vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I CAN NOT get into my Equifax account in order to UN freeze it for 24 hours. I am trying to purchase an automobile as I was just in a bad accident and my car was totaled. I have tried numerous times an many different phone numbers to get this done. Given them the same information repeatedly that was okay in XX/XX/2018. The dealer will hold the car until tomorrow morning - XX/XX/2018. Other similar cars are {$4000.00} MORE. 
I need this problem fixed NOW!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I flooded in Hurricane Harvey XX/XX/XXXX, I decided to rebuild and act as general contractor. My home is complete and we are moved in. I used all of my savings to rebuild. My Mortgage Company Loan Care is hold an insurance check of {$57000.00}. It has been more than 2 months ( Since XX/XX/XXXX ) and I don't have any insurance check in my hands. I am not past due 3 months past due and I fear that Loan Care will foreclose on me soon. My home passed final inspection XX/XX/XXXX with a 100 % complete and Loancare does not release funds. At this moment they don't know when Corporate Loancare will release funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have XXXX hard inquiries on my XXXX report and 6 hard inquiries exqifax report witch I affecting my credit score I have tried for a long time now to try to correct it but it was only overlooked properly. I have contacted the reporting agencies/ company/ banks in regards to the inquiries that Im not aware about I have also submitted police report and they refused to help me. I am not aware of the reporting inquiries but I am requesting that it gets removed from all three credit bureaus I did not authorize any use of my information

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 2018-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: CO

Complaint narrative:
I Co Signed a car for my ex girlfriend. We had a huge hail storm In Colorado and did about 6000 dollars worth of damage to her car. The insurance company issued a check to her dad and not the lien holder and her dad. She never had insurance herself. They pocketed the 6000 dollars from hail. And claimed the car as totaled. There was no reports of another accident or anything that they claimed to there insurance. Which sent them another check for half car being totaled out. So it left a balance of 7000 due to her and her dad not having gap insurance from a false accident report in the first place. So now the debt collection agency is saying I owe the rest of the money and is ruining my life and credit score by adding missed payments I should not be responsible for. If there is anything yall can do to help me please let me know. I dont what to do anymore. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I found out there were authorized charges on my credit card. I called the bank and they said they would investigate. On XX/XX/XXXX, they sent me letter to conclude I would not be responsible for the charges ( {$480.00} ) However on XX/XX/XXXX they secretly charged the same amount back to my closed credit card account and direct debited from my XXXX checking account. When I called on XX/XX/XXXX to complain about it, a lady told me they would send me the check or credit back in about 2 weeks ( which was a lie ) Today XX/XX/XXXX, I called them again, they kept transferred me back from one department to another for 5 times for 93 minutes without solving the problem. When I asked to speak with someone in highest position, each one told me she was the account manager. I asked the lady how they could close my credit card account in XX/XX/XXXX and reopened secretly and charged me back on XX/XX/XXXX. Her answer was they have right to do so anytime they want. I asked her why they did not charge on my new credit card account so that at least I was notified. I even further asked her what about if someone has a tight balance in the checking account and suddenly they took away {$5000.00} from checking and what if he/she can't make the mortgage, car payment ... .Her answer was nothing she can 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 monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Was contacted XX/XX/XXXX about a debt that was from a Payday loan from XX/XX/XXXX. I have never used a Payday loan, they contacted me and told me it was reported on my credit, checked my credit on XXXX XXXX and it was on there, said I owed {$1300.00}, but they would settle for {$540.00} or if I didn't they would presue this even more I hung up, and started researching this company and XXXX XXXX   the payday loan company they say I used, it is a scam, and now my credit has dropped and they won't quit calling and harrassing me. My husband and I are building a house and this has really messed my credit up and it is not my debt and I won't it taking off my credit and I want them to stop calling me, please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: On-Site Manager, Inc.
State: TX

Complaint narrative:
I applied for an apartment at XXXX XXXX on XX/XX/2018 and I was denied the apartment based on the information given to them by RealPage.com AKA Leasingdesk.com. They reported to the apartments that I had a judgement for {$1100.00} for rent and that I owed an additional {$490.00} for unpaid rent. I paid the rent that my deposit did not cover to XXXX but they are still showing the judgement is owed of {$1100.00} and that I still owe XXXX {$490.00}. I asked about the timeframe of when this erroneous information would be fixed they gave me not ETA and said that it could take an uncertain amount of time to get my rental history corrected. My case number for this dispute with them is XXXX and I have spoke to several agents that will not give me a time when this information will be corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: Seterus, Inc.
State: OH

Complaint narrative:
The following number, XXXX started calling me on Tuesday, XX/XX/2018. They have called me multiple times, but will not leave a message.

