vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-25 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: PA

Complaint narrative:
On XX/XX/XXXX I spoke with a paralegal rep by the name of XXXX @ XXXX XXXX XXXX XXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX, XXXX, NJ XXXX Office # ( XXXX ) XXXX Toll Free Fax : ( XXXX ) XXXX or ( XXXX ) XXXX I ask this ( ( XXXX ) ), why in fact I have not received ALL payments receipts nor any kind of notifications from this collection agency sinceXX/XX/XXXX & that the last notification was from Attorney XXXX XXXX which is a copy of the letter to the Courts of canceling/withdraw our court date XX/XX/XXXX @ Mag. Dist No : XXXX, MDJ Name : Honorable XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX tele : ( XXXX ) XXXX .. in which I was being sued from XXXX XXXX XXXX XXXX XXXX the matter of their client : XXXX XXXX XXXX vs. XXXX a/k /a XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom I have trouble with in the past year has been rude and totally disrespectful as to my many complaints to this firm simply hung up on me and I call right back and requested the same and which to receive so with the help of CFPB please.. as to the fact that I am up to date with payment to this collection agency and I have no payment record keeping of my own as proof of all payment from this firm ..keep in mind if the firm follows policy of their own we will not have to trouble one another in the future this is not right as I was told I would property review a bill in the mail with the due date and balance of record from this collection agency .. 
Question : HOW AM I TO KNOW WHAT I HAVE PAID AND HOW MUCH IS OWED IF THIS FIRM DOES NOT GIVE ME PROOF AS PROMISED.. 
IF THEY CAN TAKE MY PAYMENTS ON A MONTHLY BASE THEY NEED TO SEND AND HONOR MY REQUEST ASAP.., AS THIS IS LAW.. AND MY RIGHT.. 
this is in their records and this is my formal request as to I will NOT make anymore payments to this collection agency cause I will move forward and dispute the entire debt collections as to their default on their agreement... 

Docket No : XXXX Case Filed : XX/XX/XXXX XXXXXXXX XXXX XXXX File #, Account # or Docket # ( ( ( XXXX ) ) ) XXXX XXXX XXXX XXXX XXXX : ( ( ( XXXX XXXX XXXX a/k/a XXXX ) )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PR

Complaint narrative:
On XXXX XXXX, request that the following accounts that I mentioned below be incorrectly reported in my credit reports, XXXX XXXX XXXX # XXXX reported as open with loss balance of {$480.00}, XXXX XXXX XXXX # XXXX open collecting a balance in loss be investigated and corrected. of XXXX XXXX balance {$1400.00}, Pr Telephone # XXXX reported open at loss balance of {$520.00} As a result of the investigation made, these incorrect accounts still report my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When the XXXX breach happened, it was recommended to put security freezes on our accounts with the big 3 credit bureaus. Whereas XXXX and XXXX allowed this for free, TransUnion wanted {$10.00}, but they would put a " Security Lock '' on my account for free, so I did that. Upon attempting later to remove that lock, the online TransUnion account that it had me set up, would not allow me to remove it, only to change it to a Freeze for {$10.00}. I called the listed number. It took 4 separate calls to different numbers. Each time, I was put on hold, then had to give all my identification verification information, then was told I needed to be transferred to another department, was transferred, put on hold again, then had to give all my identification verification information again, then was told I had to call a different number. Every time, it seemed I was getting to the same initial department, and transferred to the same second department. All were offshore call centers. On the 4th call, the second department successfully removed the lock. This was a very abusive experience.

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 2018-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
People keep calling saying they are from a law firm and they say they are going to prosecute me for theft by misrepresentation if I dont pay them but they will not provide documents or proof of the claim. They keep threatening to come to my job and serve my boss. They say its for ace cash. I did use ace cash about 4-5 years ago but I payed it in full. I feel this is either a scam or not lawful. Thanks Here is the number that they called from today. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX 2017 {$130.00} XXXX XXXX XXXX XXXX Sent a letter in the mail to my grandmothers address attempting to resolve a debt that DOES NOT BELONG TO ME! Ive been victim of ID Theft and have a similar name as my father and grandfather that Im estranged from. Remove this and the harassing calls ASAP!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: NY

Complaint narrative:
I mailed Experian a signed letter dated XX/XX/17 asking for a review of 3 suspicious items on my credit report. 

They sent me back a letter stating that they believe my letter to them was " suspicious '' and a possible case of identity theft so they will disregard it and deem all future mail correspondence from me as suspicious. They basically made it very clear that they will ignore any contact from me by mail and directed me to submit my disputes by phone or website requests only. 

I do n't think it 's lawful to prevent me from corresponding by mail and limit me to phone and website contact. I prefer to have a written paper record when engaging in business matters. I clearly identified myself to them and presented all pertinent identification data ( DOB, SS #, Address, Account numbers ) so I do n't agree with their determination. 

I responded to them by mail and am awaiting an answer. I also informed them that I filed a complaint with the Consumer Financial Protection Bureau. 

Please Please help 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 2018-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Owl Automotive Group, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, social security ending XXXX, purchased a XXXX   XXXX XXXX, 4 door XXXX with XXXX interior, Vin # XXXX, on XX/XX/XXXX from Owl Automotive Group. The financed it through Owl Auto Finance which is owned by the same man, XXXX XXXX. 

On XX/XX/XXXX, the same vehicle as described above was repossessed by Owl Auto Finance. Approximately a week or two later, I was told that XXXX XXXX, who is manager of Owl Automotive Group and Owl Auto Finance, was jumping up and down bragging while smiling and laughing in the front office in front of customers and staff members saying " ha, ha, I just repossessed my old bosses ex-girlfriend, XXXX XXXX 's car. '' I was also told later that she was telling more people/several customers on different occasions that she repossessed XXXX XXXX 's vehicle! 

I have since later heard this is a third party disclosure for companies that operate in this capacity. I am writing this complaint to you because I do not think this should happen to me or anyone else. I was very embarrassed and this is an extremely private matter. After receiving this complaint, I would please ask that you advise me on actions that I should take and you should take. 

I thank you in advance for your prompt attention in this matter and I look forward to your immediate response. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
There was a charge I my account for a purchase I did not make. When I bought the furniture there was a grace period of being interest free. During the dispute process I was told not to make payments as the exact amount of the furniture was now in question. While his was being disputed the grace period ended. I was not informed that the graces. Period would continue while this was in dispute. As a result the credit card company kept charging me finance charges, interest and late fees which is now more than doubling the amount of my furniture. I paid off the amount t of the furniture and the late fees and interest herded and finance charges continue to rack up. I have tried for 2 years to resolve this with the company unsuccessfully and his had dramatically affected my credit. I have now lost my job and because of the affect on my credit I can not apply for loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I 'm no expert on this topic and the terms are confusing to me. Part of the problem is that these loans were never properly explained by the school or the lender. After Navient took my loan from XXXX XXXX I called to discuss repayment options. I was clearly talking to a foreign call center somewhere as the first couple of people I talked to had very strong accents and it took a few tries to get someone I could understand at all. I think I may have been misunderstood in my intent as I believe I was put on some sort of " forebearance? '' payment plan. This extended my loan unnecessarily. I should have this loan paid off by now. I tried contacting Navient today and managed to get in contact with a very rude ( but easy to understand ) person who put me on hold indefinitely. They clearly do not want to receive phone calls as they do n't post the number anywhere I could find ( took a number of XXXX  searches ) and I had to battle through the robotic menu system to get a real person. I was hoping to discuss some sort of large, lump sum payment to be done with this company for good, but I was just treated poorly once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted a request to Equifax to remove a fraud alert that I DID NOT ask to be placed. On XX/XX/XXXX Equifax removed the fraud alert and ( see enclosed ) placed an extended fraud alert on my file. This is is malicious in nature and I plan to prove this in court. Please remove the following items from my credit report per FCRA since they were not investigated within the 30 day provision ... 

XXXX XXXXXX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have the XXXX Citi Business card. I had to pay for refrigerator repair for my business on XXXX/XXXX/XXXX. That cost {$700.00}. Refrigerator worked fine the few times we used it in XXXX and we took a break in XXXX for wedding and honeymoon. In early, XXXX I contacted the frig repair company since the problem came back and I ca n't run my business without proper working equipment. Company came out and charged {$120.00} for a diagnostic fee on XXXX/XXXX/XXXX. They order parts and completed the work on XXXX/XXXX/XXXX for another cost of {$1000.00}. The total I paid this company is {$1800.00} and in early XXXX the frig went out again. I ended up purchasing a new unit for {$2800.00}. I contacted Citi to dispute the charges on XXXX/XXXX/XXXX they gave the business owner until XXXX XXXX to respond. Fortunately they responded sooner, I provided my a letter stating that the repairs were inadequate. They told Citi bank that they have a 90 day warranty, but the company told me they have a 30 day warranty. I 'm being taken advantaged of by this company and Citi bank did nothing to resolve it. They sent me a letter stating the merchant did n't want to refund me so the dispute is resolved. Citi rep was also telling me that the time it took me to dispute exceeded the allowable time, but it only took this long because they gave 3 months to respond to the dispute.

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 2018-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a victim of a XXXX scam in which I sent {$280.00} to the seller through Wells Fargo, using XXXX. Immediately after the transfer was completed I contacted them to cancel the payment because I realized I had been scammed. Wells Fargo explained that because I had authorized the transaction and it had been completed they could not do anything, but suggested I contact local authorities. After learning the only authorities that would hear my case were the FBI, I investigated what my other options were. I found out that you could find out what bank the money was sent to by contacting your bank, and that upon learning which bank the scammer had an account at you could launch an investigation on that account. So, I contact Wells Fargo to get information regarding which bank the scammer had an account at. The scammers account was also at Wells Fargo. At which point I asked if I could launch an investigation or what the next steps were, only to be told that because I authorized the payment it did n't count at fraud, which is true it was n't fraud on my account, but the owner of the other account committed fraud, according to California Penal Code 484 ( a ). But Wells Fargo continued to tell me that it was unlikely I would get my money back, and that this account is valid. Wells Fargo is allowing criminals to use their accounts to conduct criminal activity, as is XXXX as there have been numerous account of scams that occurred through XXXX, and large forums of scammers collaborating on how to use XXXX for scamming.

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 2018-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I went into the US Bank branch to open a new credit card. XXXX XXXX, the banker, helped me open the account and successfully got the credit card approved. After which he mentioned another product to me. Initially I declined, but after hearing his spiel and reassuring me three times that there would not be another credit inquiry done on my credit report, I went ahead and agreed to open the personal line of credit ( PLOC ) and was approved. 

When I got home later in the day, I checked my credit report and saw that there were two inquiries done. I quickly called XXXX back and let him know. He said he would be looking into it. It took 4 weeks of back and forth with XXXX and various US Bank consumer report calls for them to officially open a dispute. On XXXX XXXX, XXXX. They formally opened the dispute. 

Sometime in XXXX I received a letter from US Bank stating that my dispute was denied. I called XXXX back once again and he said he would find out the issue and get back to me. After about 2 weeks of not hearing back I called the US Bank consumer report center directly at XXXX and they informed me the dispute was for the inquiry and because the inquiry was valid as a result of the new account, it could not be removed. I explained my frustration and they said they would be opening a new dispute to close the account and then remove the inquiry. I agreed. On XXXX XXXX, XXXX they opened the second dispute. 

Sometime in late XXXX I received another letter stating that my dispute had, once again, been denied. I called the department and they said that they were waiting on documentation from the banker, XXXX XXXX, to submit so they could process the closure and remove the inquiry. The banker, had already confirmed that the error was on his part, but they still needed whatever additional documentation. They told me they would be " escalating '' it and it could take a few days before that was completed. They were/are basically holding the resolution on the actions, of an individual I have no control over, who is also one of their employees. 

After two weeks of not hearing back, I finally called back today, XXXX XXXX, XXXX, to inquire about the status. They told me that there was no notes in the dispute about why it was denied, or what was going on with the account. They have once again " escalated '' it to be reviewed. 

Frankly, it has been almost 6 months. If it was only one bankers lack of knowledge that caused this issue, I would not be writing this message. This is my last resort as there seems to be a central flaw in US Banks policies and procedures regarding matters of this sort. They do n't seem to care or want to acknowledge that they made a mistake and 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 non-monetary relief
Consumer complaint received 2018-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
XXXX/XXXX/2017 XXXX XXXX XXXX XXXX " original creditor '' {$420.00} Harassing calls to pay debt even offering payment arrangements. 
I was victim of identity theft and contacted by police.

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 2018-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I called Wells Fargo on apx XXXX/XXXX/XXXX regarding a discrepancy in my XXXX County Tax bill and the amount that was paid through my escrow account. My tax bill was apx {$7000.00} and Wells paid XXXX County {$7300.00}. This discrepancy was confirmed while I was on the phone with the initial agent. However, I was advised that THEY would receive the refund and that my payment would not be updated to reflect the error in the tax bill because " my loan was new '' and that while they would normally update, since they were n't sure what my taxes would go to, they are just going to keep the amount. I advised that was not acceptable, because the reserve cushion was set in place for such instances and I was getting hit twice because I paid XXXX too much and then I was paying 16 % of the HIGHER number to calculate a cushion. I was advised that they would give me an answer within a week or so. On about XXXX, I called to check on the status and also called to request that 1 month of cushion be removed. I was escalated to the office of the president and was referred to XXXX XXXX, who had NO information or apparently no access to the previous information from the initial agent. She said she had until XXXX to give me an answer on BOTH the initial request and my new request for a reduction in cushion. She called me today and STILL had no answer for me. She told me that she still needed to confirm if my closing documents REQUIRED me to pay a cushion. I advised that RESPA does not require anyone to pay a cushion, it just says that you can collect up to 2 months. I work for XXXX and we remove cushions at the agent level DAILY. I am urgently waiting to hear back because my XXXX payment includes a shortage of {$4500.00}. From my calculations, at a min that is off by at least {$900.00}. There appears to be no sense of urgency however with this agent. She STILL had no information on the obvious error in the tax amounts which the previous front line agent was able to confirm on the initial call. In addition, her customer service left much to be desired. It was quite evident that she was frustrated with me because I was not ok with still having no answer almost a month later.

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 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a previous complaint for putting false information on my credit report showing a collection belonging to another person. They said they could n't find any false information, then sending a copy of my credit information which CLEARLY shows the wrong information in 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