vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have attempted several times to rectify my issue with XXXX  and Transunion regarding a collection account that is showing open from collection agency XXXX XXXX account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with XXXX  and Transunion and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.

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 2018-02-14 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: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
I have attempted several times to rectify my issue with XXXX and XXXX regarding a collection account that is showing open from collection agency AD ASTRA account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with XXXX and XXXX and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fifth Third Bank bought my mortgage from XXXX XXXX  last year. The payment is past due after the XXXX of the month. I pay it through BoA by the XXXX every month, as I have with every mortgage in the past. Every month, Fifth Third calls and wants to put me through an extensive interview process to understand why my mortgage is late. The callers are all from another country, do not understand English well and when I try to explain that it is not late and has NEVER been late, they just keep following their process. This is outright harassment. I looked them up on Consumer Affairs site and they get ONE STAR. I have never seen any company get one star, let alone a bank. My question : " what is your office doing to hold this bank accountable in the State of California? ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I applied for a mobile hotspot with XXXX on XX/XX/2018. I was told to get service with them I would have to pay {$80.00}. I decided I didn't want to go with XXXX but now they send me mail everyday to my address I get this one same letter iny mailbox. Five letters at one time, its the same letter and same reference number. I am just starting to repair my credit and don't want these negative inquiries on my credit account report.

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 2018-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Bayside Capital Services, LLC
State: TX

Complaint narrative:
Bayside Capital keep contacting me about a debt that I know nothing about. They gave me their information but the guy ask me was I'm going to pay it. I replied that I don't have money to give away on a debt that I don't have. They called my phone threatening to serve me. I have the messages on my answering machine and I also have both conversation I had between both guys saved in my phone. Luckily, I record EVERY conversation I have on my cellphone. I explained to them that my attorney has to look into this. The guy went on yelling at my saying I'm scamming these people out of their money. He also said that they will seize 25 % of my earnings. On an account I know nothing about. I work too hard for my money just to give it away so easy. This is the second time this has happened. My next course of action is to get the police involved and file a police report. I'm not going to give up my money to a bunch of scammers. They gave me my daddy 's previous address. We have relocated twice from XXXX XXXX. I do not appreciate these threats. A legal company is not ran like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a mortgage loan through Wells Fargo. I will admit there have been plenty of times I have been behind on my mortgage and this mortgage company have been very patient ; however, I want to begin a fresh new start by providing principal payments when I make a mortgage payment. On XX/XX/ I paid XXXX mortgage. On XX/XX/ I went into a Wells Fargo branch to make a {$500.00} cash payment ; I attached proof of this to this email request. I have called wells Fargo three times requesting a revised account summary with the principal payment showing on my account summary for my personal proof ; for some unknown reason a new account summary have not been created. The most recent account summary statement is dated XX/XX/. My most recent calls to them was today XX/XX/. Would you please assist me in trying to obtain a new revised account summary for me. Thank you.

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 2018-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/18 I tried to make a weekly payment using XXXX with my Fifth Third Checking Account. I received an error saying for security reason, we can not make the payment. 

I called Fifth Third, and they were deceptive saying it's because I changed a phone number on the account. ( I just removed my work number from my account profile ) And because of that, I can not use this account for 30 days. 

I then requested to speak to a supervisor, and she said the same thing ( more deception ). As my frustrations mounted, she admitted that it's because I'm a payment behind on a credit card that I have with Fifth Third, which is beyond abusive. 

I can't believe they can do this legally. Especially not being transparent and telling me truth of matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
American Express Debt Collector XXXX XXXX XXXX. Called me numerous times at work. The following times that the company called me at work are as follows. XXXX, XX/XX/, XX/XX/, XX/XX/ and many more times. I can not receive during my work hours. The debt collector continued to stay on the phone and would not get off the phone. My job here at work is to answer calls from patients, doctors, nurses. This phone call from the debt collector ties up the phone so I can not do my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a debt of {$660.00} to the credit bureaus. This debt originated from XXXX XXXX. I never received ANY form of communication from XXXX XXXX about attempting to collect this debt. I called them today XX/XX/XXXX to resolve the matter. I waited this long hoping would receive some form of communication. When I contacted them, they tyold me my case was being handled by another agency. So they NEVER contacted me, reported it to the credit bureau and sent it to someone else. I contacted that company : XXXX XXXX XXXX. They were very helpful in letting me know I could pay in full or pay half to settle. I wanted it removed from my credit report since I was NOT contacted AT ALL. They informed that only XXXX XXXX could remove it. I called XXXX back and they said NO. They told me they do not have to contact me at all and they can report it at any time. This gave me no opportunity to resolve the matter before it going on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: CO

Complaint narrative:
I have always paid my bill online every month with a bank and they always show that they receive my payment. however, 2 times in the past this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pays to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

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 2018-02-14 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have always paid my bill online every month with a bank and they always show that they receive my payment. however, 2 times this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused late pays to show up on my report. Their website clearly stated when i made the payment that it was made on time initially. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.

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 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: NY

Complaint narrative:
My light bill keeps popping up on my credit report. I opened an account XX/XX/XXXX and theyre telling me that I have a past due balance as of XX/XX/? How is that possible if I havent had an account open until XX/XX/ where is this XX/XX/ balance coming from its over 10 years old its coming from my old account that got transferred to my new account .havent had an account opened in my name since 12 years and five months ago except in XX/XX/, So where is this XX/XX/ account coming from its coming from my old account more than 12 years ago and it needs to be taken off my credit report because its over 10 years its not brand new from XX/XX/ because I didnt open account with you guys until XX/XX/XXXXand you can see that on my credit report from the specific billThat the longest debt on my credit report is from that exact original bill 12 years and five months ago which this isthe account imtalking about. Ive called you guys numerous times Ive called the collection agency also and they dont know about the old account? If theres no previous account then where is this previous balance coming from as of XX/XX/ if I didnt open an account with myself until XX/XX/? numerous times and there told me that they cant find an account that that account from the XX/XX/ balance is being forwarded to so how do I have a previous balance of this amount if I dont have a previous account back over 10 years ago? The balance was {$1500.00} way back over 12 years ago.

