vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  charged off my account to XXXX XXXX XXXX per my credit report. They have not contacted me AT ALL via mail or phone call regarding this matter. Now suddenly they are calling my employer, and worse than that they are calling my boss 's direct work number!!! They have called him 4 times now just today - they tell him they need to speak to me regarding a personal credit matter - and on another call to him they told him it is regarding a collection for debt owed!!! My boss has transferred them to my direct line every time - and i don't answer because i am on the clock - so i let it go to my voicemail box - but they don't even leave a voicemail for me on my voicemail! not once have they left me a voicemail! now my boss has called me into his office and is telling me these phone calls need to stop - they are completely harassing me and they are stating details to my boss that they should not be - and they have never even contacted me directly!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Charge with non requested loan and ask to pay interest on the loan. Will not identify who got the money.

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 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: MN

Complaint narrative:
Thursday XX/XX/XXXX contacted county clerk becauae it is incorrect information and shouldn't of appeared on background check

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This debt was paid in full back in XXXX of 2017 - settled for {$250.00}. please remove from my credit as it is negatively impacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
My FICO score about 790, but they reported only XXXX,. XXXX use that reason to deny my service.

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 2018-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
Borrowed {$900.00} company makes remote checks and has taken almost {$2000.00} alraedey from me and still shows I owe {$1300.00}!!! 
If I make a payment they they make a new contract for remaining amount and so more interest Im pretty sure this is illegal as I just got a settlement check from XXXX case and this company seems the same I can not stop the remote checks according to XXXX  unless I close my bank acct and I donr se why I should do that Company now appears to operate off shore in XXXX XXXX How can thay charge an interest rate of 842 % and make a new contract every time I make a payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
On XXXX my wife totaled her car. My insurance first tried contacting Ally to begin the settlement on XXXX. My wife called and made a payment in XXXX, just hoping to keep everything in good standing. Whoever she spoke with at Ally, they said there should be no problems in the future. After no response, and several calls to Ally, XXXX again submitted the entire break down and total loss payment. After over a month of Ally doing nothing, it took myself, a member from XXXX and XXXX from the total loss department of Ally. Even after this, they still dragged everything out and only until XXXX did they finally accept the check from my insurance, who immediately overnight shipped it to them. 

Now the problem is that they are saying I still owe {$2200.00}. They are also posting late payments on my credit. I have been having to call them several times a week to get anything done, and it's now been over a month and their supervisor XXXX in the total loss department will not even call me back. 
When I spoke with XXXX in the total loss department back on XXXX she said my pay off was {$1500.00}. So as you can see there are multiple discrepancies and Ally is in no way making any attempt to resolve this.

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 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have contacted this company several times concerning validation of this debt and they only send me outlines of some debt. I sent a debt validation letter and never got the response I am looking for. This company has hurt my credit worthiness with reporting inaccurate information. I have tried several times to fix the situation but to no avail. I am hoping that you guys can help me get this matter taken care of ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital one credit granting entity issued a credit card from application using others information and thru credit reporting, granting credit, and responding to investigative agencies and entities have violated my rights as a consumer, committed mail fraud by responding to an investigation that they saw no fraud, which is a false statement submitted and transmitted through the us mail. 
From information from another attempted fraud application from XXXX XXXX, it was determined that the application was submitted using social security number XXXX, Im informed by XXXX that this is factual, as well as the fraudster used a previous address and name that I havent used since XX/XX/XXXX due to identity thief. 
On XX/XX/XXXX capital one sent and result of a fraud investigation stating that they saw no fraud, but sent it to my actual address, which is again using unauthorized my credit report without permission to skip trace, which the delivery of this document constitutes mail fraud because its false information applied to me personally. 

Their case investigation is XXXX, its false. In requesting the investigation I outlined my actual social security number which isnt the one that they issued the card to and requested deletion of the item, their response is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
The creditor gave me a vehicle loan the car was in a accident it was totaled out they wrote it off as profit loss write off showing a balance of $ 16k+ bad debt on my credit report. However my gap insurance covered the vehicles loss value and the loan was paid in full by XXXX XXXX XXXX XXXX. XXXX  bank will not remove it from my reports help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Was completing a purchase on the XXXX XXXX website and it stated I was pre-approved for a credit card and could take 20 % off my purchase today. I clicked on the link which directed me to XXXX XXXX to complete a short application. I was approved for the XXXX XXXX VISA credit card and it stated to click the link to return to XXXX XXXX to complete the purchase and receive the offered discount for getting the card. The link did not work and provided an error message. I called XXXX who said they could not help or provide me the account number to complete the purchase and receive the discount that was offered that day for opening a card. They advised I would have to wait for the physical card to arrive in the mail then make the purchase and call them to get the 20 % discount. They sent me the card in the mail and I was was about to make the purchase and find out the card was shut down. I would have never opened the account if they had not offered the discount for applying during the checkout from XXXX XXXX and saying I was pre approved and it would all happen instantaneously. Now I have a hard pull on my credit bureau and also no discount for my purchase or a open credit card. They lured me with the pre approval and discount and did not follow through. I want the hard pull removed as they lured me to apply under false pretense.They are in breach of the initial contract which allowed for purchase and discount during checkout on a pre approved card that I was approved for and the link to complete the purchase did not work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
On XXXX XXXX 2019 a rep from Messerli & Kramer PA stop at my parents address and talked to my sister and asked if lived there. She informed them that I do not currently live at the address. Then was asked if I would be there any time soon, she told them she was unsure. The rep then handed her an open letter which was a communication from a debt collector. Giving the name of the original guarantor, name of the collection agency, notice that I was being sued and my name on it. Even after my sister told him several times that they where at the wrong place and should give this directly to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I tried several times to purchase a sofa from XXXX XXXX but could not get customer service to handle my problems properly. When I did successfully purchase a sofa it came with the wrong fabric and flawed pillows. I returned it. A representative gave me a discount towards another sofa but I still had problem with getting accurate information from customer service and inadvertently lost my discount and had to pay an addition {$500.00} for my purchase.

They kept giving me just a little information at a time. I thought they knew how things worked and would provide me accurate information to complete my order. For the same sofa I was billed for 22 yards of fabric then 29 yards which came to more than {$300.00} additional dollars. Each time I called to discuss my purchased the solution was cancel the order, but I lost my 30 % discount had to pay the shipping cost. They would not honor it on my new order which was the solution given to address the problem I was having. If they had let me know the most of the fabric would cost over {$1000.00} I would have kept the order which I got the same sofa with the same fabric less 30 % discount and discount on shipping cost. Instead of paying {$2400.00} I am charged {$3100.00}. I want my discounts returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 20 plus inquiries on my credit report. In which I didn't give anyone permission to pull my credit report. I need XXXX, XXXX, and Transunion to invesitgate with each company. To make sure they have a sign document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report.

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 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. I have over 20 plus inquiries on my credit report. In which I didn't give anyone permission to pull my credit report. I need XXXX, Experian, and XXXX  to invesitgate with each company. To make sure they have a sign document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report.

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 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I changed my email address for my Capital One credit card account. I was about to lose access to the email address I had been using. On XX/XX/XXXX I was advised that Capital One was sending account correspondence to the old email address. I reported this to Capital One. 

On XX/XX/XXXX Capital One sent a required privacy notice to that incorrect email address. I contacted them again. They asked me to do no end of things but can't say that any of them have rectified the problem. They don't seem to care that they're sending confidential information to an email address that is no longer mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: CA

Complaint narrative:
I've never had XXXX as a service provider. I've been going in circles trying to fight this charge on my credit report but have been unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was surprise to realize that I have 1 " high Inquiry '' when I checked my XXXX XXXX account, this happened on XX/XX/2018 Apparently it was a Chase Bank U.S.A inquiry for a credit card, which was denied, and obviously my concern is that this can affect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX jacked up monthly payment amount after purchase of my original loan from XXXX   XXXX XXXX. The mortgage was on auto pay and I was unaware of short payment. They reported as missing or 30-days late. Despite the phone agent assurance and despite the immediate payment to cover the shortage when I was alerted, my credit score was damaged with derogatory and FALSE reporting as '30-days late '. Despite multiple attempts, XXXX  refused to remove this negative item for over a year. This company 's unfair business practice is well documented on social media. I am reporting this again to show the pattern of their business practice as I now know I was not alone.

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 2018-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have a collections account on my credit report that doesn't belong to me. I live in my mothers house and we have had XXXX XXXX XXXX basic cable for 22 years so I don't understand how all of a sudden I have a XXXX that I owe.

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 2018-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I visited XXXX XXXX, XXXX XXXX on XX/XX/XXXX-XX/XX/2018. On XX/XX/2018 my account info was hacked/stolen. I wasn't aware until my return on XX/XX/XXXX that my PNC account was compromised. I contacted the bank, that day, filed a claim, and requested a new card. I contacted PNC again on XX/XX/2018, because 1. I have heard nothing else about my claim 2. I have not received my new card. 

It was then that I was advised by the claim specialist that my file was closed because it has been determined that I was responsible for the charges. When I asked the person how that determination was made, I was advised that because I purchased a plane ticket to XXXX XXXX prior to this incident, and the card was present, I was responsible. I advised the rep that I travel all of the time, this has never happened, and as they can see these transactions ( 2 separate ) are not normal for me, and that the 2 transactions, same day, same location for {$26.00} and then {$870.00} should have been a red flag. I offered to provide documentation from other card providers who sent a tex/email then declined charges once unable to verify. The end resolution was the rep advising me to open a new claim-and wait another 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I used to XXXX service through Wells Fargo to transfer {$180.00} for tickets and was scammed. I contacted Wells Fargo and they said there is nothing they could do. Im so disappointed, because I wouldnt even have used this service if I knew my own bank wouldnt back me up. This happened today XX/XX/2018

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 2018-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Re : Letter of Dispute and Error Notice Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I received a Notice of Intent to Accelerate : I am disputing this notice in its entirety. Some of the notice is in XXXX which dont understand XXXX, which erroneously says we are in default for the months XXXX and XX/XX/XXXX. We are also mortgage evaluations sent while on disaster programs. 

Please be aware, that on about XX/XX/XXXX, I contacted Bank of America regarding the Federal Disaster Relief Program Due to Fires in XXXX  CA. The Representative verified my home was located in the Designated Area and made me aware we qualified for a 3 month Payment Holiday. I was informed that I could skip 3 payments and the 3 payments would be placed on the back of the Loan. with no penalties or Late Charges. Please listen to the tape of the original recorded phone conversation to your Customer Service or the subsequent calls to your office. I relied on statements and agreement made with an official Bank of America Representative. Now I am being told that we are 2 payments behind, which would create a hardship and not possible. I was current and have made every payment since resuming payments and actually ahead one month when I make payment this month. ( XX/XX/XXXX ) I lived up to my end of the agreement. Please correct this error and keep your promise. 

I am requesting a correction so you dont erroneously foreclose on us again, as you did in XXXX. BOA still took two years to issue us a Modification ( XXXX ) where we still have not been made whole from that grave error by BOA. BOA had to return funds to the Trustee Sale buyer who was trying to evict us during the holidays ( XXXX ). BOA finally issued a formal rescission in our favor Thank God! Please send : 1. Loan History since inception of Loan. 
2. Transcripts of the Phone conversation from XXXX XXXX XXXX on around XX/XX/XXXX to present. 
Re : Federal Disaster Program and payment XXXX. 
3. Letter regarding Expiration of fire disaster program Respectfully, 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 non-monetary relief