vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a call from a XXXX number that left a voicemail. The voicemail states that I committed a crime by actively deceiving a financial institution and that a complaint was filed. That if I did not respond it would mean my automatic refusal. I called the number back and a XXXX XXXX answered. He looked up my number, and asked if the information was correct. then he stated he was an arbitration officer and that they were asked to arbitrate an agreement for payment of a debt, and that I had to make payment arrangements today. if I did not then they would file a suit against me. when I asked for written validation he stated that they were not able to do that without me making a payment. He said he could not send anything in writing until he had my credit card information and a payment was arranged. When I asked for further information he repeated the same. he said I was not allowed to contact the original creditor at all. when I requested that he allow me time to validate the debt with the original company and to validate his right to collect such debt he said that they would have my drivers license suspended and have my car registration renewal blocked if I did not get this handled today. He never once identified himself as a debt collector. never once said the call was recorded. never truthfully identified himself. he refused to validate anything in writing. now when I call the number back it goes to a busy signal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted Equifax on Tuesday, XX/XX/2018 after I viewed my credit report and found addresses that did not belong to me. The representative that I spoke with said that the system was down and I would have to call back which is hard being that I work long hours and can not make phone calls while I'm working.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I opened a {$6000.00} line of credit with XXXX flooring on XX/XX/2018. I was told I would not have any payments due until the next month. Initially, my account was supposed to be with XXXX XXXX, but it was changed to XXXX   without my permission. I was against this from the beginning because of the negative consumer reviews on XXXX, but could not afford to pay off the entirety of the loan at that time. I received a bill the next week from XXXX. When I called questioning the month grace period, they said I had opened the account just before the start of their billing month so I would be responsible for the immediate payment. On this call XXXX, I confirmed the last day I could pay the balance on full to avoid the 29.9 % APR. I was told I needed to pay the full balance by XX/XX/2018. I made regular payments greater than the minimum amount due. When I called on XX/XX/2018 to pay off the {$1500.00} balance in full, I was told I had accrued an extra {$490.00} in interest. At no point was I verbally made aware of the interest charges, the date I would start receiving interest, the fact that residual interest would be charged, nor did I ever sign any documents from XXXX acknowledging these agreements. XXXX has not worked with me one bit on any of these charges. The fact that they tout themselves to individuals with less than stellar credit as a way of getting out of debt is shocking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS CLAIMING I OPENED ACCT IN XXXX WITH NO PROOF OF TRANSACTION DISPUTED WITH CREDIT BUREAUS AND WON BY STATING MY DISPUTE MEETS REQUIREMENTS, AS OF TODAYS DATE XX/XX/XXXX XXXX XXXX IS STILL REPORTING FALSE CLAIMS ON MY CREDIT REPORT AS COLLECTIONS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX NMLS ID-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Company still reporting debt I do not owe to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had my Capital One buypower card for some time now. I am a responsible customer that makes timely payments. When requesting a credit increase recently I was denied with the only reason on the letter being " credit line increases are not available at this time upon request for this type of account ''. I called Capital One to try to get some clarity on this very confusing wording and reasoning but the representative simply said what was already on the letter, she just kept repeating that sentence and said there was no way for anyone to manually check out the account and why it was not eligible. Now this type of wording is very confusing because am I to assume that credit card accounts are not able to have credit line increases? The type of account it is is simply a credit card and I am not familiar with a reasoning of credit line increases not being available for credit cards. This interaction with Capital One was absolutely absurd and the fact that I can not get anyone to manually look at this and explain why I was misled into getting a credit card that is not eligible for credit increases is simply unheard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: NC

Complaint narrative:
Please consider this a formal notice and complaint for the harm caused by XXXX, Experian and XXXX on my file. I have discussed with a credit reporting attorney and he has clarified to me that all 3 credit reporting agencies have failed to follow the compliance requirements of the Metro-2 format. I am writing this because I have attached a letter that describes the non-compliance that is evidenced by the 3 credit reporting agencies.

AND PLEASE UNDERSTAND THAT I AM ON XXXX AND HAVE A HARD TIME PURSUING THIS!!!!!

I HAVE CONTACTED A SPECIALIST AND I AM FILING THIS ON MY BEHALF. I DO NOT WANT ANY STALL TACTICS PERIOD!!!

