vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I have sent letters to Bullcity Financial seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How does this company list this entry as data factoring when they are a 3rd party collection company and did not assume the debt prior to charge off? This company did not prove that the statute of limitations has not expired. Where are the documents that reflect my signature? Where are the documents that provide proof of ALL charges, invoices, or slips that prove indebtness to them? This erroneous, unverifiable, inaccurate item should not be reflected on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo refused to honor a check, written on my business line of credit, claiming account could not be found, Check written on XXXX XXXX account, dated XX/XX/2017, amount {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Southwest Recovery Services, Inc.
State: OH

Complaint narrative:
I checked my credit report and see an unfamiliar account. I was given the run around about this account until I was told from a representative that it was from XXXX and they outsourced it to another company in which they are reporting it as a current account XXXX ... .... I did not make progress in resolving this matter as I have no knowledge of this account. 

Original Account Holder : XXXX XXXXXXXX XXXX Current holder : XXXX XXXX Amount : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My pleasure. My name is XXXX XXXX yesterday. I 'm. See into my credit report. My name is error. In my name to. my social is XXXX in my is XXXX incorrect.. Please help me XXXX blessing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
Northwest Collectors Inc. has been calling my job 's main phone number using an automated message divulging information of a debt I supposedly owe for some traffic tickets to the switchboard operator for the company ; who is one of my subordinates ( I have attached the most recent phone recording from this morning ). This has been going on for several weeks. I do n't believe it is appropriate to be calling people 's workplace using an automated system that discloses information that they are a collection company calling about an amount owed for a specific individual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is showing 90 days late with XXXX XXXX. My car was totaled and had GAP coverage. The GAP insurance short paid XXXX, through no fault of my own. They are now chasing me for the money owed by XXXX, which I think is illegal. Now my credit is ruined because of there nefarious actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Account no. XXXX XXXX XXXX XXXX XXXX, XXXX Wells Fargo bank customer since XXXX XXXX, XXXX. 

On XXXX XXXX I received a statement, on XXXX XXXX, XXXX no statement was received. All my payments are sent out on or before due date. ( Please check your records. ) On XXXX XXXX, XXXX, I received a call from a Wells Fargo representative stating, that No payment was received for XXXX or XXXX XXXX. I explained to the representative that, I never received a monthly mortgage statement nor a delinquent notice letter of the amounts past due. I agreed to make payments during our conversation for XXXX and XXXX XXXX, XXXX. In addition, payments was made for XXXX, I set-up an automatic payments to avoid late payments. During our conversation, I continued to explain to the representative that, this should not be reported on my credit report, in which Rep., agreed at the time she will have it not reported and the late payment will be removed, because of no statements were not sent out during this month. 
On XXXX XXXX, XXXX, I yet not to receive a statement from your office. 
I am currently in the processes of purchasing a new home due to damages on my home, due to hurricane XXXX. But, because I have a delinquent notice on my credit report I might not get the loan. The loan officer request that it should be removed immediately. 
Can someone contact me with 2 business days to have this matter removed or I will not seek a new home. This matter shouldve be resolved when the representative stated over the phone. 

Sincerely, 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 monetary relief
Consumer complaint received 2017-10-12 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: CA

Complaint narrative:
Received a voicemail from someone named XXXX XXXX and he claimed to be a process server. He stated that he was going to serve me with summons papers if I did not call the company that filed the complaint. He instructed me to call XXXX XXXX XXXX XXXX XXXX XXXX to prevent him from serving me with the summons at my job. He said if I did not answer the summons I would lose my case. He also threatened to contact my employer and inform them that I had a judgment against me and that I would be arrested. This person also left this exact same message on my mother 's voicemail. I attempted to call the number provided but there was no answer. I have received several of these calls since I was notified by XXXX that my information has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I was charged twice for a fuel purchase that was n't made by me. The charges shown are back to back on the same day in an unknown location to me. This card is specifically used for fuel. The amounts are as follow : {$50.00} invoice # XXXX {$50.00} invoice # XXXX Two days prior I used the card to fill up my tank and then used it the day after these charges when my tank was halfway full. I am an XXXX driver and use the fuel card issued by XXXX through XXXX Bank. I own a XXXX XXXX ( 4 cylinders ) vehicle and in no way can use this much fuel even if I 'm running on empty. Also, the charges show a location in XXXX through something called XXXX Fuel. I never fuel in XXXX! 

Since XXXX was having some technical difficulties with fuel charges not posting on time, these charges were not noted by me until the following month of XXXX. This was XXXX XXXX when a message was received by XXXX apologizing for delayed fuel charges. As soon as I noticed the charges I contacted XXXX to notify them of the error. Their support indicated they would contact the credit card company and I needed to wait. 

It was taking too long to receive a response so I contacted XXXX Support constantly and was asked to be patient. At one point I was that the credit card company had an undetermined amount of time to resolve the issue. I told them by FTC ruling they had two billing cycles or 90 days whichever came first. 

After all these months of waiting, I finally received an email on XXXX XXXX from support telling me the dispute was finalized and denied and that the internal review from the credit card company was confidential. 

I was also told by XXXX they no longer had any control over these charges and were no longer able to assist 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 2017-10-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian reflects way too many hard inquiries, some are nefarious in nature. I have froze my account and advised them that someone has my Soc Sec and other info. Below is inquiries i did not solicit, and they sure did not show up on their own. Someone is looking to get credit in my name, and also affecting my credit. See below.. 

XXXX XXXXd Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ind Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX, inc Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX+ XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX+ Misc.
XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX +

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
unlawful Foreclosure to my home on XXXX/XXXX/XXXX. We were in the process of the modification. Was never given a proper notice of the of the intent to foreclosure. mislead to believe we were working on a modification. My loan with the bank is considered to be a predatory loan, was never given a fair opportunity to work out a repayment program of the modification. 
The bank had postponed the sale date several times and did not gave me enough time and official notice of their intent to foreclose on my home. 
i appealed the offered approved MOD, XXXX XXXX XXXX, the payment offered was too high, and was never given a response to my request and was pushed to repeat the whole Mod process for a 3rd time to then be put in foreclosure. 
I had already gone through the 3 month trial payment with previous servicer XXXX. 
Please help me with this matter. I have hired attorney spent thousands to not get any good results. 
i know the bank and their servicers are acting unlawful. unfair, misleading ... 
thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: AL

Complaint narrative:
Republic Finance calls me everyday, sometimes twice a day and never identities who they are in their voicemails. Addirionally, they call from a different phone number every time they call. Most recently before inquiring about a debt collection, they offered me an additional line of credit as if they were masking the reason for their call. In addition to repeated phone calls, they 've also begun calling me at work as well as calling my family members. I do n't know how they got my brother 's cell phone number because I did NOT give it to them. That is unacceptable. I 've missed XXXX payment. XXXX! They 've called me every single day for a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc.
State: OH

Complaint narrative:
I had a medical bill which was XXXX XXXX XXXX 's Hospital for {$1200.00}. XXXX XXXX 's gave me a 50 % discount if I paid it by XXXX XXXX XXXX, Which would make it {$640.00} so I went ahead and paid it. Then I got a bill from Global Receivables Solutions , Inc . I called them and told them it was already paid and they should contact XXXX XXXX XXXX Hospital about this, I also contacted XXXX XXXX 's and told them about Global Receivables. I have called over XXXX times about this mater to get it resolved, XXXX XXXX 's says I do n't owe anything but Global Receivables wo n't stop calling me I keep telling them they should contact XXXX 's but they get rude, the last time the man hung up on 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 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2017 XXXX XXXX Equifax- I have and evidently continue to have major problems with the soc alled credit reporting agency- last year I placed a Security freeze implemented by XXXX on all three reporting agencies which proved useless and causing me severe financial harm. I then had the Security Freeze removed directly by Equifax staff only to have it reestablished when they were hacked as a free offer by them.! The now send me a letter explaining they can not install the freeze even though they offer it and they did not secure my personal financial and private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Bank in question : Wells Fargo Tuesday XXXX I have been a wells fargo customer for 10 years, not that it seems to matter. 
I deposited a check via mobile deposit. 
When I went to see where the funds were they said there was a hold on the check because of " fraud ''. I asked for more information but they declined. I then went to the clients bank that gave me the check, they said the check was good and the money had already been debited out of her account. I spoke with multiple associates who told me multiple different things, one said the fed put a hold on it, another said the check image eas bad. The issuer of the check and her bank even tried to rectify the situation with wells fargo but they still wouldnt work with us. Then we were going to cancel the account but could n't because they had already taken the money! After this an Executive Wells Fargo supervisor told me they would be charging me a {$12.00} fee if I the issuer cancels the check. The systen will run the check again on the XX/XX/XXXX of this month and when I asked them not to do this they refused, and said I didnt have a choice, then I filed a complaint and when I asked for a copy of the complaint the executive said No. So what is to keep them from deleting my complaint and any record of the transaction and forced fees if I was to seek legal action? This is absolutely un-ethical. 
Thank you for your time!

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 2017-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
Hello Consumer Financial Protection Bureau? I am XXXX XXXX, I am Writing to You All about trying to apply on Several attempts, To apply for a Payday loan at Ace Cash Express. The first time was On XXXX XXXX XXXX. I was turned down due to mistakes on a credit report. Then, I wrote and asked them what happen on the application? They then, wrote to Me again and told me to apply One more time at the same place. I did what they told me to do over the Phone. I applied two times in ONe day? I still was turned down. Then I called the Corporate Office on XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXe. Told me to wait on the Certified Letter coming in from her? I did. It came in on XXXX XXXX XXXX. I stated I did not owe them anything so I should NOT have any trouble reapplying for my loan. I waited Until the day, of XXXX XXXX XXXX. I went to the store on XXXX XXXX here in XXXX Tennessee. She then said where is the Letter, I gave it to her, and She laughed at Me. She then, took the information and told me to write all of it down. I did again and fill out the loan application to get started with. I did? She then told me to write on the application my full name address and how much of the loan I qualify for. She then said, Ok? then 2 pieces of Paper come up and she told me, My XXXX XXXX You do not qualify for a loan. I then asked here why? She told me that the XXXX pulled up some derogatory information that was in the computer at the time. I told her my score is XXXX and why are you all using a POS machine on a Payday loan anyway. I did not know we had to have very good credit in order to receive a payday loan. That should not have happen on the third time around. She basically pulled information up so she would deny me of the loan. I then told her, Let me speak to the Owner or the manager. She then told me to leave, because the owner is not here, and I needed to get Out '. She had ran a credit check on me without, My permission or telling me this information. Then they would not let me speak to anyone on it. Calling the texas office, did not help either. they said she did what was right from the start. I do not think Pulling Up a credit Report without, permission or even asking me before hand was Right. This is how I was turned down for the Loan in the first Place. She called me today and asked me to go to other places To Reapply, I said No, I may report this to someone. It is unfair to Me. I do not have anymore gas to go and reapply at the same place or even another store. She then Hung up the phone. I think this is just wrong to do customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have had issues with Navient off and on for the last 5 years. Recently, I began a XXXX program in a XXXX XXXX where all of my loans entered deferment. I am taking XXXX credits full time and last month I did not owe anything. Now, they are saying that I owe money this month even though my payments are on deferment. I also can not get a job as I am in school all day all week so I do not have time to have a job. XXXX, at the current moment, is my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC
State: CA

Complaint narrative:
Received this voice message to my phone : Yes Hello this is XXXX XXXX with the Weinberg mediation group and I 'm trying to reach XXXX XXXX XXXX XXXX We have sent you correspondence and attempted to contact you on a matter involving your name and Social Security number but have received no response from either yourself or your attorney regarding this matter we have decided to reach out to you 1 last time to give you the opportunity to be be compliant and give your statement of intent to our office please be advised we do not hear back from you today I will no longer be able to assist you on a voluntary resolution contact the office back immediately at XXXX good day.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: WV

Complaint narrative:
XXXX XXXX XXXX XXXX has XXXX tax liens listed on my TransUnion report with an address of XXXX, WV. I live in XXXX, WV and that is where I have filed my income both federal and State for the tax years listed on these accounts.

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