I finally called them back yesterday, XX/XX/2018, and asked them why they were calling me. They immediately asked for my Social Security Number, which I did NOT give them. They could not answer as to why they were calling me repeatedly. I asked them to be be removed from their call list.

They called again today, XX/XX/XXXX, while I was in a meeting. I called them back again, and recorded the conversation. I asked once again to be removed from their call list, and notified them that they were also being recorded. They told me that was against their policy, and that i could not record them. I replied that i was located in Ohio, and was allowed to record them, especially since they were also recording me.

The lady said she would have my number removed, and yet they still tried to call me again later in the afternoon.

I looked up the number, and it appears to be Seterus Customer Service. I have never heard of this company, and do not have any idea as to why they are calling me. 

I want the calls to stop immediately, or i will be taking legal action against them for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Today XX/XX/2018 I recieved a phone call from a man named XXXX XXXX. He said he was from XXXX XXXX XXXX XXXX. He said that before he could speak to me about the debt he had to verify my phone number and address. He stated he was attempting to sue me for a debt I owed XXXX XXXX. I said I had already been paying on that account and had just paid it off. He said I was lying and asked me for the reciept. I told him I didnt have the receipt on me that i was in the car and it had been over a year ago when I paid it off. He called me a lair and an ignorant XXXX trash XXXX. He also said he was going to have me arrested for not paying him the amount owed. I asked for his address and professional license number and wouldnt give me either on and said i was XXXX XXXX and not to call his office again. I called wells fargo and they sais they have no record of thw account.

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 2018-07-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have XXXX hard inquiries on my XXXX report and 6 hard inquiries XXXX report witch I affecting my credit score I have tried for a long time now to try to correct it but it was only overlooked properly. I have contacted the reporting agencies/ company/ banks in regards to the inquiries that Im not aware about I have also submitted police report and they refused to help me. I am not aware of the reporting inquiries but I am requesting that it gets removed from all three credit bureaus I did not authorize any use of my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
there is a bankruptcy report that being report by a third and is not the court on or about XX/XX/2018 to ask them to VI fly on what date did they report this to the credit bureau the court response back address the issues state that under the bankruptcy court do not report to any credit bureau agency. and this Letter was date on or about XX/XX/2018., the rule state pursuant 11.usc.107 ( a ) and that section state the court shall not disclose information specifically protected by the court under this title. and Transunion never to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
there is a bankruptcy report that being report by a third and is not the court on or about XX/XX/2018 to ask them to VI fly on what date did they report this to the credit bureau the court response back address the issues state that under the bankruptcy court do not report to any credit bureau agency. and this Letter was date on or about XX/XX/2018., the rule state pursuant 11.usc.107 ( a ) and that section state the court shall not disclose information specifically protected by the court under this title. and XXXX   never to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I CAN NOT get into my XXXX account in order to UN freeze it for 24 hours. I am trying to purchase an automobile as I was just in a bad accident and my car was totaled. I have tried numerous times an many different phone numbers to get this done. Given them the same information repeatedly that was okay in XX/XX/2018. The dealer will hold the car until tomorrow morning - XX/XX/2018. Other similar cars are {$4000.00} MORE. 
I need this problem fixed NOW!!!!!

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 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
At the beginning of year 2015, my city taxes were lowered due to reassessing the property with the county. This was my second time in doing this over several years, and was awarded a decrease in taxes both times, lowering the property value by half of what it was. This information was forwarded to Seterus in order to keep them informed, that my escrow should be lowered, due to reduced property taxes. Instead they increased my escrow account, for which I refused to pay, after trying to reach them by phone to discuss this matter, their customer service line is not a customer service line, but a collection agency, and no one would direct me to an individual whom I could speak to about my issue. I continued to make my on time monthly payments, only to have them separate the apparent prior months shortage causing the account to go into default. This resulted over the next several years late fees along with credit issues for which I challenged and won, as the credit agencies researched my account and agreed that I was up to date. I asked on several occasions a payment analysis from Seterus, which they sent me, unfortunately the readout was to confusing to understand, as I simply wanted to see a spreadsheet from them showing my payments to them, so I could compare to my monthly payment history, in order to verify myself. They refused to follow up with me, and since there is no one to speak to, all inquiries are sent to their website for review, and then they reply in a letter, not giving you an opportunity to challenge them. This is very frustrating, as they keep adding late fees to my account, that is up to date, and since I can not contact anyone from the company this will continue. 

Please advise so that this company can be exposed for very poor customer 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 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
On XX/XX/2017 XXXX and Property service filled a default judgment. An then went back on XX/XX/2017 and filled a motion to dismiss any money claims in the unlawful detainer. XXXX XXXX   service went back a couple months later and reported a debt being owed in the amount of $ 3000+ plus dollars To National credit systems who's now harassing me about charges that were dismissed. I do have a copy of the letter from the courts where the motion was filled to dismiss all monies owed if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: IL

Complaint narrative:
I was alerted by XXXX about a collection account placed on my credit report on XX/XX/XXXX ; again on XX/XX/XXXX ; and a third time on XX/XX/XXXX by Bull City Financial. I contacted Bull City Financial in XX/XX/XXXX and XX/XX/XXXX and asked them to search me by social security number, name and date of birth. Each time they said they did not have an account connected to my information. Bull City was able to find the medical account related to my credit report but claimed there was nothing they could do to remove it from my account. Bull City was also unwilling to provide me with a written document for me to provide to my mortgage company stating the debt on my credit report was in error which later prevented me from purchasing a home.

In XX/XX/XXXX, I found the Bull City Financial collection account still on my credit report. I called XXXX XXXX XXXX   in North Carolina and spoke to a manager who said I " do not match the demographic information or date of birth provided to Bull City Financial so I have no idea why they would be targeting you. '' She said she would call them tomorrow as they were about to leave the office.

I called Bull City Financial on XX/XX/XXXX at XXXX CST and again at XXXX  CST, I explained my conversation with XXXX XXXX and both representatives said there was nothing they could do and I would need to contest it with the credit agencies. I again asked for a letter simply stating they had no file attached to my identity for me to provide to my mortgager as we're again attempting to obtain a mortgage in Washington and was told their agency was unable to help me.

I later contacted XXXX   to handle the matter further. The XXXX  Fraud Specialist was able to resolve the issue within a matter of minutes based on the fact I was a XXXX XXXX in XXXX, WA at the time medical services were rendered in XX/XX/XXXX. The specialist was also able to determine the other person had the same first and last name as me but a different middle name and date of birth.

Bull City Financial 's errors and lack of professionalism cost me the ability to purchase a home once in XX/XX/XXXX and almost a second time in XX/XX/XXXX. Bull City Financial 's actions also negatively effected my credit report and caused unneeded emotional stress, as well as hours of lost time attempting to resolve the issue when I had a clear residential and employment history on the west coast of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Was contacted XX/XX/XXXX about a debt that was from a Payday loan from XX/XX/XXXX. I have never used a Payday loan, they contacted me and told me it was reported on my credit, checked my credit on XXXX XXXX and it was on there, said I owed {$1300.00}, but they would settle for {$540.00} or if I didn't they would presue this even more I hung up, and started researching this company and cash net   the payday loan company they say I used, it is a scam, and now my credit has dropped and they won't quit calling and harrassing me. My husband and I are building a house and this has really messed my credit up and it is not my debt and I won't it taking off my credit and I want them to stop calling me, please help!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Blackwater Capital Group LLC.
State: CA

Complaint narrative:
I took a payday loan at XXXX, due to financial hardship I was not able to pay them and passed on my debt to a credit collection agency. This complaint is regarding BLACK WATER CAPITAL GROUP, at first they left a voicemail saying that they were from an Attorneys office and that there is a lawsuit filed against me, And the same message my husband received from them saying theres a lawsuit being filed, they contacted my husband as well, when I called the number they told me to call it was a lady named XXXX XXXX that answered the phone, not stating the company name first, and already discussed to me that they are a credit collector and that my {$400.00} debt already had charges and I had to pay {$900.00}, they asked for my debit card no. And they said I had to pay the full amount, it was only to my realization because everything happened too fast and the scare that Im going to be sued that I agreed paying, but I dont think it is right for them to impose that high of an interest since Im already struggling and thats why I havent paid the original loan in the first place. They kept calling my husband, they would use different numbers till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear CFPB, I would like to cancel my American Express Platinum card. American Express Platinum will not allow me to cancel without taking my {$550.00} annual fee. I was charged this less than 45 days ago, they won't even give me a XXXX XXXX partial credit for it. I wasn't able to call in earlier as I just saw the statement that I am paying for tomorrow. I would like the CFPB to help so I can get my {$550.00} back or at least prorate it. They already did this to me in 2017 to keep my on board one year, they are trying to do this again and I am not happy.

Company response to consumer: Closed with monetary relief