vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Acct :  XXXX   XXXX   XXXX   XXXX  Payment was iniatted and completed o n  XX/XX/XXXX .    XXXX  Internal transfer occurred in approx.   XX/XX/XXXX  Auto paym ents were disabled, due to unkown reasons.   XXXX  Customer,  XXXX   XXXX , reported difficulties making payments.   XXXX  Other payment attempted for varying amounts but were not successful. We believe that  this may be a  wells fargo system issue. Attempts to clarify with Wells Fargo were non-conclusive to date.   XXXX  Currently, the account is is collections and has adversely affected th e credit score of both the owner (   XXXX   XXXX   ) and the guarantor (   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 non-monetary relief
Consumer complaint received 2017-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I pay every month  XXXX  for now over 2 years and am not charging anything. I only go in t he Lowes store to make my payment. Lowes is con tiuing to add late fees and finance charges. The only time I have been late was  XXXX     2017  instead of    XXXX   XXXX  ,2017 .    Lowes have called me on my private telephone until I reported them the first time. I have all of my payment receipts and the monthly bills I should be refunded moneys because I was misled and Lowes employees was n't aware of the time limit for suppose promotions.I know that I am not the only consumer that is having these problems from Lowe 's. I am having me dical problems and  XXXX  is all that can pay for these times.   I need for cfpb to take some actions and soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-03 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I called for an extension on my car loan in XXXX 2016 and was given false misleading and the incorrection procedures. <P/>I am in receipt of your response on the CFPB portal stating that my dispute of items in my credit report was Denied. I am upset that Chrysler Capital would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. <P/>1. Your representative never told me about an email if I was told when I didnt receive this email I would have called back. <P/>2. Your rep stated that you emailed a jmoore email address. I dont have an email address that starts with jmoore YOUR REP ADMITTED THIS FAULT ON YOUR END!! THIS IS YOUR ERROR! <P/>3. You state that you report information accurately then you state that you are not a credit reporting agency and that you have no control over the contents reported by the CBA, this makes NO since its clearly states that you are reporting me late for something that Is CHRYLERS ERROR! Again you are at fault because I was given False and misleading information and now you are FALSELY REPORTING THAT I WAS 30 DAYS for these months AND It 's NOT TRUE! My mother is XXXX XXXX XXXX XXXX, and you are causing me great heartache over something that is not my fault. At this point, I am highly upset about your dishonest business practices Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America Closed our account because they said we deposited fraudulent check. We did not. We went to XXXX and got a letter from the bank proving the check was good. When we did, they said the check was cashed. BofA said they did not at first and even if they did they could keep the funds because of fraud.When we went back with proof they said " we do n't want your kind of business and your account is closed and if there are any funds we may mail them back to you. And hung up the phone. I have been disconnected 3 times now trying to find out what is happening. XXXX. This has been going on since XX/XX/XXXX. We asked to file a complaint and was told there was no one to complain to and it was finial. Check amount was for {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
Professional Adjustment Corp. SW FL Inc is reporting a negative account to XXXX and XXXX that I do not owe them. I have asked them for validation of debt and they responded by sending a bill from XXXX XXXX that does not contain their company name anywhere, does not have my signature, or an original contract. A bill does not count as validation of a debt. Because they have failed to validate the debt I would like this removed from my credit. <P/><P/>Also, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX HARD INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: NM

Complaint narrative:
Experian is not responding to any of my numerous requests to investigate, verify and remove  XXXX  account from my credit report that does not belong to me. They are not responding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc.
State: CA

