was extremely rude and continued to laugh in my face, being very unprofessional. 
I requested to speak with with XXXX general manager and he refused to put his manager on the line and asked XXXX several times for the name of his general manager. 
I feel victimized when trying to resolve this account with Portfolio Recovery especially when this account is out of stat. 
This debt has been removed from one of the credit bureaus and I am requesting this item be removed from all credit reports since this account is out of stat. 
I am filling a complaint to have the appropriate actions taken with Portfolio Recovery for the embarrassment, harassment and unprofessional they have shown towards me and settling this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
For the past month I have been in constant contact with XXXX from XXXX XXXX XXXX. I explained to XXXX as well as two of his managers that this debt was incorrect due to me paying it off. XXXX then proceeded to tell me I owed over {$2000.00}. I again explained that this debt was incorrect. I also told XXXX to stop calling me as well as sent a cease and desist letter to his company. He then threatened me with legal actions stating that their law department wouldn't be as nice as he was. 

XXXX then proceeded to call me three more times since then. On the third time,XX/XX/XXXX, I asked them to provide information that showed that this was my account, mainly a signature or some type of agreement. They lied and said they had that documentation and it was my account because they had everything. They proceeded to send me multiple bills all with my name along with the WRONG address. They never sent me the documents I requested and never did their due diligence of proving that they were indeed contacting the right person. I explained that this was not my address and I have not lived there in over 8 years so it was impossible for me to have opened that account ( this account was opened 3 years ago ). 

I continuously stood my ground while they took turns asking me questions like " why did you stop paying? '' " Did you lose your job? '' " Did you have a baby? '' Each time I explained that this was not my debt and that was not my address. They then asked me why I didn't update my account so they bank could get in contact with me. I'm not sure what was going on on their end but I have never been harassed so much by a company in my life. If the information is incorrect and I can show documentation of my address which will show that this is not my account, why not due research to see if maybe there was an error or maybe even identity theft? Either way this line of questioning continued for 30 minutes and it resulted in the manager threatening me with legal actions over an account thats not mine! Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
good evening. at this time i have a strong offer on the property. right now i have an offer of $ XXXX, and the lender came back with the offer did not meet investor requirements. I have asked the lender what does that mean, and i have yet to receive answer. I feel as if the lender did not pay the attention to my offer that it deserves and i want them to go back and look at the offer on a more serious note. 
I am trying my hardest to get the property sold and the lender is thwarting my efforts at every turn. If this is giving me a foreclosure alternative then i am truly disappointed. I only want to try to take care of my responsibility since i failed at the first time. I want to sell the property and i need my investors assistance to sell 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 non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH

Complaint narrative:
I've been with this thieving company since 2013. Bad credit and a BK forced me to take their unconscionable terms for a car. The rate is abhorrent - they have only credited {$3500.00} of a {$16000.00} balance in 5 years. These people are vampires. I'm not even a month late and now they're back to the threatening tactics. I want this company to lose their license to make auto loans. They prey on people. It's disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX- Woke up to an email from Chase Bank Fraud saying there were suspicious charges on my account and to call if they were unauthorized charges. Chase denied several charges, but 3 went through ( {$1.00}, {$71.00}, {$100.00}, total of {$170.00} ). Charges took place in XXXX, Texas. I have proof ( through the same card with transactions ) that I was in XXXX, New Mexico when the charges took place. 
I called Chase on the morning of XX/XX/XXXX, explaining that I was in New Mexico and the charges were indeed fraud. They shut down my card, put the money back into my account and ordered a new card. 

XXXX XXXX I realized that the charges were reversed and taken out of checking account again. I spent an hour on the phone with the Chase escalation department explaining that I was in New Mexico, 10 hours away when the fraud charges happened. The Chase employee said that my story was valid and there was no way I could have been in XXXX, Texas where the charges occurred. I used my Chase checking card 4 hours before the fraud charges. The fraud charges happened 10 hours away from where I was! He filed a claim with this information. 

XX/XX/XXXX My claim was denied. Chase said the charges would stay on my account. I called Chase fraud escalation again, this call lasted 40 minutes. The Chase representative said that there was more than enough evidence to make the charges fraud.

1- I had proof I was 10 hours away from the fraud transactions.

2- There were 3 approved transactions and 4 denied transactions, making it look like someone kept trying to use the card until it was approved anywhere. 
3- They did not use an authorized chip card XX/XX/XXXXt- I just received correspondence from Chase that my claim was denied again. 

I do not have the exact times that the Fraud charges occurred, but I have attached Chase email from XXXX the morning of XX/XX/XXXX ( Chase rep said the charges happened 4 hours after my XX/XX/XXXX purchase [ plus the 1 hour time difference ] ). I have also attached a XXXX XXXX XXXX from the night of the XX/XX/XXXX in New Mexico.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/ check number XXXX in the amount of {$240.00} was presented and NOT paid by Bank of America. On XX/XX/2018 a fee for {$35.00} was charged. 

On XX/XX/ the check was returned to the business. 

On XX/XX/ the check was presented and processed electronically. 

On XX/XX/, THREE FEES in the amounts of {$30.00}, {$35.00} and {$35.00} totaling {$100.00} were charged. 

On XX/XX/ the check was again returned. 

On XX/XX/ a fee in the amount of {$30.00} was charged. 

FIVE FEES totaling {$160.00} were charged for ONE CHECK-which was never paid by Bank of America.

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 2018-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Real Time Group, Inc.
State: GA

Complaint narrative:
I got a personal loan from XXXX in XXXX allowing a lien on my XXXX XXXX XXXX. When I registered my car in North Carolina, XXXX received a copy of the title. In that state, the non-lienholder does not receive a copy of the loan. 

When I moved to Georgia in XX/XX/XXXX, I put down XXXX as the lienholder to contact for a copy of the title. XXXX never responded because they sold the loan to XXXX. Since I was notified in XXXX, I have been trying to get XXXX to get a copy of the title from North Carolina as directed by their DMV. 

Now at the end of XXXX, XXXX sold the loan to Real Time Resolutions. Since early XXXX, I have requested a copy of the North Carolina title or for this entity to request a copy. They keep saying they will send it, but never send it. It appears they have a copy of an old Maryland title, but not North Carolina. 

I am about to run out of time for my registration. My DMV refuses to allow me to renew my registration without a copy of this title. North Carolina can confirm that XXXX is on the title, but can not release a copy to me. 

I am not even sure if the lien was properly transferred to XXXX and now Real Time Resolutions. However, they are not responding to the DMV or myself concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Account Closure notice email from Coinbase regarding XXXX. 
I removed all my virtual currencies. 
However, I am not able to withdraw the USD I have on their system. 

XX/XX/XXXX Begin the support ticket process. 
Multiple telephone calls. 
Asked to not open multiple tickets. 
Wait a couple months with no help. 

XX/XX/XXXX Call again, account escalation. 
No response, no progress. 

3 months pass and my USD is still tied up in Coinbase. 

All it would take is a simple temporary approval to add my banking information to remove it.

Company response to consumer: Closed with explanation