vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SQUARETWO FINANCIAL CORPORATION
State: SC

Complaint narrative:
On  XXXX / XXXX / XXXX , I received a summons fro m my county  from CACH , LLC that was filed against me to repay a loan for the amount of {$140000.00} that was received from   XXXX   XXXX   XXXX   , Inc . The summons identified me as the president of a business. My identity was used, without my knowledge or permission, to obtain this loan through an unidentified third-party broker.    XXXX   XXXX   XXXX   XXXX    and CACH , LLC neglected to verify my identity by any reasonable means or confirm the validity of documentation submitted in my name. On  XXXX / XXXX / XXXX , the aforementioned loan company disbursed the proceeds from the loan, by wire, into a  XXXX   XXXX  business checking account that was also opened in my name without my knowledge or permission. Within 3 days, without imposing reasonable security restrictions,    XXXX   XXXX   XXXX    team member  ( s  ) allowed two parties to withdraw more than {$98000.00} of the proceeds from the loan that I was held liable for.

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 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MD

Complaint narrative:
I am my sisters Power of Attorney. The end of 2016 she took out a loan from First Virginia. Early XXXX she became XXXX XXXX  and I took over her finances. a few weeks ago I went to a First Virginia location in XXXX XXXX to pay off the loan and they referred me to IDR in Arizona. After I contacted them & was given the " run around '', First Virginia withdrew money from my sisters account, which I believe is wrong. I do n't understand why they refuse to let me pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
As I stated in my previous complaint, I have no business with this company. I owe and pay  XXXX  monthly and will continue to do so until this debt is paid. I will not  pay Transworld Systems INC. an ything neither will I pay  XXXX  anything more than I owe in my contract with them. The information sent to me via this site is only information this company obtained from  XXXX  not validation I owe this company anything. There is no signed contract between this company and I so I ask that they not contact me any further if they do I 'd like them charged for harrasment of a creditor for a debt that 's being paid. I will provide the m one  more time this information of my business with  XXXX  and they need to leave me alone. It is not legal to harass consumers for paid debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: IN

Complaint narrative:
( This happened to me a couple of years ago w ith Citibank Best Buy Visa w hen I lived in  XXXX  and I wound up paying more than I should have to neutralize the matter. ) I have a high balance on this card. It is a  Visa card requiring an annual fee. There is never any notification the month before that the fee is due. Now, around  6 months ago, I decided to stop using this card and simply make payments on it  ( 1 ) because of the high balance and ( 2 ) beca use my routine {$40.00} payments are reduced to 50 % toward the balance anyway. So, for the past 6 months or so, I have not made any purchases and my {$40.00} payments have been consistent. That would mean I have paid approximately {$240.00} and about {$120.00} of that balance should have been available. So, why am I being currently billed 'as of   XX/XX/XXXX ' on an account with a {$1300.00} credit limit {$1400.00}, and why is my minimum payment not {$40.00} but {$190.00} which is due XX/XX/XXXX ?   <P/> I would appreciate CFPB auditing my account to figure this  one out. As I mentioned in opening, this has happened to me before with this credit cardholder service. I have attempted to call Citibank Visa to discuss this on a phone that had very little energy but I had to. But, before I lost the call, the CSR  could not find any thing that suggested I was in arrears except my annual fee. If that is the case, the annual fee balance owing had to be no more than {$10.00}! Quite actually, I should have had enough money available to pay the annual fee. To my knowledge, the annual fee is {$75.00} ; if it has increased, I certainly have not been advised.  <P/> I question " late charges '' on the annual fee. It is " imposed '' and I did not purchase it. Regardless, late charges do n't have to be " {$25.00} late charges ''. Credit card issuers have the option to charge a late fee as minimal as {$1.00}, {$5.00}, {$10.00} and so on. Best Buy  Citibank Visa has consistently charged me {$25.00} late fees. Why? I am not a bad customer of more than 8 years. Furth er, I would like the option to change over to a card that does not require an " annual fee '' with an 8 year credit history.  <P/> In any event, I just moved from  XXXX   XXXX  to  XXXX ,  XXXX . I live in a low-income senior property, and am not in a position to pa y Best Buy Citibank Visa {$190.0 0}. ( While I do not know the rationale, I do believe my finance charges are increased markedly some months and it is a glitch that is ignored. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BB&T CORPORATION
State: MI

