vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
Ok theXX/XX/XXXX Transferwise which exchanges currency and funds. Advertised a new borderless account that you can use to transfer money and pay bills with in different currencies. I exchanged Pounds sterling into dollars {$600.00}.

I was told several times by Transferwise staff that payments can be debited and bills paid.

When I made the payment on the XX/XX/XXXX. The money {$600.00} was returned because Transferwise changed there mind and decided not debit any account even though I was told I would. Because I was using that money to pay my credit card those funds were past due and my account is in delinquent significantly decreasing my credit score. My credit card company charged me {$110.00} cents in late fees and interest charges. I was told via phone on Saturday XX/XX/XXXX by a member of Transferwise called XXXXXXXX XXXXv that any late charges of fees will be reimbursed by Transferwise for any inconvenience caused. Also I filled a complaint and no one returned my calls. I called 5-6 times and yet my complaint was ignored and Transferwise refused to honor the pay even though they said they would. Transferwise has misled me through false advertising and refuses to be accountable for there mistakes

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Last year after the whole XXXX  data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

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 2018-03-20 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: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.

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 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rodenburg LLP
State: ND

Complaint narrative:
This relates to complaint XXXX. After I filed the complaint, I got a letter from XXXX XXXX indicating that the account " was charged off due to delinquency onXX/XX/XXXX. '' The Rodenburg Law Firm falsely represented in court pleadings that it was collecting on behalf of XXXX XXXX XXXX XXXX, when XXXX XXXX  has already charged off the debt.

The XXXX XXXX  Letter went on to say that the " XXXX XXXX   Card account ... was ultimately included in the XX/XX/XXXX sale to XXXX XXXX XXXX XXXX ( XXXX ). '' And admitted that " XXXX XXXX  no longer owns the rights to this account. '' Question : How can a bank claim a tax write-off one year, and then sell an asset that has already been written off the books the following tax year? That seems like fraudulent tax reporting, if not fraud itself.

Is the sale of an unsecured debt legal AFTER the creditor ( in this case, XXXX XXXX XXXX XXXX ) has ALREADY written off the debt for tax purposes?

At any rate, XXXX XXXX of the Rodenburg Law Firm ( XXXX, ND ) falsely represented to the court in legal pleadings that she was collecting on behalf of XXXX XXXX XXXX XXXX, when XXXX XXXX XXXX, according to itsXX/XX/XXXXletter, has no involvement in this debt collection whatsoever. That seems like both fraud and attorney misconduct, as well as a false representation in legal pleadings by XXXX XXXX  and the Rodenburg Law Firm. When I left a message with the Rodenburg Law Firm about that fact yesterday, no one called me back. And when I tried to call them this morning, they disconnected the call before I could even speak a word ( likely because they saw who it was on their Caller ID ). But the Rodenburg Law Firm is committing fraud on the court and making false representations in pleadings.

And, they filed a false response to the CFPB, which violates 18 U.S.C. 1001. I read the company response. They didn't ask me for the last four digits of my social security number ; they demanded the ENTIRE SSN, as well as my date of birth ( neither of which I am required to give under the law, especially to a debt collector on a fishing expedition ). They lied, so don't take their word for it. Rather than rely on their response, subpoena their tapes of telephone calls ; they state that ALL of their calls are being recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
Ideal collections is still not going by the law they are trying to collect a debit that was done by identy theft, i have attached a police report they are asking for a fraud affidavid as the police stated this does not exist please read report. I have now gotten a lawyer and i am not nor will i provide them with my ID my identity was alreadys stolen, this will be the last attempt to have them remove this or the Law offices of XXXX XXXX in XXXX will file suit, i have never gotten a debit collection from these people this has been over 6 years this is now harrasment and extortion again i have a police report. Last chance to remove or XXXX XXXX wil take over

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the following unauthorized inquiries from my Equifax credit report : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Port Folio Recovery Associates- Harassment They have continuously call me at least 3 to 4  times a day from various numbers. Sometimes it is from an unknown number, but now they have representatives using their own personal cell phones. They call and immediately hang up. Once you call back, they will identify themselves to discuss a debt, but will not answer your questions. I tried contacting them at XXXX and the representatives are just as rude. Their immediate response was they have not call my number since XX/XX/XXXX. DO NOT TRUST THIS COMPANY!!! This company is relentless!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: KY

