vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-08 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: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account DEBT RECOVERY SOLUTIONS , LLC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DEBT RECOVERY SOLUTIONS , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: MD

Complaint narrative:
Today alone they have called my home phone 3 times/daughter/ex-husband/ step sister/ XXXX year old mother/ex sister in laws/ex brother in laws and nephew I have seen or talked to in 20 years phones all before XXXX. We had been paying what we can on a part time job of 22 hours ... instead of past due going down they kept adding more and more late fees ... {$300.00} a month is all we can afford but they continue to threaten ... already have 3 in collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The statements don't make any sense. It gives balance subject to interest rate and then promotional balance and those and nothing else equal the total balance. Also, I thought it was a federal law that payments had to be applied to the highest interest rate first. They are applying my payments to the promotional balance 0 % first. Also, if you look at my statements from one month to the next, the balances don't make any sense.

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 2018-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This company calls me several times per day and at unusual times in an attempt to harass me for a bill I do not owe. They are calling about a corporate credit card past due amount and I have not worked for the subject company for approximately one year.

I have explained to this company that I do not owe this bill but they robocall me every morning and evening and on weekend mornings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/2018 around XXXX EST Portfolio Recovery Associates LLC provided information regarding my debt to an unauthorized third party without verification and in  direct violation of the FDCPA. Management confirmed this violation of the act and apologized claiming it was a new employee who made the error. Furthermore, the debt in question does not belong to me as I have disputed it on several occasions due to it having been on my credit report for a span of more than 7 years. I have rights as a consumer that were violated by this company in more ways than one. This item should be removed from my credit report immediately and my number and personal information removed from their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08 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: GA

Complaint narrative:
I called The Office of Consumer Affairs and requested to speak with XXXX XXXX as she is the dedicated person that I used to deal with but failed to return any calls and no one is now able to reach her if she is in. I spoke with another rude representative who initiated a Dispute for me over the phone as I currently do not have online access to my own credit file which needs to be fixed. I get tired of having to call in and deal with rude people. 

Sadly, I also had another account that Equifax reported on the account longer than it should have been and XXXX XXXX was the only one willing to resolve that for me after years. 

I disputed a Collection Account ( XXXX XXXX ) which needs to be removed from my credit file as it already has been from other Credit Reporting Companies. Equifax has a history of keeping things on my credit file for longer than they should be as they have done so with Three reaged XXXX XXXX XXXX as well. Equifax is the only bureau holding on to these accounts. I received a notification via email that one of my investigations had been completed. However, I am not able to view the results, nor have I received results in the mail. My online access needs to be resolved. My file also needs to be removed from Consumer Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TCN Inc
State: GA

Complaint narrative:
On XX/XX/2018, I received an e-mail from XXXX XXXX of Title Cash Now.Com at XXXX XXXX XXXX in XXXX, Georgia, XXXX, stating she wanted to " help me ''. I went to her office to what I thought was to discuss and settle the payment for my car, and as I was speaking to her, she called an armed police and a tow company, grabbed the keys from me, threatened me at gunpoint, and towed my car. XXXX XXXX, the General Manager of the office know as Title Cash Now.Com title pawn. The police officer was XXXX XXXX, and the tow company was called XXXX XXXX XXXX XXXX. They have several offices in XXXX, Georgia and hide under the number Title Cash Now.com, which I checked and was not registered under the state of Georgia. The company registered is called TCN , Inc. owned by XXXX XXXX XXXX. 
They are usingunfair, deceptive or abusive practice that violate federal law. They continue to expand with more stores in XXXX, but are not held liable for their criminal activity toward consumers. As in the case of CFPB Vs. XXXX XXXX, XXXX. they violate all of the same violations, and even more. They do not explain the risks involved with their process, such as this instance where they use threat, deception and violence, and do not encourage early payoffs. I hope that CFPB will investigate this company and bring justice to all who have been harmed by their illegal activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: NC

Complaint narrative:
These people, that change staff often leave threatening voice mails to take legal action and then call you the next day that I should call them and make a small payment. It is not against to be in debt. Do not call with threats one day and when you realize that what you said was illegal, call back the next day as if I did not save the voicemail transcription. These people call everyday when they know that I am at work. I get off late so I have to let them leave voicemails. Saturday comes and they call. Then they will call from what I believe is a cell phone. But when I try and call back, it is blocked. That is harassment. Once again, it is not against the law to be in debt. Maybe Im paying slow due to job issues but I always catch up. This type of behavior by their staff that changes monthly is unacceptable and very troubling. They need to know that threats will not get them paid any faster. I am recording each time that call daily and on weekends and Ive saved the cell numbers in which they call from. Ill continue to report them until your company deals with the issue. Threats will get them nowhere.Also where is my written notice within 5 days of the threats? Can I have this is writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Four months ago via phone requested that they not contact anyone but me - People outside of me were contacted and asked to verify personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/2018 I WENT INTO XXXX  XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT 3 MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE. THESE ARE THE COMPANIES XXXX XXXX WELLS FARGO DEALERSHIP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( RAN TWICE ) XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I noticed an email from Chase which stated I requested to delete my phone number and if I didn't to call the bank. So I called the bank. The first Representative helped me to add it back so my text alerts would get to me. 

What I believe the bank did : Somebody at the bank deleted my phone number so I would not receive alerts. No one else but the bank has access to my account. The bank refused to remove or to reduce these remaining fees. I have been a customer of theirs for many years. I also believe someone at the bank changed some of my purchases that took place previously to post on XX/XX/18 so that each of them could generate more fees. For the past several years, my purchases appear almost immediately pending then they post on the date made. Then all of a sudden for this incident, purchases made on different dates appeared on XX/XX/2018. For example, The attached receipt shows purchase XXXX XXXX purchase made XX/XX/18 but the bank shows it being made on XX/XX/18. Another attached receipt from XXXX shows purchases made on XX/XX/18 ; however my bank statement shows it was made on XX/XX/18. This is a way for the Bank to maximize their fees. XX/XX/XXXX doesn't appear on my bank statement at all. This is not an accurate representation of events. 

What I did XX/XX/2018 : I called the bank to inquire about how my phone number became deleted so I could not receive text alerts and the representative did not know and could not provide any explanation. He assisted me with returning my phone number to the alerts. After about an hour on the phone with the bank, I requested a reduction in fees or a removal of fees and XXXX a supervisor said he consulted with " the back office '' and nothing could be done. 
I inquired about all of the fees, 7 of them - maybe less at the time of that conversation. The insufficient funds fees continued to increase between XX/XX/18 and and XX/XX/2018. My overdraft balance continued to increase as well. Bank fees total {$230.00}. My account balance at this time is - {$820.00}, a negative balance The impact to me : Almost my entire check will go to pay my negative balance. As a result, I will not have money to pay my bills, and the negative balance and fees will continue. 

At the time the bank fees started, I had funds at the bank in another account to more than cover the insufficient funds. They could have called me for approval to uses that or at a minimum to alert me. In the past, I have received alerts asking me if I want to transfer to cover an overdraft. However, since someone at the bank deleted my phone number, I did not receive that. 

Why did they do it : I believe they want to get all of the profits they can for the year end. 

My request : I am requesting reversal of all of the fees in the amount of {$230.00} because they are a result of the bank 's actions with not alerting me to the situation with a phone call or text message.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: DE

Complaint narrative:
Just got an unsolicited debit card by mail, a " XXXX XXXX XXXX Prepaid Mastercard by XXXX '' issued by XXXX. Considering that an identity thief has recently been using my personal information to request credit cards, this has given me quite the fright. Need I be worried about fraud in this instance? If this is not a case of fraud, should a business practice be allowed that is easily mistaken for fraud and identity theft and that causes customers hours of pain, worry, and loss of personal time? I tried to resolve this by phoning MasterCard, XXXX, and XXXX, but was unsuccessful since every phone number tried directed me to menus that automatically disconnect if something off-menu is wanted. If it is ok for these companies to issue unsolicited cards, they should at least be required to make it easier to resolve worries about fraud such as mine.

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 2018-12-08 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: NC

Complaint narrative:
Equifax continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I contacted Equifax Credit Bureau by phone and mail. I was told by Equifax that credit inquiries are FACTUAL, I don't ' know what that means and when asking the Equifax representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: MA

Complaint narrative:
I can not seem to pay down the principal amount that I borrowed. I was in forbearance for a while and am now in an IBR. When I originally consolidated my loans in 2004 the total principal balance was approximately $ XXXX. I have paid over $ XXXX back over the past 14 years and my principal balance is still $ XXXX. When I review a statement of all payments and charges against the accounts I can not make sense of the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX - I enrolled in XXXX  's XXXX credit security program and saw that there is a Revolving Account from CBNA opened in my name. I have used and had any CitiBank products. It is even more alarming because this account was opened XXXX ; I was born XXXX. During my phone call with CitiBank they were unable to locate any account connected with my SSN. They ask that I contact XXXX to have them give me the CBNA account number so that CitiBank could locate this account. 
XXXX - I contacted CitiBank to retrieve this account information. I was told that XXXX would be unable to give me any information about my credit profile unless I purchased their credit monitoring program XXXX ( XXXX ) for XXXXUSD. After a few moments of confusion I asked the telephone operator to confirm that XXXX  is refusing to provide me with information about my account until I purchase their XXXX  program ; to this the operator immediately disconnected the phone call.

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 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
On XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX  XXXX XXXX DECIDED TO RUN MY CREDIT 3 MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE. THESE ARE THE COMPANIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( RAN TWICE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : CASHCALL Account Number : XXXX Date : XX/XX/2017 Amount : {$10000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08 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: NC

Complaint narrative:
XXXX continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2017 etc. I contacted XXXX Credit Bureau by phone and mail. I was told by XXXX that credit inquiries are FACTUAL, I don't ' know what that means and when asking the XXXX representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct 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