vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EOS Holdings, Inc.
State: SC

Complaint narrative:
1. ) XXXX XXXX {$720.00} contacted agency several times.
2. ) EOS CCA ( XXXX XXXX XXXX ) {$380.00} This was not my account. I never had service with them 3. ) XXXX XXXX XXXX 4. ) XXXX  5. ) XXXX 6. ) XXXX XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX 9. ) XXXX XXXX 10. ) XXXX 11 ) XXXX XXXX XXXX XXXX XXXX 12. ) XXXX XXXX XXXX XXXX 13. ) XXXX XXXX XXXX -paid off 14 ) XXXX XXXX XXXX 15 ) XXXX XXXX XXXX 16. ) XXXX 17. ) XXXX XXXX # 18 ) XXXX XXXX XXXX XXXX 19. ) XXXX 20. ) XXXX XXXX XXXX XXXX XXXX 21. ) XXXX XXXX 22. ) XXXX XXXX XXXX 23. ) XXXX XXXX XXXX 24. ) XXXX XXXX XXXX XXXX 25. ) XXXX XXXX 26. ) XXXX XXXX XXXX 27 ) XXXX 28 ) XXXX XXXX XXXX XXXX XXXX  29 ) XXXX 30 ) XXXX 31 ) XXXX XXXX  32 ) XXXX XXXX XXXX 33 ) XXXX XXXX XXXXE 34 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
To Whom It May Concern, I have a collection account on my  XXXX ,   XXXX   and  XXXX  credit bureau files from the company, Credit Protection, account number listed as  XXXX . Please be advised that I am disputing this information due to the fact that Credit Protection does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for Credit Protection DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.

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 2017-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: WI

Complaint narrative:
On XXXX XXXX, 2017, I had an appointment with XXXX XXXX XXXX to fix my coolant system problem. Unfortunately, I found out my vehicle was impounded at a near by police station. I contacted XXXX XXXX XXXX to let them know about the situation and to retrieve the vehicle so that it can be fixed. On XXXX XXXX, 2017 XXXX XXXX XXXX  retrieve the vehicle from the impound and I was told that there would be a XXXX dollar towing fee to get the vehicle back. I advised XXXX  the sales manager that I would be down the weekend to pick the vehicle up. I arrived at XXXX XXXX XXXX XXXX XXXX, 2017 at XXXX XXXX thinking that they were just closing, but they closed at XXXX. I spoke with XXXX he said that he was thirty mins away on his way home. I again advised him that I would be back the following weekend. I called all threw out the week trying to see what time I can come and pick the vehicle up. I never got a hold of anyone receiving the run around. I made my car payment of about 300 dollars on XXXX XXXX, 2017. I contacted the bank west lake financial about my next payment and to see if they could find out what was going on about my vehicle. I was told that XXXX XXXX XXXX purchased the contract back on XXXX XXXX, 2017 with a ACH back from the bank and that my account with them was closed. XXXX XXXX XXXX advised the bank that there was never a contract on the vehicle. I was sent via text message to refinance the vehicle from sales manager in the amount of XXXX dollars. The bank also refunded my car payment to XXXX XXXX XXXX. This fraudulent experience I received was very unsatisfactory. Both the bank and XXXX XXXX XXXX were giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had received a letter from Macys stating there will be changing my account terms annual percentage rate for purchases to 25.99 % previously 21.99 %. on purchases made on or after XXXX/XXXX/2017. I had went and checked my statement for XXXX 2017 and it shows interest increase to 25.99 % and I had not made a purchase since XXXX XXXX  2017! I tried calling the phone on the letter XXXX it lead me to option either 1 to accept terms or 2 reject and automatically have account closed. As you know if I opt for # 2 this will hurt my credit score. I do have excellent credit and feel as I am being wrongfully taken advantage of by there unfair practices. I would like this resolved Asap!
Thank you, XXXX 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 explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western-Shamrock Corporation
State: SC

Complaint narrative:
I do not know what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please be advised on XXXX XXXX, 2017 Equifax generated a dispute investigation result which holds a negative account with XXXX XXXX on my credit report and I have NEVER held an account with XXXX XXXX. I have called XXXX XXXX twice and it has been verified that I hold no record with XXXX XXXX. There is nothing in XXXX XXXX XXXX file with my social security number nor my name based on the information I received from XXXX XXXX directly. EQUIFAX sent me a file dated XXXX XXXX, 2017 stating that XXXX XXXX " verified this item is being reported correctly. This is my third dispute on this matter. At this point I not only want this removed from my credit report but I I also want to know what punitive damages are available to me and how I can move forward.
Either XXXX XXXX is violating federal law right now by verifying false information. Or EQUIFAX is violating federal law by conducting false investigations and fraudulent reports. I strongly believe that Equifax did not conduct an investigation on the matter at all.
I am also contacting the Attorney General 's office concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I reached out to the company about removing this, no action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Partial account # XXXX. I recently discovered that Home Depot/ CITI BANK reported to the credit bureaus that I was 30 days late for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted Citi Cards on or around X/XX/17 and explained what happened and they initiated investigation. On XX/XX/17 I called CITI BANK and they advised after conducting their investigation, they would not be fixing the error. I have checked my back statements and made the following payments and was never 30 days late. X/XX/17- made payment of {$130.00} ( check # XXXX, deposited by CITIBANK on X/X/17 ) X/XX/17-made payment of {$140.00} ( on-line payment # XXXX ) X/XX/17- made payment of {$130.00} ( check # XXXX, deposited by CITI BANK on X/XX/17 ) These inaccuracies reported by CITI BANK has caused my credit score to dropped my score dramatically. They do not seem to care.

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 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ASTORIA BANK
State: NY

Complaint narrative:
Bank sent me a letter to close my account because I would not allow my employer 's name to be connected with my account. Bank refused to refund me {$25.00} dollars as they were supposed to on XXXX XXXX, 2017. This is the worst bank ever, they view their customers as XXXX XXXX and XXXX. No one should continue to use this bank they look down on people are very bias. Branch Manager, XXXX XXXX XXXX, very nasty dealing with customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Was offered a {$250.00} statement credit if applying for Chase Freedom card. Only got {$150.00} bank says they cant find offer.. It appeared on their site when I was logging into my existing Chase accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC
State: SC

Complaint narrative:
Reached out to lender, no action taken, no response given.

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 2017-07-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My complaint is for loans that I have acquired when I was a student which has been transferred to Navient from XXXX XXXX. My loans were a total of {$12000.00} but when I graduated from the University XXXX XXXX XXXX XXXX XXXX as a XXXX, I was not able to find work. This was approximately in XXXX. I was taking care of my XXXX XXXX children at a very low income average. However, I did keep communication with Navient and XXXX XXXX. It just so happened that I was charged late fees, and lack of payment with interest added. My loan grew to XXXX dollars. I have had to borrow money to keep them from reporting me to the credit bureau. In the past few years, I have paid and paid, but my balance seems to stay the same for the most part. I do believe that my account needs to be reviewed.for financial discrepancies. I may be paying money that I should n't have to pay. Also, I have found that XXXX XXXX was paid for several loans thru the Department of Education, so some of the loans that I am being charged could have been already included in my loans thru the Department of Education. My loans are being handled with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I have a collection account on my XXXX credit bureau file from the company, EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX, account number listed as XXXX. Please be advised that I am disputing this information due to the fact that EOS CCA does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX, DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: GA

Complaint narrative:
I have a an unvalidated and unverified account from CHOICE RECOVERY XXXX, XXXX. I have previously disputed this account several times. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I never received a letter stating I owed nor that I had a right to dispute. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements verbally allegedly related to this debt and currently being illegally reported to the credit bureaus ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether CHOICE RECOVERY purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and COLLECTION ( deleting from all credit bureaus immediately as law requires ) actives and provide the verification of the purported debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX Originally Mom and I Refinanced with XXXX XXXX. They were then purchased by Wachovia and Subsidiary. Finally Wells Fargo Bank N.A. Mom passed the properties are are in probate. I got sick ( XXXX ) got behind. 1 ) property XXXX XXXX XXXX XXXX XXXX my boys and I live there. 2 ) XXXX XXXX XXXX a XXXX I rent out for income. Wells is foreclosing on both but they are not the mortgage services and have no papers - I have tried suing them for wrongful foreclosure. I am trying to get reverse mortgage and its in process and I can pay them off. I had been in bankruptcy they had the auto stay removed to foreclose but there are others on the property. In fact both. I was in Federal Court Case that Wells moved from XXXX XXXX to XXXX XXXX without notice. Case # XXXX NC and XXXX XXXX XXXX XXXX. I really need help being sick - got XXXX young boys, I got both property 's in Probate there is a current bankruptcy going on XXXX XXXX XXXX has interest in both properties BK # XXXX and adversary case XXXX. We need help. What can you do for us.? 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 explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Over the past year, I have been charged an excessive amount of overdraft fees. When I called to complain, the bank stated that if changed its internal system to process the account and show availability funds only at the time when the transaction is settled. Formerly, the bank used to process payments at the time of authorization, which would seem more appropriate given our real-time processing environment today. For example, I showed an available balance at XXXX for {$220.00} this morning. I checked my balance at XXXX and now have a balance of {$20.00}, as I was charged a {$100.00} in overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: ACS Education Services
State: NY

Complaint narrative:
ACS/XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed these Items several times with Equifax did not compile with the State Attorney General Settlement Agreement and 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : Equifax has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: MS

Complaint narrative:
They keep locking me from filing disputes and I send proof for wrong entries by mail and they will not fix problem and wo n't accept my disputes, and keep putting fraud alerts on my file for no reason and keeps me from improving my credit to purchase home, I 'm ready to hire an attorney and file suit against them for interfering with this and not following federal and state laws. I want this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
Last year i was paying {$150.00} dollars. This year I received a letter saying that I owed XXXX..I called fedloan and iinquired about the loan and they were not helping me so. I called the Department of education ask if they would change my loan handling service because l Was not please with Fedloan service. After few days i tried calling Fedloan Service again. I think the young lady name was XXXX that talked with. She was really nice and she informed me that my loan was reduced to {$320.00} dollars ahe also told the I had made 28 payments towards my public service forgiveness loan. Today I received a letter and the statement looked like i have not paid anything. It also stated that the final payment is in 2027 which would be Ten more years. My XXXX XXXX is up and i am now stress out. Could someone please help me and give me a new loan service before this one put in hospital and i want be able to Pay anything. I have always tried to pay my loans off and on time. Your help would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed 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
Consumer complaint received 2017-07-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX

Company response to consumer: Closed with explanation