vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's calls me if I'm just one day late on a payment. I have two phone lines on my Conns account, and they call each line 3 or more times each. This is not less then 6 calls per every 12 hours ( XXXX XXXX - XXXX XXXX ). They repeatedly call me at work and at home. I have informed them that this is illegal and can cost me my job. They keep telling me that they can call me as long as I owe them money, and am at least 1 day late. I understand them giving me a reminder, but calling 6 or more times per 12 hours is just crazy! I would like to know how I can file suit against this company for harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX from XXXX XXXX has contacted my director of HR to " deliver '' a package to me. The following are the issues. 

1. They are contacting my HR with no legal ground. 
2. I do not owe this debt. 
3. They are impersonating another law firm. The photo on their website actually belongs to another real attorney. I discovered this with a reverse image search on XXXX. 
4. They are clearly not a legal company based on my conversations with them. I repeatedly set on hold for 1-2 minute intervals when them popping back on to see if i was still there. Once I asked to talk to the manger I was on hold for 10 minutes and then got sent to " XXXX from maintenance '' 5. They claim they mailed me a letter 45 days ago. They have the right address. I DID NOT get a letter. 
6. They claim they have tried to deliver a summons to me. They have my phone number, home address, and work address. It would require no work to serve me. 
7. They claim their is a current legal case open with me but can not provide a case number or the court it is with. 

This is not a debt i owe and they are not a legitimate company. I need them to not contact me or my employer ... .. 


Their website XXXX XXXX XXXX The image they are using on a real lawyers site ( I contacted this law firm and let them know ). The image is towards the bottom. 
XXXX XXXX XXXX The site on their number will not work. Their actual number is 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 2018-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Every year for the last 4-5 years Well Fargo has sent us threatening letters at every renewal period of home insurance. 
Our insurance is paid every year on time and regardless of which company we have, the correct first mortgagee is listed. 
This is ridiculous that every year I have to time time to answer to what I consider and inept loan servicing dept. I know this for a fact because in previous years, we personally sent the paperwork in as policy providers changed, only to still receive the same notice and threat to purchase home insurance.

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 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My identity was used to open bank accounts and credit cards. These applications were done through the computer. I have tried multiple times letting Amex, XXXX and XXXX XXXX know. XXXX XXXX researched and discovered that I was right. Since then they have removed the fraudulent account from my reports. However Amex continues to say they can not provide a copy of the application that was supposedly applied for using my identity. They are still currently updating the account as late and over the limit. This is causing my credit report scores to dwindle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I have had continuous problems with XXXX XXXX. They are taking advantage of people with student loans under the Public Service Loan Forgiveness ( PSLF ) program. They will not consider taking into account I have made over four years worth of payments to XXXX XXXX before moving my loans to XXXX XXXX in XX/XX/2017. XXXX has yet to tell me how many total payments I have made toward my 120 qualifying payments before the loan is considered forgiven. I have made numerous phone calls ( more than 5 ) to get an answer to this question and have not received back any consistent answers. They currently say they have my loan under a review, but that it could take months for them to make a decision about how many of my payments should qualify for their program. They also claimed they would not considered any payments that I paid ahead ( I explained I did this because of building interest ). I was promised calls back numerous times and no one reached out to me or returned my calls. I have been with XX/XX/XXXX for over two months and have yet to receive any notification of how many qualifying payments I have made nor have I received a date of which I could expect to be eligible to apply for loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
{$430.00} of payments missing and {$1100.00} of deposits listed as payments in transactions downloaded to accounting software? Told it would be resolved on XX/XX/XXXX. Called on XX/XX/XXXX and told it would be resolved on XX/XX/XXXX. Emailed on XX/XX/XXXX and told it would be resolved on XX/XX/XXXX. 

They are charging monthly fee but this problem has persisted for 2+ weeks

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 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
On XX/XX/18 I received notice from my credit monitoring services that a collection was placed on my credit reports, which significantly dropped my credit scores. I called Waypoint on XX/XX/18 which their office was closed. I called back onXX/XX/18 st XXXX EST and spoke with XXXX XXXX concetning removing the debt off my credit reports because I never received a letter nor a phone call. She informed me that she couldn't remove the item unless I started the dispute process. I told her this debt was already satisfied with another collection agency who had already removed it from my credit reports. I again asked that this account be removed from my credit report because I wasn't given proper notice and that I had the documentation to prove that I didnt owe it. I asked for an email address to send in my documentation, which she did provide ; however, she still stated she couldn't remove the collection. I stated again that I never received notice and that it should be removed because that is the law! On XX/XX/18 I have emailed my receipt document to Waypoint and I'm awaiting their reply to my email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I believe I am the victim of predatory lending practices and was taken advantage of during a difficult time in my life. 

While I only needed a lesser amount than the loan I got, I was convinced to take a much larger loan, which I am struggling to afford now. 

I only needed about {$3000.00} but was convinced by the agent on the phone that the {$10000.00} loan was a better deal and I should take it ( I only received about {$8000.00} in funds ) I did and am being charged over 75 %. 

I took out the loan in XXXX of 2017 and have made all of the payments so far ( about {$670.00} per month ). The company has already made it's money back on me and I feel they took advantage of me last year in a time of need. 

I had gone into debt by being out of work from XXXX through XXXX of 2017, going through a second divorce, and was about to have XXXX XX/XX/2017 in which I would have to take unpaid time off of work from a job I had just started. 

I would not have taken out such a large loan amount if not talked into it by the loan agent and am complaining to get my principal reduced to the original amount I wanted ( {$3000.00} ). 

Can you please help? 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received a letter from a company called XXXX XXXX , XXXX out of XXXX, GA. In that letter it discussed a credit card debt from XXXX that I swear I had paid, which was {$35.00}. Anyway XXXX XXXX offered me a settlement of {$82.00} of the amount of {$330.00} they said I owed. I paid it immediately. I was contacted several times by XXXX XXXX XXXX XXXX saying I owed the amount of # XXXX. I informed them several times that the debt had been settled through XXXX XXXX, XXXX. I was told there was no record. I have since learned from XXXX XXXX that XXXX XXXX XXXX XXXX   called on XX/XX/2018 to verify that it indeed had been settled. XXXX XXXX XXXX, said they spoke to XXXX from XXXX XXXX XXXX XXXX and confirmed this account had been settled. Now I receive additional mail from XXXX XXXX XXXX XXXX   informing that I still owe {$240.00}. That most recent correspondence from XXXX XXXX was mailed to me on XX/XX/2018. I also received another correspondence from XXXX XXXX, XXXX showing the discount I had paid to settle but showing the {$240.00} as amount owed and when I called them to question this, they told me the letters are standard and to see the small print that says, the referenced account had been settled in the office. I argued that the letter is misleading and the amount owed should reference a XXXX  amount since I was offered a discount price to settle and performed on that offer. I have tried unsuccessfully to contact XXXX XXXX XXXX XXXX as you are supposed to leave a message at their number, XXXX and the mailbox is always full. I have called 17 times today and can not get a hold of anyone. I have called XXXX XXXX XXXX at XXXX and they said it shows as paid on their end. In the meantime my credit report shows the full amount as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax already deleted the account in dispute. Now it's reinsert and they even changed the delinquency date to current so that they can have there for longer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$140000.00} OPEN {$140000.00} XXXX $ XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$76000.00} OPEN {$60000.00} XXXX $ XXXX {$60000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2018-09-17 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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$140000.00} OPEN {$140000.00} XXXX $ XXXX {$130000.00} XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$76000.00} OPEN {$60000.00} XXXX $ XXXX {$60000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : XXXX, XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX XXXX you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX 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 2018-09-17 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: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$140000.00} OPEN {$140000.00} XXXX $ XXXX {$130000.00} XXXX XXXX XXXX XXXX COLLECTION XXXX/XXXX/EF XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX -- XXXX {$76000.00} OPEN {$60000.00} XXXX $ XXXX {$60000.00} XXXX XXXX XXXX XXXX DELINQ XXXX XXXX/XXXX/EF Late Dates : XXXX, XXXX, XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TN

Complaint narrative:
This dispute is in response to mailed correspondence from your firm to collect a debt that I contend was not opened by me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX  / ERC is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I require verifiable proof ( an original Consumer Contract with my signature ). I require this physical verification within the next 30 days during which I request that XXXX XXXX XXXX XXXX / ERC cease and desist all collection efforts. Reporting this debt to credit reporting agencies without proper verification would negatively impact my ability to obtain credit and my next course of action will be litigation. If verification is not received within 30 days of this dispute under FCRA, unverified account reporting must be remove from all of my credit reporting agency reports.

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