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 2018-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I receive a letter from XXXX XXXX about a debt they said I owed. I have no accounting of such a debt being owed to them or the original creditor. So I sent the a Debt Validation letter via Certified mail on XX/XX/XXXX and was signed and delivered on XX/XX/XXXX. To which I never received any response and then today I go onto my credit report on XX/XX/XXXX and see that they have been added to my credit files ( XXXX, XXXX, and XXXX. According to the law they can not report a debt that they never sent a validation for. When I received the letter I sent certified mail a validation letter which they ignored. Now by placing this debt on my credit file they are breaking Federal Law. I expect this to be removed immediately seeing as they are violating FCRA and Federal Law

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 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo, who has already admitted to opening TWO fake accounts in our family members names, recently sent me TWO new debit cards in my name. These cards were not requested, and they are separate accounts from each other and seperate accounts from our personal accounts. These came in seperate mailings, and are further evidence of FRAUD of this bank. We recently bought a home, and we believe that these 2 additional credit cards may have affected our credit score negatively, causing us to have a higher interest rate. My husband and I are furious and disgusted with this bank, and need the authorities to stand up to this fraudulent institution.

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 2018-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I took out a payday loan from this company. I have done so numerous times and their customer service has gone downhill. This is the final straw, as it were. 

On the week of XX/XX/2018, I tried to set up a refinance. I tried XXXX times over the weekend XXXX XX/XX/XXXX ) and kept getting an error when I clicked the " next '' button. The error read : " Failure to render page correctly ''. Monday, XX/XX/XXXX, I tried again on my mobile and on my work computer. The error still happened. I opened the customer service chat and spoke to someone who updated my ID information ( which had expired ) then told me to do the extension again. I did and under her instructions, I did a partial payment for the XXXX of XXXX and extended the loan for the following date XXXX XX/XX/XXXX ). She told me to do the same thing the next time I wanted to extend the loan. 

During the late afternoon of XX/XX/XXXX, I happened to check my e-mail to find a message from CashNetUSA stating that since I did not make the minimum payment of the loan, they would take out an additional {$250.00} on the XXXX which did not fit into my budget whatsoever. By then it was too late to cancel anything so I went to my bank to ask advice on what I should do because this was completely opposite of what the customer service rep told me. 

My bank suggested that I change accounts that way the amount could not be withdrawn but because of this, none of my other planned withdrawals could process. Because of the error on CashNetUSA 's part, my finances have been messed up for at least a month. I am still trying to make a payment to the company who should have taken money out on the XXXX and I've had to go around and change all my information with places I do business with. 

Since the " returned '' payment, CashNetUSA has been calling and e-mailing me incessantly ; they got a hold of my work number and tried speaking to me a little while ago. The e-mail messages keep telling me to contact customer service which I really do not wish to do since my chatting with customer service is what got me into this mess to begin with. 

Instead, I have elected to make manual payments through my bank to their payment address in Texas and I know they have accepted my payment because when I check my account balance, the amount has gone down. I am just tired of the issues I have had with this company and I would not have taken out this last loan with them if I hadn't needed to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
SPS has refused to modify my loan. They offered a repayment plan with a balloon payment in 13 months of XXXX.I filed a chapter XXXX and my debts were discharged, but that are making me pay the all of the back payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I called Carrington Mortgage and was informed they did not know why a recent credit update was not sent to the credit bureau. I was informed to contact the credit bureau. The mortgage shows no more than two months past due and a past due amount. Incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
I previously sent two requests for validation of the debt. Never got an answer from XXXX XXXX. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. As you can see from XXXX 's reporting of this same {$64.00} debt, they show Date opened as XX/XX/XXXX ( the actual date of last activity was probably in late XX/XX/XXXX so the entire amount is no longer collectible and should be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I was struggling to make rent and I got a letter from CashNet USA and applied for and recieved a {$2600.00} loan. I believed at the time that the re-payment would be {$210.00} a month, which was okay with me. However after I recieved the loan they began taking {$210.00} every two weeks from my bank account. I attempted at that time to call and try to set up a different payment schedule, because I knew that every two weeks would be too hard for me. I have managed to pay every month until now, I simply can not afford it anymore. I called again today to try to work something out where I could pay once a month. 

They refuse to offer any other options and when I call to speak with a collector they tell me that i CAN NOT speak with a manager or anyone above them. They are rude and threatening and bullying. How is it possible that there is no manager or anyone at all to speak with? I am not trying to get out of repayment, I am simply trying to figure out a schedule that works so that I'm not constantly going negative and in turn getting charged over and over by my bank. I cant live like this anymore it is destroying my life. 

Also, I have been paying this every two weeks since XX/XX/XXXX and not one of my payments has gone toward my balance, they are only going toward interest. Is this even legal? This was only a XXXX loan and they are making me pay back XXXX!! Is this legal? 

When I spoke to the woman today I asked why this doesnt show up on my credit report because it makes it look like scam and she said 'you should be happy its not on your credit report ''. I have now read many complaints online saying that this loan is a scam and that the APR rates are illegal. I don't know what to do and I am looking for help to find a solution. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation