vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
In XXXX, i was checking my credit report and notice an alert XXXX collection debt in the amount of {$560.00}. 
I believed it was send to XXXX XXXX credit bureau on XX/XX/XXXX from XXXX XXXX and Credence resource management LLC. 
On XX/XX/XXXX I send letter to XXXX, the collection agency and the 3 credit bureau XXXX send me monthly invoices but no validation that I ope any account with the company I have been with the same phone company for the past 10 years ( XXXX ) AND MY NUMBER IS STILL THE SAME I do not have any past or current account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
CITI CREDIT CARD charged an erroneous late fee of {$25.00} to my account that is always paid off to 0 each month. This was due to an error caused by the CITI Online web site. Talked to the Customer Service and the Supervisor whom would not give a credit back and stated they NEVER do under any circumstances as other ethical companies do such as XXXX or XXXX. DO NOT USE CITI I cancelled this account in disgust.

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 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
On XXXX XX/XX/19, I agreed to pay Midland Credit Management {$200.00} on XX/XX/19 and XX/XX/19. The auto draft did not take out on XX/XX/19. Each time I called, I was advised the representative handling my account was either closed or not available. I finally reached XXXX on XX/XX/19 in which he told me they were having " financial difficulties '' processing payments. When we first spoke he told me " ensure I have the funds in my account to process the payments '' which is why I told him no later than the XXXX or XXXX of the month so that I can ensure they are paid. My paycheck was cut short due to an HR issue in which I am waiting on a refund check via the mail. I have other bills I need to take care of now and when I told XXXX that he transferred me to his supervisor XXXX. XXXX said there was nothing he could do. I told him this has caused me nothing but stress and was unwilling to provide me with any other information other than " ensure there is money in my account ''. I asked when the payment will be taken as the contract that was agreed upon would take the money out on the first if the money was not there. I was not given an answer but only kept in a looped conversation. Highly frustrating and stressful to deal with when I work a full time job trying to get back on track with my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was called from a blocked number on XX/XX/XXXX threatening that I would be served with " papers '' about a debt if I did not call in 24 hours. They left me a phone number of XXXX. They also called my mother 's home with the same threats against me. Leaving the phone number of XXXX. That number belonging to XXXX XXXX XXXX XXXX, XXXX. 
On XX/XX/XXXX I answered the call from blocked number and spoke with XXXX XXXX. Mr. XXXX informed me that he is with the county, and he was to serve me with " papers ''. I asked Mr. XXXX to verify what county he was with, but he refused to give me that information, replying, " What does it matter? '' He then provided me with a phone number to call. When I called XXXX, I began speaking with a women that did not identify herself or her company. I asked her what their calls to me were regarding. She stated that I was being charged to attempt to " Defraud a Financial Institution '' and " Theft of Goods and Services ''. I asked her on what grounds, and she referenced a Capital One Card that had be paid and closed in XX/XX/XXXX. I informed the women that that account was paid and closed on that date, and referenced the case number in Missouri XXXX. 
She responded that it did not matter and I was still being charged in XXXX XXXX County. Further search of Missouri XXXX shows no open cases again me. I asked her for verification of the debt, and she stated that I was sent something in XX/XX/XXXX, but they would not provide me with any evidence of the account or the mailing they allegedly sent. 
She again warned me that I was being charged and I asked her to not contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: IA

Complaint narrative:
I applied to XXXX XXXX XX/XX/XXXX. Subsequent inquiries that followed I didn't not authorize are : XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. Three inqueries not authorized. Next, I applied to XXXX XXXX XXXX XXXX, XXXX. The following inquiries not authorized : University XXXX XXXX, XX/XX/XXXX. XXXX XXXX, XX/XX/XXXX. Two inquiries not authorized. Next I applied to XXXX XXXX XX/XX/XXXX. Subsequent inquiries I did not authorize. XXXX XXXX, XX/XX/XXXX. University XXXX XXXX, XXXX XXXX, XX/XX/XXXX. Thre inquiries not authorized. Total inquiries not authorized are 8. These were not explained to me and I had not been informed these would be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: IL

Complaint narrative:
These inquiries were not authorized by me & I have explained that they should be removed from my credit report but are still being reported for the following XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , & XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft and it seems that this will be an ever ending story. The account XXXX XXXX XXXX was opened fraudulently not by me. I disputed this account on with all 3 bureaus and the account was deleted from XXXX but remained on TransUnion and XXXX. I submitted a police report for these fraudulent account. This has taken toll on my lifestyle and causing a negative impact on my credit file.

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 2019-03-07 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: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Diversified Consultants ( Debt Collector ) keeps calling after they have been told to " Do Not Call Anymore '', but they continued to repeatedly calling my residence home telephone number and my cellphone number several times after being told to NOT CALL anymore. 
Here are some of the dates and times of the calls : XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/2019 ( XXXX ) XXXX XXXX XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX & XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXX XX/XX/XXXX XX/XX/2019 ( XXXX ) XXXXXX/XX/XXXX &XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I canceled my membership with credit check total when they merged with Experian. And they are constantly charging my account for the amount of XXXX XX/XX/XXXX, also XX/XX/2019. Also XX/XX/2019. One was reversed and refunded to my account. I called several times and they still wont reverse my charges. I was on hold for hours and transferred several time to receive no help.

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 2019-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: WI

Complaint narrative:
This is a continuation of our former complaint XXXX about PHH Mortgage Co. 
What they said they would do in their letter received on XX/XX/XXXX, is unacceptable. They refused to take out the {$400.00} they were supposed to take out on XX/XX/XXXX and each month thereafter. They told us to set up our own schedule with our bank. 
This was NOT what they said they would do via a phone call with XXXX at phone number XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX our time. For that phone call, he had been on hold two different times at about XXXX minutes each time. 
XXXX and XXXX resolved our complaint which we had registered the evening before with the Consumer Financial Protection Bureau. The final result was acceptable to both parties - PHH was to take out a {$400.00} mortgage payment on XX/XX/XXXX to be applied to the XX/XX/XXXX payment and take out another payment on XX/XX/XXXX, our regularly scheduled time. They would apply the {$400.00} as though it had been paid on XX/XX/XXXX, with no added fees or interest. and all would be as it should have been had they taken out the XX/XX/XXXX payment on time. PHH should just do what it says it will do when we talk to them. They seem to say one thing and then send a letter with the opposite information. 
I had talked to someone on XX/XX/XXXX about this very issue and they had promised they would take out the {$400.00} payment on XX/XX/XXXX, just like XXXX had always done. Then instead of using our {$1000.00} extra payment for interest via a check - they said we'd paid ahead for our monthly payments, thereby accruing more interest for themselves. 
In their letter of XX/XX/XXXX, they gave us a name of someone to whom we could complain ; XXXX XXXX, XXXX XXXX XXXX. Her voice mail says she'll respond in 2 - 3 days. XXXX XXXX - their manager could also be reached at XXXX XXXX XXXX, ext XXXX. That number doesn't work. XXXX who made the original agreement has not returned our phone call made on XX/XX/XXXX when we discovered that only one {$400.00} mortgage payment had been taken from our bank account. XXXX then did manage to reach XXXX in the ombudsperson 's office and she said she'd work with XXXX and XXXX to resolve it. She said she won't guarantee that they can go back and change the principal payment we made in XXXX. We would have just paid the mortgage ourselves but we believed them and didn't want to have two additional payments taken out! Please just do as XXXX promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 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: Summit Financial Corp.
State: TX

Complaint narrative:
Summit Financial is continuously reporting I owe $ XXXX in debt for a car I never had in my possession at all. XXXX XXXX is the owner of this car he has used my name in Texas I even have a Texas address listed on my credit report I have been trying for over 5 years to get this debt erased and I am sure the statue of limitation has passed please help me get this debt removed. I have disputed this debt yet every month it keeps reporting as delinquent hurting my credit score. I am a XXXX XXXX at this point and I just want all of the harassment and embarrassment from this debt collector to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2019 I was charged for two transactions that I did not make and contacted the credit card company who contacted me on XX/XX/2019 that the investigation was complete and found to be in my favor. 
The two amounts were {$52.00} and {$34.00} and were to be taken off of my account. 
Well they were but then they were put right back on again as two purchases for the same amount so when I called customer service they told me there was a glitch in the system and the credit did go through but then it went though as another purchase. I called the fraud team there and was told in 24 -48 hours it would be credited again but instead of crediting me onXX/XX/2019 they put it through again as two purchases for the same amounts SO I called the fraud number again and was given absolutely no help but to start with customer service who just put me right back to the fraud team again. This has now been going on for too long and instead of the bank trying to help they just keep messing with my account and I want it taken care of. This bank is grossly incompetent and I am very upset as I am getting nowhere. 
So instead of only owing {$140.00} they now have my balance up to {$320.00} I have made no purchases since the fraudulent charge showed up so anything on my account showing as a purchase is the bank adding back the fraudulent charges to my account. If needed the fraud department phone number is XXXX and my ticket number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: KS

Complaint narrative:
I fired XXXX XXXX XXXX for failing to live up to their contract. They sent me to collections which I refuse to pay.

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 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My TD Bank debit card was compromised. All of the charges occurred on consecutive days at XXXX XXXX XXXX in XXXX, Florida. Let 's just preface this with I live in XXXX XXXX, FL, approximately 30 miles away and I do not ever go to XXXX. The first unauthorized charge occurred on XX/XX/XXXX in the amount of {$100.00} ; a second again on XX/XX/XXXX in the amount {$99.00} ; the third charge on XX/XX/XXXX in the amount of {$99.00} ; the fourth charge on XX/XX/XXXX in the amount of {$99.00} ; the fifth charge on XX/XX/XXXX for XXXX. At no time during these unauthorized charges did TD Bank contact me about suspicious activity. My husband and I discovered the unauthorized charges on or about XX/XX/XXXX and I immediately contacted TD Bank to shut down my card. The first charge had already cleared my account ; however the other 4 were still pending and I had wait until they actually cleared. We disputed the first charge and called the next day to dispute the 4 additional charges. I waited 3 days and called TD again to ask about my provisional credit. I was informed that the person who took my report determined that the charges were in my geographical area and not fraud. When I informed them that I drive a XXXX   XXXX that takes {$35.00} in gas every two weeks and that I confirmed with my local branch that I was in XXXX XXXX using the card with the chip at a XXXX at XXXXXXXX XXXX at 9 minutes later someone was pumping gas in XXXX which is 30 minutes away with my card and NO chip, they resubmitted the dispute. I received a provisional credit. On XX/XX/XXXX, TD Bank sent me a letter and told me that they were reversing the first credit of {$100.00} because they didn't think it was fraud, but they were allowing the credit for the 4 additional charges. When I complained, they told me to go to XXXX and file a police report for the {$100.00}. 

I wanted my {$100.00} credit back. This is so obviously fraudulent charges that I'm convinced TD Bank is just be spiteful and arbitrary. I am so disgusted that I have redirected all new business/personal accounts that I used to refer to TD to another bank. In my line of work, I have referred no less than 50 -75 accounts to TD Bank in the past 3 years. To be treated in this fashion is inexcusable. I want my {$100.00} and an apology for inferring that I would lie about an unauthorized charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have been disputing Convergent Outsourcing for several years. I never received any notice of the debt or validation that I owe the debt. XXXX removed the debt by XXXX and another debt collector. Convergent appeared and I immediately took action. The issue is with XXXX and XXXX. No matter what I do Convergent will not work to validate a debt I do not owe. I even called XXXX and the gentleman I spoke with said there was nothing they can do. My credit is flawless. I do not have any late payments etc. I owe no one anything! Convergent Outsourcing claims I owe {$530.00}. I was going to pay it just to get them off my back but I do not feel its right to pay someone for something that is not yours.

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 2019-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/19, I called Wells Fargo because I noticed my credit card had been closed without any notice to me. This card not only had a XXXX available limit but was also my longest held card so it is an important part of my credit score. My call was escalated twice as employees noticed that it was odd that Wells Fargo hadn't contacted me previous to closing the account. On XX/XX/19, I received a call back from Wells Fargo and they told me that they can not reopen the account. I am concerned about this practice of closing credit accounts without notifying the card holder. I carry the card in my wallet and could have used it at any time to avoid closure if I knew that was going to happen. In fact, I was told that the normal practice is to send a letter about 6 months prior to closure and only require that the customer contact Wells Fargo to keep the account open. I was not afforded that opportunity and now my credit will take a significant hit leading to other consequences.

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 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
Information was send to XXXX XXXX credit bureau and posted to my credit report on XX/XX/19 in the amount of {$1700.00} its account is not mine .I have been with the same phone company for the past 10 years with the same phone number ( XXXX XXXX ). I send letter to XXXX, the collection agency and to the credit bureau asking validation and the removal of the item on my credit report, but the only action by XXXX was to send monthly invoices

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 2019-03-07 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
A student loan with Navient was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for XXXX  months, until XX/XX/XXXX. However, Navient closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To date I have had correspondence and phone conversations with Wells Fargo regarding complaint number XXXX. 
The Wells Fargo response to How did the Bank allow the unauthorized withdrawal? was that their records indicate that I had authorized to have funds automatically transferred between accounts. I had not authorized funds to be automatically transferred between accounts. I requested a copy of the authorization if there was one. To date I have not received a copy. 
The response to How will Wells Fargo prevent this from happening again? was to call the Financial Adviser and request him not to transfer funds between accounts in the future. The Financial Adviser did not have authorization in the first place. 
In the meantime Wells Fargo had sent a form 1099 indicating income related to the unauthorized transaction. There was no income and I have requested a copy of the correction from Wells Fargo. To date I have not received a copy of the correction.

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