Complaint narrative:
I called in   XX/XX/XXXX  to see w hat amount was needed to bring the account current. I was told I needed {$3800.00}. I called back about a week later and paid {$3800.00}. I 've made payments on time since I supposedly brought the account current. Now I 'm being told the account is past due {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I 've been waiting days for the bank to update me about a transaction for funds that were never despensed out of a ATM. All they can say is that they have no estimated time frame for the issue to be fixed. Nor do they have any updates. Sounds like they do n't know what they 're doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Our monthly payment increased from {$860.00} to {$1000.00} even though we have fixed rate mortgage.   We ca n't pay that kind of increase with my dad 's unemployment and my mom 's health problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: Auto Trakk, LLC
State: SC

Complaint narrative:
I have  sent Autotrak several certified letters concerning the false, bogus info they are sending to the 3 credit bureaus. They 're re-aging this account to keep this negative info on my credit file longer which is hurting me mentally, physically and financially. Autotrak h as violated laws under FCRP/FDCPA. If this account is not remove ASAP I will sue them for defamation and financial injury  (   XXXX  vs.  XXXX   XXXX  ) which carries a fine of $  XXXX /per violation.   I never received any type of paperwork  from Autotrak.  I spoke to  XXXX   ( Customer Service ) ext .  XXXX  on  XXXX / XXXX /  XXXX    XXXX    XXXX   he told me the address they had on file was a  XXXX   XXXX , Georgia address and on  XXXX / XXXX /  XXXX    XXXX  I spoke to a  XXXX  ( Customer Service  ) to ld me the same the same thing. I have NEVER lived in Georgia!!! I updated my address with  XXXX .    XXXX  told me the balance was {$12000.00} and the date the contract was sign was  XXXX . After speaking with  XXXX  she told me the balance was {$5900.00} and contract was sign ed  XXXX .She al so told me my last payment was  XXXX .  Autotrak is reporting false info which against the law. This is the reason they not replying to my certified letters!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Yesterday I received a call regarding a payday loan in the amount of {$300.00} that needs to be taken care of. When I tried to make arrangements to pay it, the rep said the balance is now almost {$600.00}, and she was not willing to accept a postdate check for the  XXXX , nor was she willing to accept anything under {$200.00} a month. At the moment I am in a financial bind and can not afford that, but I have every intention of paying it. After no resolution was arranged, the rep said, " Good luck in court. I hope they do n't garnish your wages, '' then hung up. I called b ack a second time and tried to convince them to accept the arrangement again and was told once again, '' Good luck in court, '' and then they hung up. This debt is not on my credit court, so I honestly forgot about it. I am paying on other debt at the moment and have never had a company operate in such an unprofessional and uncaring manner. I would like to resolve the account, but I need better customer service and a better pa yment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: AL

Complaint narrative:
On X/X/2011 I paid off XXXX XXXX XXXX XXXX {$7700.00} for a truck loan and received the title. Upon checking my credit report I discovered XXXX XXXX XXXX XXXX had a remaining balance on my account for the amount of {$560.00} and was coded as a charge off. Please see attached supporting documents that dispute this report as well as a copy of the 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 2017-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: DC

Complaint narrative:
My loan is serviced by the Texas Higher Education Coordinating Board. I have reset my password online multiple times and none of the passwords I have chosen have worked. My account now says that I am locked out. I have tried both customer service numbers, and utilizing the options provided, have been hung up on three times today ( XX/XX/17 ) alone. The option for technical issues does not work at all and refers you to the number which you have already dialed. This issue has persisted for weeks and this is not the first time I have tried to reach the company. I can not access my account at all to make a payment, even though I have tried countless times to reach this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL

Complaint narrative:
I was called by this company and they said there was an insurance fee of {$500.00} to {$750.00} that had to be paid in order for me to get a {$5000.00} loan. They asked for banking info to verify account ( which I have done with other companies, very common ) and the next day they deposited a {$750.00} check into my account ; the bank held the money ) when they called back the next day for me to pay out the {$750.00} I was unable to because the bank had it on hold as possible fraud. So they said that I " ran away '' with their company 's money when in reality, it was all fraud to begin with. The check came back as written from a fraudulent account and now I am negative {$1000.00} with my bank account due to fees and problems they have caused me. I want them to pay the money they cost me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc.
State: CO

Complaint narrative:
A door to door salesman for  XXXX   XXXX  came to our door and signed us up for an account. the account did not have as fast internet as promised and we cancelled within 1 week of signing up. We were told over the phone by  XXXX   XXXX  that no money was due and we were free of our obligation. When I viewed by credit report, I see a charge from  XXXX   XXXX  in collections. I called the debt collection company and they gave me the account number to resolve with  XXXX   XXXX . When I call  XXXX   XXXX  with that account number it comes up as a different person 's account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On or about  XXXX   XXXX    XXXX  , I created a complaint #  XXXX  against  AMERICAN EXPRESS  GOLD DELTA SKYMILES. It was a clear case of UDAAP. This complaint is once again against  AMERICAN EXPRESS GOLD DELTA  SKYMILES for the same account ending in  XXXX .   Now i have the eligible transaction at  XXXX  of {$25.00} few days back. But  AMERICAN EXPRESS  GOLD DELTA SKYMILES is stating that they could n't find out any promotion on my account to award me {$100.00}.   Moreover when i chatted with them - they are stating  6-8  weeks for investigation alone and that too they wo n't notify me regarding the result of investigation.   This is ridiculous.  Amex  is finding way to deceive customers and take away the award money. Attaching chat with customer service and the recent activity from that card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I do believe in early   XXXX  , I do n't have the exact dates, but a payment was made in full to  Capital One  ( and they will have record of i t )  and 3 days later they returned the payment to the bank. No exclamation was provided to me. In those 3 days, I was under the impression my card was paid and paid some bills {$300.00}  ).  Needless to know now I have more to pay on it. Approximately  2  weeks later, another payment was made PAID IN FULL and Capital One decided to sent that payment back to the bank after 10 days. I contacted them and asked why or how could they could just send a already made payment back not once but twice? They gave me the runaround and I did n't get a single answer. And to top it off, they have put financial and late charges onto a bill I have paid twice.     I feel like I was a victim of identity theft, and someone out there took my funds both times. I have never received any monies back fro both payments either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Assent Inc.
State: WV

Complaint narrative:
The following companies have accessed my credit report without my request, consent, or permission. They also have no need to do so as I have never requested credit from them and do not have an account with them. I am a victim of cyber stalking and harassment and have restraining orders to prove it if you need them. I would like the following companies investigated and a written statement from them stating WHY they accessed my credit report, who requested it,  IP addresses if  it was done online, and any email, phone numbers used to do so.  <P/>    XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  , IN  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , SD  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   These companies were not contacted by my and did NOT have my permission or any reason to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My mother had been banking with Wells Fargo for years, so naturally she encouraged me to get a bank account/savings with Wells Fargo, which I did. Shortly after I turned XXXX XXXX XXXX on XXXX XXXX, 2008 I went with my mom to the bank where they advised to get a credit card to build my credit. My mom, a first generation immigrant from XXXX with little to no knowledge in finances, was convinced by the banker that this was the right thing to do for my credit. Not long after I fell back on payments since I did not have a stable job at the time and I was making only the minimum payment. At a certain point the card maxed out due to fees and high rates. At that point, Wells Fargo instead of reaching out to me, the credit card department increased my card limit from {$500.00} to {$1100.00} as a solution when the card was maxed out due to fees not overspending. it created additional financial distress for me when the card should have been closed out or they just have tried to reach an agreement with me. I believe that my mother and I were unfairly targeted because of my youth and her financial inexperience. I tried to contact Wells Fargo numerous times to get a resolution to no avail.

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 2017-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Select Resource Group
State: FL

Complaint narrative:
the company that called me left me a voicemail indicating they will freeze my assets and bank accounts and contact my employer to to collect funds from my paycheck.   The company is called " SRG ''. Called and spoke to a gentlement who asked me if I was  XXXX   XXXX  and to said the last for of my social security account. He then went on to indicate this is reference to a  XXXX   XXXX  account. I said that was  discharged  in my bankruptcy and is no longer on my credit report. I advised him this is the second call I received in a month. He said he just received or was outsourced this account info. I tried to give him my lawyers number and he said no never mind I will transfer to our bankruptcy department.     The voicemail left was threatening. I received a prior call in such manor about this  XXXX   XXXX  account which is closed. I contacted  XXXX   XXXX  personally and they said they do not have anyone outsource to collect any money for my account is closed.     Thank you  XXXX  number that they called me from :  XXXX  I will save the voicemail too

Company response to consumer: Untimely response