vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
On multiple occasions since XXXX/XXXX/19, I have received phone calls from Midland Credit Management. From what I can see from my call history, I receive multiple calls a day. On Monday XXXX/XXXX/19, I took a call from them and informed the caller that Monday thru Friday between the hours of XXXX that I am unable to accept calls due to being at work. I repeatedly told the caller that I could not talk during this time. She implied I was avoiding resolution, and practically insisted I talk with her right then. The caller was badgering me about talking about the case after I clearly stated I was not able to. I stated I could not talk about it and the caller asked me what time she could call. She asked if XXXX was acceptable. I agreed. She never called that evening or since then, only during business hours. I do not recall if they called again on Tuesday XXXX/XXXX/19 or Wednesday XXXX/XXXX/19 or not, but she did call me again on Thursday XXXX/XXXX/19, and was again informed that she had been told I can not talk. She told me that I " give her that excuse every time '' and I replied that it was " because she calls me every time during the times I am not available. '' Again became abusive with her language ( no vulgarity ) and would not accept my answer. On Friday XXXX/XXXX/19, I AGAIN received a call from the same individual who began the conversation with " Are you at work? '' To which I replied, " Well, what time is it? '' She would not accept my answer of not talking about it, I reminded her that I am at work Monday through Friday XXXX and if she is calling at XXXX and it is Friday, then no, I was not talking. She again tried to get me to resolve this confidential matter while I am at work. At some point in the conversation, another individual came on the phone ( a male this time ) and I informed him of all of the above. I also told them at that point that because they continued to harass me during business hours after giving them an acceptable time frame that I would file a complaint against them for harassment and hung up. I am not interested in disputing the validity of the charges. They are mine and valid. However, I will not discuss personal business matters on the phone while I am at work and have repeatedly informed this individual of my availability to discuss, and they refuse to respect that and become abusive and hostile when I tell them so. I have witnesses of these actions as well. Abusive tactics and hostile language and continuing to call multiple times in a day and during times I have clearly stated on multiple occasions are not acceptable is a clear violation. At this time I am having a financial hardship and can not afford any more payments. This hardship is not what caused me to default on the balance- that is a whole different story.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I received a letter regarding that a debt was assigned to another company. I never had a debt with neither of the companies. The letter has missing the disclaimer that I have 30 days to dispute debt. I have not contacted company out of fear that it might be fraud or a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: TX

Complaint narrative:
Hello, here are the facts on the purchase where merchandise was never received. 

1. I placed an order for XXXX XXXX XXXX on XX/XX/2019 from XXXX to be shipped to my billing address in XXXX, TX. The purchase price was XXXX + XXXX for shipping 2. I paid for this purchase through XXXX credit card processing with a link on XXXX to complete the check-out. The XXXX receipt listed the shipping address again in XXXX, TX. 
3. On XX/XX/XXXX, XXXX sent a shipment notification with USPS tracking number XXXX. When I went to USPS site to track it, the package was sent to XXXX, OR and not XXXX, TX. 
4. I never received the scanner. Tracking number shows a shipment sent to XXXX, OR 5. Citibank has resolved the claim in favor of the merchant on 4 separate occasions. 
( 1 ) Item was delivered by USPS to XXXX verified address - NOT TRUE, XXXX lied in response to Citi ; ( 2 ) merchant must agree to refund amount in question - MERCHANT CONTACT GOES UNANSWERED ; ( 3 ) merchandise description not provided - NOT TRUE, already provided receipt showing merchandise description ; ( 4 ) must provide a valid credit slip - no idea what else I could provide since I provided the following documentation with the dispute - receipt from merchant, receipt from XXXX for payment processed, shipment notification from XXXX, usps tracking confirmation showing it was shipped to OR and not TX.

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 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
The Company CCS has contacted me multiple times a day after I spoke with two different representatives and requested them to stop calling. The number they are calling from XXXX. They have contacted me on XXXX and XXXX and both have been requested to be added to their do not call listing. I got a call this morning XX/XX/2019.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On Friday, XX/XX/XXXX, ( I followed XXXX 's rules and the FTC & called the negative accounts on CRAs. I was disconnected, transferred & repeated my complaint of identity theft to Barclay 's Bank of Delaware! In the 90 minute frustrating & confusion on Barclay 's business tactics of fraudulent business practices with them thinking that I opened account with them in XXXX, they informed me 90 minutes later, that it was opened in XXXX? Then that definitely was not me and they knew/know it was not! I repeated that I opened an account with them about XXXX, I reiterated that I and after XXXX or XXXX never had any major credit cards! In fact, it was not me because after 90 minutes, XXXX informed me the card was opened in XXXX! I repeatedly informed him/XXXX that I stopped using major credit cards before my granddaugfher was born in XXXX! I paid my account balances. I never purchased anything, and never got any bills because I after paying off did not buy nor open another account When I called several months ago, as suggested b the FTC as recovery steps, the lady said, " ... suddenly you started to charge in large increments - {$1500.00} - {$2000.00} & not paying in full as usual! '' No-one called me nor did I receive a bill after paid in full I told XXXX that I did not have any major cards after XXXX or XXXX! 
I flled a complaint, sent them the proof of my identity theft from the FTC, copies of police reports and all necessary information from the FTC! 
Barclay Bank is not/has not followed laws for identity theft victims! XXXX thought he could trick me I infer by his tone of voice and arrogant attitude that I do not know how he sleelps nights lied on the Credit Reporting Agencies! I did not open that account in 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 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Torriere Holdings INC
State: FL

Complaint narrative:
Called repeatedly the number provided ( XXXX ), trying to reach a representative at XXXX XXXX XXXX XXXX, XXXX. Phone continued to ring with no one answering. Trying to resolve a issue with receiving a recent phone call from someone trying to collect on behalf of XXXX XXXX XXXX. After speaking with XXXX, they stated the file was sold to a third party. Reached out to the third Party, XXXX XXXX XXXX and they responded as not being in business and the debt was returned to XXXX XXXX XXXX XXXX, XXXX. Not sure of what's going on but I need some answers of who placed a call to my cell phone collecting on behalf of XXXX XXXX XXXX and requesting me to settle a debt owed for {$2000.00}. The individual went on to say that a civil complaint was in process as well as a judgment. So far no one is willing to own up to the phone call made to my cell phone on last Thursday ( XX/XX/2019 ) regarding this debt they say I owe. So again, I need a verification of debt in writing from XXXX XXXX XXXX XXXX, they say I owe.

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 2019-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This debt collector LVNV funding is still claiming that I owe them when I dont. This is a junk debt collector that I never signed any contract with or opened any accounts with. The original creditor wrote this debt off on their taxes and sold it to this " junk '' collector which I dont owe because I never signed a contract with lvnv funding llc. This debt collector does not have a right to collect from me under the FCRA. And should be removed from my credit report. I have also never received any written correspondence regarding this debt from lvnv.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have filed disputes with Experian for credit validation/verification. I just received a letter yesterday XXXX/XXXX/19 from them stating they will not re investigate my disputes with them on my negative accounts. I have sent them XXXX letters so far though XXXX certified mail regarding these disputes XXXX/XXXX/19 and XXXX/XXXX/19. Under the Fair Credit Reporting Act they are required to re investigate. Also I have ask for proof of debt and how they have verified this debt. They have failed to show me adequate proof that the debt is mine for example : original contracts for these negative debts and XXXX collections

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 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I, XXXX XXXX XXXX, would like to request complete accounting history for Loan # 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 2019-07-26 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: CA

Complaint narrative:
My XXXX Credit Card ending in XXXX is not showing on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
an account was added to my credit report from southwest credit systems L.P. account number XXXX** that is a result of identity theft .... I have never had an account with this collection agency or charter communications in XXXX nc. yet this company has reported this erroneous account on my credit reports when the company is aware that this is a fraudulent account opened with stolen identity information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
1. As stated in my lease contract, I was required to make 36 monthly installment payments. I paid for each installment. The final payment was posted on XX/XX/2019. 

2. I wanted to purchase the vehicle at the end of my lease that expired on XX/XX/2019. I called Chase to attain a payoff quote on XX/XX/2019. Chase provided a 10-day payoff quote. The quote included two discrepancies. a. ) The purchase price stated in my contract is {$11000.00} and the purchase price provided by chase is {$11000.00}. b. ) The lease payoff quote includes a XXXX and additional monthly installment. I was informed this additional payment is non-negotiable and would be refunded if the payoff was made on or before XX/XX/2019 ( the day my lease expires ) 3. I have called Chase several times. I had them submit my case for review in their accounting department but was denied twice. The last time I called was on XX/XX/XXXX to which the representative said I am in the wrong. 

4. I visited a Chase branch located at XXXX XXXX XXXX XXXX, CO XXXX on XX/XX/2019. I waited two hours while the bank lobbied on the phone on my behalf to their motor vehicle department. 

In summary, I am owed {$38.00}. the purchase price varies and I should not have been charged the XXXX and additional monthly installment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-26 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: FL

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged {$100.00} on my checking account for no reason. I have call them several times and they give me different answers but they dont resolve anything. Supposedly I was charged from the credit card department to pay for my credit card but that payment isnt reflected in my credit card record. I have talked with both departments checking account and credit card and they dont resolve anything.

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 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hello there, I have a problem with Wells Fargo Credit Department that I applied for XXXXXX/XX/XXXX by Wells Fargo credit card twice last XX/XX/XXXX and XX/XX/XXXX. Wells Fargo Credit Department sent same letter to me that they are unable to verify my identity in XX/XX/XXXX and XX/XX/XXXX. Their reason specified : " Identity can't be verified '' Their claim is false not true that I believe based on the facts. I already provided additional documents of my identity : utility bills, driver license, social security card at Wells Fargo branch office last XX/XX/XXXX in XXXX, Maryland and the branch manager of the Wells Fargo verified my documents for identity and submitted them to Credit Department at Wells Fargo. Credit Card Wells Fargo still refused to accept them and declined my identity for confirmation and card approval. Again this XX/XX/XXXX they approached me same reason of the decline of the card application : Identity can't be verified. I called Credit Card Department at Wells Fargo and they asked me to accept their passcode text that is not available on home phone. I asked them to send security code through SMS but they refused. I asked Wells Fargo Credit Card Department for alternative option to send a security code by email or text message or another way by mail. They refused. I provided my identification and additional documents at Wells Fargo branch office. Wells Fargo Credit Card still declined them. Their same reason : Identity can't be verified. I believe that they are doing abusive process and already burden the process and blocked me as a consumer for equal consideration and options for solutions. I believe that they discriminated 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 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been a US Bank customer & have had a credit card account with them for the past 10 years. US Bank decided to take action & close my credit card account. On XX/XX/2019 I called US Bank & requested a new card be mailed to me because my previous card was damaged. When the new card was delivered at my residence I was overseas due to work. I was not able to get the card because I was overseas, & the card got RETURNED via mail to US Bank. US Bank assumed I didnt live at that address or it was ordered fraudulently. US Bank decided to shut down my credit card account without calling or contacting me to verify. I called US Bank stating my case to tell them what happened. US Bank instructed me to write a letter stating I want to keep this account open. I wrote them a letter & sent it to US Bank by fax, & they claim they never got it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MI

Complaint narrative:
The Amortization Chart is not matching the Balance on my Mortgage statement. I called on XX/XX/2019 and tried to explain to M & T Bank that there was a problem and they said that they would look into it and call me back on XX/XX/2019. We called M & T Bank back on XX/XX/2019 and XXXX from M & T Bank said that the investigation was still open sorry that they didn't call. then XXXX told us to call back on XX/XX/2019. I received my loan payment for XX/XX/2019 and the Amortization was still off and it increased. On the loan payment for XX/XX/2019 there was a {$20.00} deferens in the Amortization and the Principal amount. Then when I got my XX/XX/2019 loan payment the deferens went up to {$20.00} it went up {$0.00} cent it keeps going up. I called back on XX/XX/2019 and XXXX from M & T Bank said that they have opened an new investigation and they have 15 days before they have to give us and answer on the first complaint back on XX/XX/2019 and they do not have to give us and answer until the 15 days are up. I am asking for help please this amount keeps going up and I can not get any answers from M & T Bank.

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 2019-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I have a collection on my credit report from WAYPOINT RESOURCE GROU XXXX XXXX XXXX XXXX XX/XX/XXXX {$820.00} {$820.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX They have illegally reaged this debt as I have not had service with XXXX since XXXX. They have the open date as of XX/XX/XXXX which is absolutely incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I contacted Experian by phone on XX/XX/XXXX to ask that they delete an address that was listed as a past residence for me and the address is a commercial office building which is my place of work. On XX/XX/XXXX I got a credit alert that my XXXX score had dropped by XXXX points. When I read the detail of the dispute I found that the Experian representative did not remove the inaccurate information, they listed my place of work as a multifamily dwelling. I am writing this email from my office and I can assure you that this building has never been a multifamily dwelling and that is a matter of public record. I have attached a photo and anyone can look this up on XXXX maps.

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