Complaint narrative:
Got multiple calls from this agency at inconvenient times. I told them I would call when it was convenient for me, they continued to call. I looked at my credit report to see who ERC was calling on behalf of. I finally called them back, they person in whom I was speaking to started off in a regular tone, after me asking multiple questions the customer service rep started to be rude. I asked the rep once I paid the amount owed would something be sent to me so that it could be taken off my credit report, I was assured that a letter would be sent to me once payment was received. The rep went on to take my payment and told me that I would have to pay a convenience fee in order to take my payment. I told the rep that I've never heard of such a fee and that i didn't feel that that was fair. After heavy sighs from the rep and talking in circles about what the fee was for, I reluctantly paid XXXX. My bill was XXXX and I had to pay a XXXX convenient fee. The whole conversation was draining and I was so confused and felt I had been taking advantage of.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I purchase an item from XXXX XXXX XXXX, they sent me the wrong item, i sent it back. when XXXX XXXX received the return i called them and told them not to send my refund back to my card, they sent the refund back to the card anyway. I inform the company that i closed my account with my bank. The company inform me that the deposit of XXXX was put back on my card. I call the bank and inform them that XXXX XXXX put the deposit back on my card. The bank told me that once an account is closed the deposit get automatically get sent right back. I called XXXX XXXX and informed them what the bank told me, they told me to give the XXXX thirty days to get to them. I called XXXX XXXX after the 30 days was up. XXXX XXXX informed me that the deposit did not come back. they told me that the deposit of XXXX was put back on my card on XX/XX/XXXX. I called the bank and ask them to give me the date they sent the refund back so i could give it to XXXX XXXX, they told me that they do not give that type of information. I told the bank to call XXXX XXXX with me on the phone and tell them what they told me, so they did. I informed the bank that i want to speak to the supervisor. I explained to the supervisor what happened, she told me that she can see when the deposit came in and mailed out, i ask her could i have a copy of that, she told me that she could not do that.I explain to the supervisor that the deposit was sent while my account was closed.

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 2018-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Our Mortgage loan # XXXX was bought out by Lakeview Loan Servicing , LLC inXX/XX/XXXX. XXXX XXXX  handled it previously and paid my County Taxes inXX/XX/XXXX My escrow account has been charged twice for that now. {$1600.00} was paid XX/XX/ and {$660.00} was paid in XX/XX/. When the new company ran my new escrow analysis it shows another tax amount due in XX/XX/ of {$1600.00}. This is not due nor paid and caused a huge shortage in my escrow. Which in turn caused me to pay extra every month. I have a ticket number where I sent payment receipts in for taxes and I opened the issue with Lakeview. That is # XXXX. It's now XX/XX/XXXXand I have called more than 10 times. I get the same answer of its being processed and a new date everytime. Please help.

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 2018-03-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliance Group & Associates LLC
State: CA

Complaint narrative:
They have repeatedly called from phone number ( XXXX ) XXXX asking me to verify my last 4 of my SSN. I asked her to identify the company she is calling from and what is was regarding. She would not tell me. Finally she said she was calling me regarding a payday advance I took from  2008 that I never paid. Which is false. I asked her to send me something in writing so that I could properly verify the claim which she refused. The debt she said I owed never showed up on my credit report as an outstanding debt during the process of buying my first home. I told her to please stop calling and she then became belligerent saying they would be taking me to court as well as ruin my credit. This company then started calling my husband and other family members saying I was in legal trouble and started requesting my work phone number and wanted them to verify my SSN and DOB. This is a HUGE violation and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
The company I bank with, Wells Fargo, won't stop posting and clearing debit transactions that I have already paid for. For example, if a valid purchase is paid out of my checking account, Wells Fargo re-runs the transaction 1-1/2 to 2 weeks later and sends my account into massive overdraft.

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 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: ND

Complaint narrative:
This relates to complaint XXXX. After I filed the complaint, I got a letter from US Bank indicating that the account " was charged off due to delinquency on XX/XX/XXXX. '' The XXXX XXXX XXXX falsely represented in court pleadings that it was collecting on behalf of US Bank XXXX XXXX  when US Bank has already charged off the debt. 

