vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Oracle Financial Group LLC.
State: OH

Complaint narrative:
I was contacted by a man from Oracle Financial Group LLC that said he was an attorney. He stated that I owed $ XXXX with XXXX XXXX. I knew about the debt. I had stated to him that I had fell on hard times at the time and was struggling to stay above water. He kept threatening me with a law suit being filed in my local county court and that I was looking at wage garnishment and or possibly jail for Fraud. He threatened and bullied me into agreeing to give him my debit card information that now has my account way overdraft. He was short with me one rude on the phone. I am a truck driver that works many many hours away from home. I kept getting the harassing calls all hours of the day while trying to rest so I could continue driving to support my family.i had even requested for everything in writing and mailed to me. Nothing was mailed at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bank is once again playing games with the way that they charge overdraft fees. They used to allow items to come through their system and charge you 1 OD fee for all transactions. Now they have changed their algorithm and are charging one XXXX fee for each transaction. I recently was charged XXXX dollars for 3 items that came through. One year ago they allowed the largest dollar amounts to come through 1st and charged 1 XXXX fee. Now they let all the smaller items come through and the larger items after and then charge you XXXX for each item after

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: IL

Complaint narrative:
AFFIDAVIT OF THEFT & ROBBERY BY CONSPIRACY I, XXXX XXXX XXXX purchased a bus ticket from XXXX XXXX XXXX XXXX, location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas, for {$180.00} on XX/XX/2019 with my XXXX   XXXX  Debit Card. After purchasing the ticket I became ill and could not travel. I contacted XXXX to request a refund and or a credit, and they refused both. Two days later I contacted my bank of my debit card : Comerica Bank XXXX XXXX XXXX, XXXX XXXX XXXX MC XXXX XXXX TX XXXX ( XXXX ) XXXX, I filed a dispute with the bank on XX/XX/2019 by mail and received a letter response from the bank on XX/XX/2019 informing me that they could not find an error and would not reverse the charges. I do not agree with having to pay for a product or service and not receiving the product or service. Please help me identify what authority these two entities have to not return my rights and property. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX has taken money from my account without authorization TWICE. I agreed to a catch-up plan with this company because I was one payment behind on furniture rental. The verbal and written authorization was for the amount of XXXX. Instead, XXXX XXXX ran the payment from my account for XXXX on XX/XX/19 which was not the amount that we agreed upon. This overdrew my account because I had only enough money in the account to cover the amount of the payment. They refunded the money to me but did not cover any overdraft fees even though they were the reason for my overdraft fees The second time was today, XX/XX/19. I chatted with an agent named XXXX and I agreed for another catch-up plan to start on XX/XX/19 for the amounts of XXXX and another payment to be taken on XX/XX/19 for XXXX. These were to be my final two payments for the account and they were to be taken from my XXXX XXXX acct. Today ( XX/XX/19 ) they took payment for XXXX from another account and I did not authorize that. I have screenshots from the chat that I conducted with XXXX and I explained in the chat that the last fiasco that we had resulted in overdraft fees and that I was not able to make this months payment. This is a horrible business that lives to takes its customers money. Just because it caters to consumers with. not so good credit does not mean that we can just be taken advantage of. I WANT MY MONEY BACK and I plan to file a dispute with my bank. This is craziness and I need it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX SEC # XXXX DOB XX/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 2019-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KS

Complaint narrative:
onemain financial scammed me when I refinanced a loan with them. My previous loan had unemployment insurance I agreed to so when I refinanced the new loan the loan officer stated you still got the insurance and said we will sign all documents online so we can whisk through them and get you outta here. The whole purpose of refinancing was to try to get extra money and lower payments. Loan officer stated that I could only get {$100.00} but the new payment was lower. After all was done I left the business and was told all documents will be emailed to me. I looked at the documents the next day and realized there was 4 different insurance  policies attached to the loan that totaled around {$900.00}. This was never explained to me and knowing that I could have received the money in my pocket instead of being added to my loan. I feel this is an unfair practice and should be reported and let consumers beware.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I was contacted by a man from XXXX XXXX XXXX XXXX that said he was an attorney. He stated that I owed $ 2000+ with Ace Cash. I knew about the debt. I had stated to him that I had fell on hard times at the time and was struggling to stay above water. He kept threatening me with a law suit being filed in my local county court and that I was looking at wage garnishment and or possibly jail for Fraud. He threatened and bullied me into agreeing to give him my debit card information that now has my account way overdraft. He was short with me one rude on the phone. I am a truck driver that works many many hours away from home. I kept getting the harassing calls all hours of the day while trying to rest so I could continue driving to support my family.i had even requested for everything in writing and mailed to me. Nothing was mailed at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I tried to send money to my brother through XXXX to pay for the car note since it was the fastest way. This was my first time using XXXX through Wells Fargo and there was nothing stating that you couldn't get your money back if you sent it. The transaction was on the XXXX of XXXX. XXXX asked for my brother 's number and his first and last name ( XXXX XXXX  ) .Turns out my brother gave me the wrong number ( XXXX ) which I zelled the money to. My brothers number is XXXX. We realized it was the wrong number after the fact. We called on the XXXX since we thought XXXX had a wait time. We filed a claim and we didn't hear back until the XXXX. Wells Fargo stated that they couldn't do anything about it at all. I've tried contacting the person that my brother sent it to but got told that they didn't know what XXXX was. My question is why does wells Fargo and all the other big banks use XXXX if it's not secure. Wells Fargo didn't say that XXXX was said and done no matter what when I first pulled it up. Is there anything I can do to get my XXXX $ back?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I went to cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off. I've contacted the FTC regarding this and also the police. I'm doing this on my own. XXXX XXXX  XXXX XXXX XXXX, XXXX, US DEP ED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I went to cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off. I've contacted the FTC regarding this and also the police. I'm doing this on my own. XXXX XXXX XXXX XXXX XXXX, XXXX, US DEP ED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/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 2019-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello and Good Evening, I was advised to reach out to you all about some things on my credit that is not mine. I went to cosign for my mom on a car and my mom and I was denied because of me. There are some things on my credit that is not mine and that needs to be taken off. I've contacted the FTC regarding this and also the police. I'm doing this on my own. XXXX XXXX XXXX XXXX XXXX, XXXX, 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 explanation
Consumer complaint received 2019-06-01 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I started disputing the collection account with IQ Data on  XX/XX/2019 with each credit bureau. I asked them to make sure that everything was reporting correctly for this account or to delete it if they couldn't validate this account. Each credit bureau responded saying that everything was reporting correctly. I then sent a letter out to each credit bureau on XX/XX/2019 advising them that they did not verify this account  thoroughly because the open date was reporting incorrectly on each bureau and that there was no way this same account was able to be opened on 3 different days, the account number was reporting differently on each bureau than what the collection agency had, the amount owed showed something different than what the original credit and the collection agency advised it was. I asked for this account to be deleted from my credit report because it was inaccurate and also because it violated my consumer rights under the FCRA, to this day this information is still inaccurate and the account is still on my credit report which again is a violation of my rights. FCRA states that any information on a consumer credit report must be accurate or it must be deleted from the credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
( Additional documentation available ) My mortgage was transferred from XXXX to NewRez XX/XX/2019. The last statement I received from XXXX showed {$530.00} was due by XX/XX/2019. I also received instructions from XXXX stating the amount owed was to be paid to NewRez after XX/XX/2019. 

The first statement from NewRez showed {$570.00} was due by XX/XX/2019. The amount included a fee of {$39.00} labeled Overdue Payment. No late fees were listed on the statement from XXXX. 

On XX/XX/2019, I phoned NewRez. I spoke with XXXX who informed me the charge originated from XXXX. On XX/XX/2019, I phoned XXXX. I spoke with XXXX ( ext. XXXX ) who confirmed my payments were on time. XXXX stated the fee was for something else then said it was for something entirely different by the end of the call. I informed XXXX I was given no notice or anything in writing stating I owe additional fees. 

On XX/XX/2019, I mailed a certified letter to NewRez requesting the late fee be removed from my account. I included a copy of the last statement from XXXX proving no late fee was due. I have not received a response at the time this complaint is being submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTOR BUSSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation