vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
I paid off my timeshare loan ( {$2100.00} ) with XXXX XXXX XXXX, in XX/XX/XXXX. I got a letter confirming my payoff. As well as a share from their company stock, also confirming my payoff. They called it a " confirmation certificate '. 

In XX/XX/XXXX, I sold my XXXX XXXX membership to a different timeshare company. I filled out the proper documentation for the " owner transfer '' with my new company. The following year, XXXX I get a statement that my yearly maintenance fee had been applied to my account with XXXX XXXX. I immediately contacted both XXXX XXXX and my new timeshare company ; The new membership company stated that they had followed the proper process of transfer. XXXX XXXX stated they never received any documentation from them. XXXX XXXX then sent me documentation to fill out and explain what had happened and to close the account. I filled out and sent it back to them. A few months later I started to receive phone calls from XXXX XXXX stating I was late in paying my maintenance fees. I again explained the situation, sent the copies of the documents I had previously sent. I didn't hear anything back from them for years. Up until I recently, XX/XX/XXXX, checked my credit report and saw a report from XXXX XXXX XXXX XXXX and found that it was from XXXX XXXX XXXX. The amount that they report is nothing more than the fees they applied. Nothing to do with my loan obligation. 

I satisfied my loan obligations with XXXX XXXX XXXX. It's unfortunate that both companies didn't do their due diligence and follow through with closing/transfer of the account and now I am the one being affected negatively with this information on my credit reports.

Also, just a quick observation, I wouldn't have been able to sell my timeshare to my new timeshare company if it wasn't paid in full by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LendUp Loans LLC
State: FL

Complaint narrative:
It shows in my credit report that I owe XXXX XXXX {$25000.00} that I NEVER applied for it and Never received, although I have never received any info or requests from them all of the sudden very suspiciously it shows I owed them that amount from XX/XX/2016. I spoke to someone in customer service that had no idea what she was doing, completely clueless said the TEAM '' will get in touch with me of course they have NOT. I have sent them many emails they do not answer, finally they send me an email that says LOG IN to my account, which I DONT KNOW what they are talking about since I do not have accounts with them, and send them my name birth date phone number which I did and still they have not answer. This co is a SCAM do not answer back, do not show the documentation or disbursement of funds and they are ruining my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is impossible to get a live person on the telephone at Experian and they have the phone tree set up so that you press 1 to ask about a fraud alert and then you hear a message that a fraud alert has been set on your account. I did not request a fraud alert and the phone tree did not ask to place a fraud alert, just to ask questions about a fraud alert. 1 ) I want the fraud alert removed 2 ) I want experian to be ordered to hire live persons to answer calls from consumers who do NOT have a credit report number. 3 ) Experian should be ordered change their phone tree so that a fraud alert is not placed unless a live person paid by experian answers the call and verifies that a fraud alert is what the consumer actually wants. I called Experian at XXXX ( XXXX ) XXXX and XXXX You'll need a copy of your most recent Experian credit report and the 10-number digit on it to get through. The phone message said if you have questions about fraud prevention then press 1, which I did, then the message said that a fraud alert was placed on my account. ( XXXX ) XXXX or ( XXXX ) XXXX puts you in a circular phone tree where if you have a question about a fraud report press one then do you want to put a new fraud alert press one if not press 2 then if you press 2 you go back to if you have a question about a fraud report press one to an infinite loop

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 2018-07-12 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: Rocket Mortgage, LLC
State: ND

Complaint narrative:
I called quicken loans on XX/XX/XXXX to get pre-quailfied for a home loan. I explained that this is going to be an investment property and I was needing a loan for {$80000.00} I told him my whole plan and he said let 's pull your credit. 

He pulled credit report and said everything looked good with you and your wife but, unfortunately we can't lend out that amount for an investment property due to it being too little. They would not go less than $ XXXX. I disputed my credit inquiry and they came back and said that we would give you {$75000.00} but unfortunately your wife 's credit is to low. 

Quicken loans is coming up with every excuse on why we are not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: WI

Complaint narrative:
Got a loan for {$2500.00} with expectation of paying off early. Have made several large payments on loan including a payment of {$1900.00}. Expressed to the company I needed the principal balance paid down to pay the loan off because of unexpected things that came up and need to be free of loan. They put the {$1900.00} toward interest and said the interest on the loan was fully paid. The {$1900.00} along with {$880.00} ( extra and over payments ) along with regular payments equaling {$1800.00} you would think would bring the balance down, but no. There is still a balance of {$1300.00} and that balance keeps going up. I have already paid {$4600.00} on this loan. I know the longer I have the loan that number will go up, which is why I am desperately trying to pay it off early. 
How is it the interest is paid in full but we are still getting charged for interest. 
Also, I received a letter stating if I bring my account current ( I missed a couple payments last month ) then they will also credit a payment to my account to help. The letter was addressed to me personally, but I was told it didnt apply to me. They used the large payments to cover those missed payments. How are they using that {$1900.00} to cover missed payments when it should have already been applied to my account. So they sent me a false letter. Its as if they are purposely keeping me from paying this horrendous loan off. 
And why when I pay on the principle on the loan, the balance is not going down to where it should be? 
My wife has also called and made several payments ( which includes the {$1900.00} payment ) on my behalf. Now they are refusing to take payments. I once again gave them permission to talk to her about my account And make payments. They still refuse. Why is it she could make payments before and can not make payments now. 
This company is making it impossible to pay off this loan. As with any other loan, when I make over and extra payments the balance goes down and I can pay it off, but with this company, it will not work. 
I cant keep doing these almost {$500.00} payments every month and this loan should have been paid off by now or at least under {$500.00}. Definitely not {$1300.00} and rising daily. 
I also have recording of my wifes conversation with the company refusing to take a payment after I gave them permission. Also, if they can not take a payment from her, then what do we do about the money/payments she made previously? Do they credit those payments back to us? ( They did however, take them from her without me, using my credit card ). 

These types of loans should be illegal!!!!! These companies should not be allowed to do this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Credit inquiries XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, all XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX These are all inquires listed on my XXXX, XXXX and XXXX reports..i have contacted all the companies on numerous occasions also I have contacted all 3 credit bureaus, they are still listed.

Listed below are accounts showing on my reports that SHOULD NOT BE LISTED XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, Caine and weiner

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: CO

Complaint narrative:
On XX/XX/18 I received 1 call at work and 7 calls to my cell phone. No messages left. I answered at XXXX XXXX and told them to stop calling me and my work. They proceeded to call at XXXX, XXXX, XXXX, XXXX and XXXX. Today, XX/XX/18 they have already called 5 times. It's only XXXX XXXX MST. I called it back and it is Conn 's credit. My payment failed 5 days ago. I made a payment today. They call from different phone numbers and never leave a message. They don't state who they are from when you answer. Immediately start talking to you. I interrupted the man who answered at XXXX yesterday and told him to stop calling. They did call on XX/XX/18 as well but only twice. 16 calls in less than 48 hours is excessive. Plus I get emails and text messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: GA

Complaint narrative:
I had an account with XXXX XXXX and my XXXX XXXX XXXX phone broke so I sent it in so they could send me a recovery phone. I never received the new phone and they sent me a letter saying they never received my phone. 
Now Im seeing on my report that I have a {$710.00} collection for said phone Im assuming. 
I ended up switching to XXXX XXXX after that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: CAVALRY INVESTMENTS, LLC
State: AE

Complaint narrative:
CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Earlier this month, XX/XX/2018, The above debt collector called my residence and gave my husband information about my debt. My husband was unaware of this and was not an authorized user or co-signer. I called the debt collector to speak to managment and tell them my rights under FDCPA had been violated and I planned to take action. The VP of the company, XXXX XXXX provided me with the address of their company to submit any paperwork.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XXXX Credit card was closed XX/XX/XXXX and there was a delinquent remark on XX/XX/XXXX from both XXXX and 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 2018-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I was checking my three credit bureaus reports on XX/XX/XXXX and noticed a tradeline unknown to me listed as collections. Company : XXXX XXXX XXXX. Stated Date Assigned : XX/XX/XXXX. Stated Amount Owed : {$1300.00}. To challenge the reporting and compliance on listed account that is being reported on my credit report with incorrect/missing info. Data that appears on terminal screens to credit bureaus centre and collection agencies operators may have masking dynamically applied based on user security permissions. Not based on consumer reporting.This improper procedure is highly damaging to any consumer. Also I am very litigious in small claims court and forwarding today in contacting DEPARTMENT OF BANKING to investigate ACCOUNT RESOLUTION SERVICES. for FDCPA, FCPA also FCRA.

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 2018-07-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I put in a complaint maybe a week ago transworld systems Inc. Were calling and harrasing me from different numbers now they are calling impersonating an I.R.S. agent saying I owed them money and they were filing a case against me to call in and rectify the situation ... the first time I called they didn't say anything the second time I called they had a promted opening this is the IRS I am agent so and so to the end of the conversation so I asked them to pull up my XX/XX/XXXX & XX/XX/XXXX  taxes so they hang up I have the number they called from and the message they left. This is outrageous I don't owe the debt so they are going to these lengths and tactics to get me to agree to the debts so uncalled for and I would like some resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I was shopping around for lenders for a conventional mortgage loan. I did end up finding a more competitive interest rate with a credit union and after letting Waterstone Mortgage know of my decision ( nothing had been formally signed with them ), I was harassed and sent an extremely degrading and unprofessional email. XXXX XXXX ( The mortgage advisor that had been assisting me ) even called the listing agent to try and sabotage my purchase on the home! I do have the email on hand. Horrible way to treat a customer and extremely unprofessional.

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 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
After over 50 years of having Wells Fargo bank accounts, the bank randomly decided to close one of my small business checking accounts. Wells Fargo refuses to provide an explanation other than its a " business decision '' that can not be contested and will not be explained. The account in question has an average balance of over {$10000.00} and has never had a bounced check or a deposited check returned for lack of funding.

This causes a great hardship as I am forced to find a new bank AND I will have to close my other five accounts with Wells Fargo as I will not know when or if they will decide to randomly close these as well. We all know Wells Fargo is a corrupt and crooked operation but I chose to stay with them because of the hardship I would have to move accounts. I live in a small town and banking choices are very limited.

I know there is an active investigation regarding this matter with Wells Fargo and would like my complaint to join this effort.

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 2018-07-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX is listing two separate accounts as in a Charge-Off status. Both accounts have been paid in full. They did not correct their errors when I had requested them to do so.

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 2018-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had USD {$3.00} as balance in my Paypal account and I decided to withdraw it, transferring that to my bank account ( already verified by Paypal ).

The transfer transaction was done by me on XX/XX/2018, according with Paypal it takes from 1-5 days to be the money in my bank.

I received an email from Paypal on XX/XX/2018 informing the money was being transfer and the estimated arrival was going to be in 1 day. 

I have called many times to Paypal costumer service and the answer was just wait that the money could enter to my account the next day. 

Today, it's been almost 15 day and I do not have the money in bank account.

I talked with the bank and they said they don't see any intents of transaction from paypal in my bank account.

Finally I talked again with customer service supervisor and she told me, that now she could see it was Tecnical Problems with the transfers made between XX/XX/XXXX and XX/XX/XXXX, and they do not know when the money could be available. 

Meanwhile I have to pay interest for that money and latefees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Somehow my credit card number was stolen and fraudulent charges appeared on my statement. I contacted Chase to report the fraud, they " investigated '' and sent me a letter stating that I " received value '' from the charges and they denied my fraud claim. I called them back and asked for the proof because I certainly did not make the charges, authorize the charges, or receive anything. They sent me the response from the vendor, XXXX, that shows they shipped four ( 4 ) snow blowers to XXXX Florida and it was signed for by " XXXX ''. My name is not XXXX, I do not live in XXXX and I certainly have no reason to buy four identical snow blowers. I live in Florida ( XXXX, FL ), and it doesn't snow here ... 

This is clearly fraud, but Chase will not refund my money. The Chase account number in question is XXXX XXXX XXXX XXXX. The three charges were placed on XX/XX/XXXX ( {$270.00} ),  XX/XX/XXXX ( {$270.00} ) and XX/XX/XXXX ( {$540.00} ). 

Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12 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: CO

Complaint narrative:
XXXX Credit card was closed XX/XX/XXXX and there was a delinquent remark on XX/XX/XXXX from both TransUnion and 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 2018-07-12 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX Credit card was closed XX/XX/XXXX and there was a delinquent remark on XX/XX/XXXX from both XXXX and Experian.

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