The US Bank Letter went on to say that the " Platinum Visa Card account ... was ultimately included in the XX/XX/XXXX sale to XXXX XXXX XXXX, XXXX ( XXXX ). '' And admitted that " U.S. Bank no longer owns the rights to this account. '' Question : How can a bank claim a tax write-off one year, and then sell an asset that has already been written off the books the following tax year? That seems like fraudulent tax reporting, if not fraud itself. 

Is the sale of an unsecured debt legal AFTER the creditor ( in this case, U.S. Bank XXXX XXXX ) has ALREADY written off the debt for tax purposes? 

At any rate, XXXX XXXX of the XXXX XXXX XXXX ( XXXX, ND ) falsely represented to the court in legal pleadings that she was collecting on behalf of U.S. Bank XXXX XXXX, when US Bank XXXX, according to its XX/XX/XXXX letter, has no involvement in this debt collection whatsoever. That seems like both fraud and attorney misconduct, as well as a false representation in legal pleadings by XXXX XXXX and the XXXX XXXX XXXX. When I left a message with the XXXX XXXX XXXX about that fact yesterday, no one called me back. And when I tried to call them this morning, they disconnected the call before I could even speak a word ( likely because they saw who it was on their Caller ID ). But the XXXX XXXX XXXX is committing fraud on the court and making false representations in pleadings. 

And, they filed a false response to the CFPB, which violates 18 U.S.C. 1001. I read the company response. They didn't ask me for the last four digits of my social security number ; they demanded the ENTIRE SSN, as well as my date of birth ( neither of which I am required to give under the law, especially to a debt collector on a fishing expedition ). They lied, so don't take their word for it. Rather than rely on their response, subpoena their tapes of telephone calls ; they state that ALL of their calls are being recorded.

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 2018-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: WA

Complaint narrative:
Lending Club erroneously reported my XX/XX/XXXX payment as late to the credit bureaus a total of four times. My monthly obligation is {$600.00}. In XX/XX/XXXX, I paid after the due date but within the grace period. Lending Club erroneously charged me a {$23.00} late fee even though I paid within the grace period. I spoke with a Lending Club representative and was told the fee would be waived. Following that, they reported the XX/XX/XXXX payment as late for the {$23.00} late fee. They corrected their error in XX/XX/XXXX but since then have reported the XX/XX/XXXX payment as late again three more times : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Lending Club also corrected the XX/XX/XXXX and XX/XX/XXXX errors ; I now have a dispute in with XXXX for the XX/XX/XXXX reporting which I submitted yesterday. The trend is that Lending Club reports this erroneous information to the credit bureaus every 2.5 months. I am attaching emails from Lending Club confirming that they have corrected each of the past three errors. I want Lending Club to stop repeatedly incorrectly reporting my XX/XX/XXXX payment as late which, of course, negatively impacts my credit score each time they do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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:
Equifax is improperly reporting credit history to lenders when making a loan inquiry. This has happened with two lenders showing a blank, or zero credit history. I spent a collective 4 hours on the phone with them while they denied the problem, and refused to help or investigate. I have a decade of loan history with 7 account all paid properly and need this rectified asap so I can complete my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CITYWORTH MORTGAGE LLC
State: NC

Complaint narrative:
I first applied with CityWorth Mortgagae and was denied at a sale price of XXXX. Months later the brother of the company owner, lead Mortgagae assistant, XXXX XXXX called me and informed me that I was actually preapproved for a loan up to 189,000. This company had interest to do this process and later chokes on three separate closing dates. I go to learn from the owner of a possible scam maybe forming after I give up close to {$1300.00}, and driving to another state where CityWorth Mortgagae are located in Virginia to pay for home appraisal where the owner denies CityWorth of rising the price on the loan for an extra {$1000.00} around closing where closing attorney where expectations of the owner, his choice of real estate and myself. Once time to close the company thence ignores us all and I nevertheless got no refund nor return on any monetary I have which today continue to place me in the homeless veteran category for months up to today because of the scam done to me. This occurred XX/XX/2017 with again three closing dates that never occurred. I am currently homeless and this company has put me behind and displaced and I am still pleading for a return of my money thats honored to me for my XXXX from service of 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