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 2018-09-05 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In XX/XX/2018, I sent in a pay for deletion confirmation letter from the bank XXXX XXXX XXXX XXXX ( XXXX ) to the credit bureaus of XXXX  and equifax, which explained that myself and the creditor had a agreement that was completed in which the account would be deleted in exchange for my payment. The letter is valid and stated completion and if I wanted to speed up the removal process I should send to the reporting agencies. I sent to the credit bureaus but XXXX  and equifax never deleted it, their response was " verified ''. But i never received anything in the mail that was a copy of the verifiable proof they got from the said creditor to keep the account on my report. These types of practices by the reporting agencies are illegal, 609 federal law fcra. 
Also after not noticing any changes on my credit report, I sent in a new dispute stating the XXXX account was absolutely not verified and valid as a current account, legally. I needed to receive proof of verifiable documents, signed consumer contracts, etc. for this account to remain and again, got another response saying its still verified with no proof sent to me. The credit bureaus have my current address and contact info, they are just being a XXXX XXXX XXXX XXXX. This said account being left on my account is not only unfair but it is unjust. My report has been improperly handled which has affected my ability to obtain further credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: AZ

Complaint narrative:
I'm trying to pay off a loan balance of XXXX ( loan seq XXXX ). I made two payments onXX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. The payment on XX/XX/XXXX does not appear anywhere on the loan transaction history for that loan. CFPB nor XXXX acknowledged what happened to my XX/XX/XXXX payment on my previous complaint. Additionally, why are the highlighted payments going to Interest only? Payments made should be going to principal and interest. Please see highlighted attached and reverse each payment and apply to both principal and interest. This is highway robbery. XXXX XXXX should be investigated for their payment practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: NC

Complaint narrative:
Please consider this a formal notice and complaint for the harm caused by XXXX, XXXX and TransUnion on my file. I have discussed with a credit reporting attorney and he has clarified to me that all 3 credit reporting agencies have failed to follow the compliance requirements of the Metro-2 format. I am writing this because I have attached a letter that describes the non-compliance that is evidenced by the 3 credit reporting agencies. 

AND PLEASE UNDERSTAND THAT I AM ON XXXX AND HAVE A HARD TIME PURSUING THIS!!!!! 

I HAVE CONTACTED A SPECIALIST AND I AM FILING THIS ON MY BEHALF. I DO NOT WANT ANY STALL TACTICS PERIOD!!!

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 2018-09-05 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: NC

Complaint narrative:
Please consider this a formal notice and complaint for the harm caused by Equifax, XXXX and XXXX  on my file. I have discussed with a credit reporting attorney and he has clarified to me that all 3 credit reporting agencies have failed to follow the compliance requirements of the Metro-2 format. I am writing this because I have attached a letter that describes the non-compliance that is evidenced by the 3 credit reporting agencies.

AND PLEASE UNDERSTAND THAT I AM ON XXXX AND HAVE A HARD TIME PURSUING THIS!!!!! 

I HAVE CONTACTED A SPECIALIST AND I AM FILING THIS ON MY BEHALF. I DO NOT WANT ANY STALL TACTICS PERIOD!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 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: TX

Complaint narrative:
On XX/XX/2018 XXXX  submitted a hard inquiry on my credit report on behalf of the XXXX XXXX XXXX XXXX. I did not apply for credit authorize a check, nothing even remotely close. It is on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I transferred money from my IRA to my checking account both at Bank of the West. BoW failed to transfer the funds and wrongfully dishonored three checks. B o W did reverse fees but refused to compensate me for costs incurred and damages suffered.

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 2018-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Bank funded more than the car loan was supposed to be : XX/XX/XXXX - purchased a car from a local dealer using a USAA loan - Dealer sent correct purchase information to USAA for the balance due of {$22000.00} XX/XX/XXXX - Loan shows up on my USAA account for {$5000.00} more : {$27000.00} - USAA admits the dealer sent over the correct amount and that the error was on USAA 's side - The only option USAA is giving me is to : a. Take out a new loan with USAA for the correct amount, which they will use to pay down the original incorrect loan ( yes, a new loan application and everything that goes with that, including reporting it to the credit companies ) b. USAA will then ask the dealer to refund the {$5000.00} sent in error c. Once the dealer refunds the money, USAA will pay off the remainder of the original loan USAA is insisting that I have no other option. They said they will let the credit agencies know what happened, but that doesn't chance the issue with a loan in my name that I did not authorize. 

Do I have any recourse to get them to correct the loan without leaving the extra {$5000.00} loan in my name pending the dealer 's refund?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My XXXX XXXX cards 2 of them are not reporting the correct balances. I owe a lot less than what is being reported.

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 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My XXXX XXXX  cards 2 of them are not reporting the correct balances. I owe a lot less than what is being reported.

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 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My XXXX XXXX  cards 2 of them are not reporting the correct balances. I owe a lot less than what is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc.
State: IL

Complaint narrative:
company sent a letter stating i owed for a traffic ticket the letter stated that if i wanted to dispute the ticket i was told by miss XXXX i could not dispute the charge i read to her the part in the letter that stated i could dispute the debt then she asked me why i wanted to dispute the charges i toldher that this did not apply to meshe said that this involved a XXXX and a XXXX i told her i have never owned a XXXX   or a XXXX  then she gave me the last 4 of the social and date of birth i told her that was not me then she asked me if i had a son was i senior or a junior i told her that i was not the person who she was looking for she got rude and indigant and hung up this company needs to correct their records and be punished for their actions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My monthly mortgage payment has been the same for the over 4 years since closing, ( with a variation of plus or minus {$20.00} at the most, due to insurance/taxes variations ). Since closing on the home, the mortgage has been transferred to several different companies, without me doing anything, which I understand is normal. Again- throughout the entire 4 + years, my monthly payment dues have been relatively consistent. 
XX/XX/XXXX, Wells Fargo acquired my loan from a company called XXXX XXXX. It is now XX/XX/XXXX. Up until now ( XX/XX/XXXX ), my monthly payment requirement has not changed. Upon going online to pay my payment for the month of XX/XX/XXXX, the amount due has now increased ~ {$150.00} EACH MONTH!!! After numerous  calls to Wells Fargo, to attempt to resolve the issue, I have been instructed to just pay it and they will " review '' my account ... Their explanation is they have decided that they need 2 + months " cushion '' in my escrow account ... ( why now, why all of a sudden? ) ... at this rate, this provides them with roughly {$1800.00} per year " cushion '' in addition to what has worked fine for over four years ... NONE of the previous mortgage companies that have held my mortgage have ever required this, nor had an issue with the monthly amount paid. Wells Fargo could have easily, and should have done some kind of assessment of the account NINE MONTHS AGO when they acquired the account from the previous company, and notified me of their issue then-not just out of the blue increase my payments unjustifiably almost a year later!!! I checked and verified increases in my homeowners insurance/flood, and taxes have only increased approx {$160.00} ( homeowners ) {$30.00} ( flood ) {$20.00} ( tax ) = $ XXXX/year. That's only an increase of ~ {$18.00} per month, NOT ~ {$150.00}!!! 
When someone purchases a house, car, or other major expense, they purchase according to their budget. With an additional ~ {$150.00} per month expense, this is NOT part of the original budgeted amount for a mortgage payment. In my opinion, Wells Fargo is attempting to regain funds lost in their recent lawsuits and frauds. Literally blindsiding families on a fixed budget with a SUBSTANTIAL monthly increase will not only lead to late fees, but foreclosures ... .This company needs to be put out of business for this latest unethical tactic. 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 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is a response to a previous complaint submitted regarding my credit report not having a FICO score and showing me as deceased. Transunion is now requesting a copy of my DOB. How does this company operate on a daily basis? TranUnion has my  date of birth and deceased date as the same date XX/XX/XXXX. Are they disputing that I was not born on XX/XX/XXXX. 

Additionally after not having a credit score for so long they decided to give me some random score of XXXX? I don't have any lates, derogatory information and have a lot of accounts with low balances or no balances for the purpose of maintaining a higher score. My FICO with XXXX is XXXX How did Transunion come up with XXXX? Also why are they requesting a proof of DOB?

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 2018-09-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against EXPERIAN. This is regarding the XXXX ACCOUNT ref # XXXX. This account was disputed to Experian on two occasions. This items has been been disputed to other bureaus and was already removed by Experian. It was re-inserted on my credit report without notifying me. I did not receive any notification in any form. Aside from that, this account is being reported with incorrect balance, status and inaccurate payment history which violated FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief