vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent a letter to XXXX XXXX on XX/XX/2017 requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documents. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the Credit Bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Roycroft Management
State: TX

Complaint narrative:
I and my family ( current and past ) members have received harassing phone calls froma person identifying themselves as XXXX XXXX, phone number, XXXX with XXXX XXXX XXXX trying to get my address ( which they have already and have left on voicemail ) to  deliver papers for a company called XXXX XXXX XXXX ( XXXX ). They call my business phone repeatedly every day, sometimes several times in a row if no answer as well as my cell phone. I contacted XXXX and asked their address so that I could send them a cease and desist letter. The person I spoke with identified himself as XXXX and refused to give me the address due to security and privacy reasons. I continued to ask the address and he hung up on me. I called back and he continued to refuse to give me the address. Ten minutes later, I received 3 calls in a row at work and one on my cell phone from a different number, XXXX, left a message on my cell number advising he was the legal representation of XXXX and received a complaint on me and needed me to call back. I did not contact them again, as I didn't see the need in arguing over the phone whom was actually harassing whom. He identified himself as XXXX XXXX, phone number, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
XXXX XXXX XXXX Fraud dispute information I noticed on my credit card online statement that a charge was put through that I did not put authorize. I called the bank immediately and told them that this was not my charge and this was a fraudulent charge. According to my direction the bank shut down that card and sent me a new one and informed me that they were filing a dispute and for me to look for documents in the mail from them in 7 to 10 days. When the documents never came in the mail I called them and was told that they didnt send out the dispute forms till the XX/XX/XXXX. This didnt sound right to me because I originally called them on the XX/XX/XXXX the same day the fraudulent charge appeared. I waited the 10 days and never received any documentation from them at this time. I was approximately 3 weeks out from the original call and still getting nowhere. I did have frequent conversations with the card company during this whole time. I called the direct line for the dispute department XX/XX/XXXX at that time and they told me there was no record of any dispute being filed. I was surprised to hear this because I had been on the phone many times with the credit card company over this and all the while they would assure me that they were taking care of this for me. No resolution so far and there is still a {$9200.00} charge on my credit card that I didnt put on the card. The lady from the dispute department that I called today XX/XX/XXXX assured me that she would file the dispute and that I should get a letter in 7-10 days. I have lost faith in this company because I have gotten the run around so many times. Here is a listing of the fraudulent charge and the dates and times spent on the phone with the credit card company ( enclosed document ). My credit rating was up around 800 before this happened and it took many years to get it to that level, now to be blown away by something I didnt do and a company that didnt seem to care about filing the paperwork or doing their job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To whom it may concern, I believe the company XXXX XXXX XXXX is a scam. Due to I purchased 2 samples online and I did not receive the samples till several later days after I ordered them only and I happened to check my bank account on XX/XX/XXXX and noticed that XXXX XXXX charged my account for {$100.00} dollars I immediately called my bank to gather XXXX XXXX information to contact them. I contacted XXXX XXXX XX/XX/XXXX I left a message XXXX XXXX never returned my call, I then called back XXXX and I spoke with a XXXX on XXXX she told me they do not give out full names just a first name and she offered to give me {$50.00} dollars of my money back she claimed I was supposed to cancel order for XXXX XXXX XXXX XXXX in 17 day which I was never informed of that. I never agreed to 17 days and never did I authorize XXXX XXXX to charge my account for {$100.00} dollars I repeatedly asked XXXX to speak with a Supervisor and she refused to allow me to speak to a supervisor she told me a supervisor XXXX would call me back on XX/XX/XXXX but a supervisor never returned my call. I never received any letter confirming they would charge my account for {$100.00}. I did receive a confirmation letter of the samples I purchased and a letter of them cancelling XXXX XXXX XXXX XXXX purchase order the purchase id XXXX. I never received a letter confirming a purchased order. I thought this was very deceiving and misleading business of XXXX XXXX.Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I took a loan in XX/XX/XXXX. I paid the loan in full in XX/XX/XXXX. I never received a duplicate title for my vehicle. I need to donate the car. I went to the DMV to request a duplicate title and the lien has not been released. I nowmust go to an outside site that will charge me money what Santander should have already provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion is inaccurately reporting a chapter XXXX on my credit report. I have sent several debt validation letters for them to verify that the bankrucpy belongs to me. I have asked that they give me the following information. 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The  address 4. The telephone number 5. The documentation used to verify the dispute. 
6. The asset and liability amount of the bankruptcy that is supposedly reported correctly by your company. 


They only state that they have verified. According to Fair Credit Reporting Act. the credit bureaus must report accurate information. As of this date if they have verified the bankruptcy as being accurate. why is there a XXXX on the amount owed. I don not believe that someone would file a bankruptcy and not owe anything. Transunion has violated my rights by not accurately reporting information. I would like Transunion to verify and send me all of the information I have requested. If they can not verify correctly and report correctly. I would like for Transunion to remove this item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
Dear Support Representative, I just discovered this and it has been effecting my credit since XX/XX/2017. 
My family been a customer of XXXX for 15 years and handling this account for almost 10 years paying all of my bills on time. 
I never opened the account that is in collections and marked with XXXX and pay my bills with XXXX on time every time for a decade now. 
I would appreciate if you can help me remove this derogatory mark as it affects my credit history. 

Sincerely, 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 2018-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a letter in the mail from the XXXX XXXX XXXX XXXX XXXX Department for XXXX XXXX stating that my XXXX taxes had not been paid and if the payment was not received by XX/XX/XXXX, I would be named in a lawsuit. I immediately contacted my lender, Wells Fargo about this and was told that the situation would be escalated to a tax specialist and I would be contacted in 6 to 10 days by mail with a resolution. I spoke to XXXX at Wells Fargo. I was not provided with a last name. On XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX XXXX tax and spoke to XXXX. I was told by XXXX that if they did not receive the payment by XX/XX/XXXX, that my tax bill would be turned over to a different department and legal proceedings would start and that my home would be put up for auction. I was also told by XXXX that a lender was not listed on my tax card. I asked if I could provide the information and was told that the lender would have to do that. I also asked XXXX if my XXXX taxes had been paid and he said no. After I spoke to the County, I contacted Wells Fargo again to try and escalate the situation and was told that the earliest I could call back in to check on it would be Friday, XX/XX/XXXX. I explained that on top of the taxes showing unpaid, an additional interest charge had been added to the account and was told by the person at XXXX that I spoke to that XXXX would be responsible for any amounts over and above the tax amount that was due. The transaction history on my Wells Fargo account shows that taxes were paid for XXXX on XX/XX/XXXX and for XXXX the taxes were paid on XX/XX/XXXX. To date, the county has never received payment for my taxes. If XX/XX/XXXX comes and this is not resolved, not only will more fees be added to the XXXX tax bill but the XXXX tax bill will also have additional fees added to it as well. I have attached the following to this complaint ; a copy of the letter from the county, the delinquent tax bill, a copy of the registered warranty deed and tax card ( that was provided to the lender ). I don't think when something is this pressing with a dead line and I have a threat of loosing my home and being sued due to an error that is not mine I shouldn't have to wait 6 to 10 days for a resolution. Someone should have taken my call when I called in and called the county and resolved it that day. I shouldn't have to be under this kind of stress and worry when I didn't do anything wrong.

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 2018-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I applied for a loan with XXXX by Goldman Sachs in XX/XX/XXXX to which I was denied a loan and received a Notice of Adverse Action. I waited some time to re-apply in XX/XX/XXXX and was denied yet again. I waited until XX/XX/XXXX to re-apply again and was declined again. I called into their customer support number at XXXX on XX/XX/XXXX where I spoke to a representative who informed me that my " re-apply '' date depends on the reasons for which I was being declined. I asked him to give me a specific re-apply timeframe to which he could not because " their reps are not able to see the reasons for which an applicant is declined. '' He then proceeded to tell me he was able to retrieve the letters that were sent to me, which indicates, to me, that he had access to the information I was requesting. He escalated my call to a manager who told me the reason why I was unable to re-apply was due to " time too recent between last application decline. '' I then asked the manager to provide me with the original reason as to why I was declined since she was apparently able to see those reasons. Well, " she couldn't discuss those over the phone '' and didn't have access to them since they were archived. So, to be clear, they started out telling me that decline reasons could not be shared ; then they were able to be shared ; then " certain '' decline reasons we unable to be shared. That seems deceptive and clearly not being upfront with the customer 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Hi, My Credit report show old collection which was close on XX/XX/XXXX. Since then no update has been happen, Even today its showing pending balance of {$3300.00}. Due to this my credit history is bad, and many time I rejected for personal and housing loan. Also paid almost 6.5 % interest for car loan. That time I was not aware root cause. 
Because of this issue I been denied for housing loan, in XX/XX/XXXX. That time house cost was XXXX, now same house cost increased to XXXX. Loan was denied at the time of disbursement, before that I paid initial token moth XXXX. After 2-3 months follow up I lost the deal. Since then I paid almost XXXX/month rent which is total close to 75000 plus. 
When I apply for personal loan then I realize the root cause of denial.

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 2018-02-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a purchase with my Chase Visa card on XX/XX/XXXX-17 to a  company called XXXX.I paid them XXXX and they never rendered me any service.I know this is outside the billing dispute timeframe but not for services not rendered.I am asking Chase to look into this as I received nothing.The bank should not let these type of companies operate a merchant account.Please help me get my money as i am retired on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is for a care credit account for 3 necessary missing XXXX XXXX   as a XXXX. To not have them affected XXXX, XXXX, XXXX, and the look of the smile. There is a late payment from last month that we could not afford, so we did not pay the full amount ; however, I have already informed them that we are paying off the care credit account ( as much as possible ) when our tax return comes in one lump sum ( part of it was zero interest for six months, and then another part was an agreement for a two year payment plan ), but they don't care. They are calling at least 4-5 times per day, every day, starting around XXXX XXXX for weeks now, and filling up my voicemail with blank messages.

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 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I have repeatedly asked Citizen 's Bank to send me a mitigation loss application so I can apply for loan modification ; they keep saying they are going to send it, but never do. It has been more than a month now since my initial request they mail me an application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I was renting an apartment in a house for about 10 years ( approx. from XX/XX/XXXXthrough XX/XX/XXXX). Un aware that the landlord was piggybacking off of my electric to service from the basement and other areas of the house that had nothing to do with my account. 

I reached out to XXXX XXXX several times regarding unreasonable electric bills for one person in a small apartment unit. The landlord denied this claim and was also renting out an illegal unit to me which I was unaware of until I contacted an attorney and was advised. 

I ended up taking the landlord to court because he neglected to make necessary repairs and because I believed he was stealing electricity from my meter and that is why my bill was so high every month leaving me with a balance of {$1400.00} and a negative report on my credit.

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 2018-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient For the past year I have had to file several deferments and forebearances, trying to get my payments with Navient to a reasonable amount. They just replied today XX/XX/18 with a {$390.00} payment plan. I have sent numerous requests as well as proof of income. The only things I can get are temporary forebearances that hike up the interests later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Applied for a loan, because i am the only one working right now because we just had a baby and we needed help, got approved used the money for bills and now im paying a ridculous amount on top of my other bills and putting food on the table for my family. They take advantage of hard working americans and take more money from you like a bunch of scam artist, how they are even a business i dont know. Every two weeks taking out more and more money is going to put my family out on the street.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/ -XX/XX/XXXX these are the dates i have contacted and disputed with XXXX  about this public record. to verify this account they have not given me any information on verifying the account. They continue to send me my credit report stating they verified the account. and its correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Northeast Recovery Solutions, LLC
State: PA

Complaint narrative:
This company is calling me and my family members- most recent message : XXXX XXXX this is XXXX ... contacting you with the offices of NRS. I am calling in regards to a complaint pending against your name and social security number from XXXX County and I do just need to speak with either yourself or your legal counsel prior to any further proceedings. The phone number that I do need an immediate response back to was XXXX and then the extension that is directly in my office is XXXX. Now XXXX this is a very time sensitive matter so it is imperative that I do get a response upon receipt of this message. 

Caller ID was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: ID

Complaint narrative:
I did not receive any communication from XXXX XXXX company saying that I owed a debt, was in default on my debt, and that my debt was being sent to collections. I do not know who the original company the debt is through. On my credit report, it says that this debt was opened on XX/XX/2017. I never applied for a debt/loan on XX/XX/2017 and was never told about it. The first time I received knowledge about it was when it showed up on my credit report.

Company response to consumer: Closed with explanation