Complaint narrative:
I work for XXXX, XXXX, XXXX XXXX XXXX, XXXX. We are a XXXX XXXX XXXX ( XXXX ) firm with XXXX offices and over XXXX employees. This debt collector RSI Enterprises calls our XXXX XXXX, California office daily. I work for our corporate office as well as our XXXX office and I have contacted this company weekly for the last six months asking to have the telephone number removed from their list. When I answer the call it is always a recording and leaves the telephone number ( XXXX ) XXXX as the call back number. I have spoken with several individuals explaining this is a business they are contacting not someone 's personal and/or home phone, and each time I 've given them our main number ( XXXX ) XXXX and the XXXX number ( XXXX ) XXXX, requesting to remove the number from their list, last call on Friday, XXXX XXXX,2017. Today, XXXX XXXX, 2017, the call comes through again, I call the XXXX number above and the male individual by the name of XXXX becomes agitated as I stated I am going to report this business as I 've requested several times to have our business number removed from RSI calling list, as we do not know who they are looking for and it is quite annoying and frustrating to receive these calls so frequently. He became irate and spoke rude and aggressively. Upon checking XXXX XXXX #, he said this number was removed on XX/XX/XXXX, hmm that 's strange. I said yes it is, and if you keep reading you will see I 've called several times to have this problem corrected, and yet RSI continue to call our office, why ca n't someone from this company remove our number so that we can STOP receiving these calls. If you call XXXX 's numbers listed above, you can confirm we are a legitimate business and RSI should be competent enough to successively remove our business number from their list. He hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The credit union closed my overdraft account without consulting me. They send me emails to apply again, which keeps going against my credit. I keep on getting denied.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: MD

Complaint narrative:
I paid for credit monitoring services with Equifax to access my report and score. The last time I was able to access my file was on XXXX XXXX, 2017. However, after I started disputing items on my file as fraudulent, I was unable to access my file. I was told that a copy of my drivers license and social security card was needed. I sent my drivers license and social security card in to verify my identity. I also called, spoke and confirmed with a personal solution representative for the product I purchased with Equifax that my driver 's license was received and verified. I have been paying for the service but not able to gain access to my credit file or score. I have been told several times that my file was escalated to another department and that the problem would be fixed in 7-10 business days and everytime I called back it was the same response " It will be escalated check back in 7-10 days ''. As of today X/X/2017, I have cancelled my service because I am unable to access my file and score that I have paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
I signed up for a gym membership with XXXX XXXX and thought I signed up for a 12 month membership and found out later it was a 24 month membership. Subsequently, I had to return to XXXX to care for my mother who was having XXXX XXXX issues. I attempted to cancel my contract as I was moving out of the country and to my knowledge there are no XXXX XXXX in XXXX XXXX. I was told that I can not cancel my contract and would be responsible for the entire contract balance. <P/>The account is now with mgc and the balance continues to increase and I can not figure out why. This is criminal that mgc continues to tack on fees and additional charges to my account and currently I have a balance of {$500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
I am being abused and harassed by a debt collector from over 10 ( ten ) years ago! A judgement was entered against me in XX/XX/XXXX for a credit card debt that they bought from another company. The name of the current debt collector company is Hiday & Ricke , P.A . located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. The phone number is ( XXXX ) XXXX. The website is https : //hidayricke.com. The CEO is Attorney XXXX XXXX XXXX I sent them a letter dated XX/XX/XXXX offering to settle the debt for {$500.00} after I was sent a subpoena in XX/XX/XXXX to appear for deposition on XX/XX/XXXX. The debt collector sent me a letter back dated XX/XX/XXXX offering to settle the debt for {$1000.00} and to also send me a satisfaction on judgment. Unfortunately I did not have this amount at the time. In XX/XX/XXXX twenty-five ( 25 % ) of my wages were garnished without warning. As of today XX/XX/XXXX a total of {$5500.00} has been garnished from my wages. This debt collector refuses to settle the debt and instead wants me to pay them a grand total of {$15000.00}. If they were willing to settle the debt two years ago then why cant they make the same offer? My last communication with them was XX/XX/XXXX where I mailed a letter to the CEO of the company as well as sent to him on XX/XX/XXXX. He expects me to satisfy the full debt amount. You will see in my attachments how this is unfair and deceptive business practice on their part without mercy and regard for the consumer and my stressful condition!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Im very upset at Select Portfolio Servicing. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I right now have sale for home on XXXX XXXX, 2017 at XXXX I still to this day can not get a loan modification they always denying my loan modification. Please help me with this. I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. I have sent them all documents for packet of loan modification. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I opened an XXXX XXXX card issued by Barclays in the summer of XX/XX/XXXXin order to purchase from the XXXX XXXX and receive points for it. <P/>Unfortunately, one year later I had a housing crisis and called Barclays to enter this credit card into the Financial Hardship Program. The account was closed, my interest rate and minimum payments were lowered and the late fee was waived. I successfully completed the program in one year and began making regular payments until I paid the entire balance a few months ago. <P/>However, when I started shopping around for a refinance on my student loans, I noticed that I was getting denied due to " excessive late payments. '' I pulled my credit reports and noticed that Barclays listed this closed account as 30 days late for six consecutive months ( XX/XX/XXXX XX/XX/XXXX) after I entered it into the hardship program. <P/>If I had known that my account was going to be marked late, despite paying on time on the same day for an entire year and AFTER enrolling in the hardship program, then I would n't have joined a " hardship program. '' I 've disputed with XXXX, XXXX and XXXX multiple times - online and in writing - as well as directly with Barclays. They keep saying that the reporting is correct despite the documents and payment statements ( all directly debited and accounted for from my account ) the contradicts their assertion. <P/>I 've asked them to correct my account status or explain how they 've come to their conclusion, but they refuse to do the first and refuse to explain the latter. <P/>This account has been closed for over a year and the balance has been paid in full, so I have no interest in acquiring a Barclays card or co-branded card after the run-around I 've received from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
I have a loan with Flagstar Bank for my mortgage. I did make payment on my property taxes and for my flood insurance for XX/XX/XXXX. I paid {$5300.00} for property taxes. Flagstar paid the taxes at the same time as I did. They are now increasing my monthly payments from {$880.00} to {$1700.00} a month. It is an extraordinary jump. Furthermore, I am a single mom, and I frankly can not afford this. I need to be contacted immediately to see how I can rectify this. This is payment, effective as of XX/XX/XXXX. Please contact Flagstar at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposit {$170.00} cash into a U.S. Bank to fill an XXXX Checking account. The machine prints out a ticket instead stating " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contac ... ''. <P/>So I contact, the woman from U.S. Customer service totally denies responsibility on the machines, and tells me to call my bank. <P/>I call XXXX, and they say, nothing we can do, call the ATM Bank. <P/>This is where I am right now. <P/>The exchanges above and their quickness to throw blame to the next one over was literally that quick. First things they said. <P/>I am complaining, because, at least one entity in this charade should care to return that money to me. <P/>I have the ticket. The code on the top right is XXXX The number to call is XXXX. <P/>Thanks so much. I hope to get this money back. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have received my TransUnion credit report, on this report show a company XXXX, that show a last payment made on XXXX-2009 to this company, this is past the 7 years statue of limitations, which is the last time I had XXXX was in 2009. I have ask Transunion to remove the the item from my report due to it over 7 years past. I have sent letters and the credit bureau keep sending back has verified, will not tell me method of verification, and I know that the statue of limitations is 7 years from the last payment date, this should be removed. This is my complaint for Transunion credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
For the past year and a half, Kohl 's reported my information improperly and noted my social security number incorrectly with  XXXX . This caused an undue hardship and numerous denials because the social security number was listed incorrectly by Kohl 's. Upon getting this corrected and later discloswed by the   XXXX    representative, after a year and a half of problems, I am now able to get into my credit report. The matter was resolved in a payoff and has caused irreparable harm. I ask that Kohl 's remove this matter in order to avoid further injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: SC

Complaint narrative:
My report is stating that the accounts is charged off and closed. The accounts that I 'm referring to is with  XXXX   XXXX   ( No  contract with ),  XXXX   XXXX  and   XXXX   XXXX  . I reached out to Transunion several times no account validation and account removal. This company is causing me financial hardships as it 's reported on my credit which is making it difficult for creditworthiness. I would like this item deleted of my credit report in fairness of my rights with the law and regulations of the 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 explanation
Consumer complaint received 2017-07-03 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: SC

Complaint narrative:
My report is stating that the accounts is charged off and closed. The accounts that I 'm referring to is with  XXXX   XXXX   (  No contract with ),  XXXX   XXXX  and   XXXX   XXXX  . I reached out to  XXXX  several times no account validation and account removal. This company is causing me financial hardships as it 's reported on my credit which is making it difficult for creditworthiness. I would like this item deleted of my credit report in fairness of my rights with the law and regulations of the FCRA.

Company response to consumer: Closed with non-monetary relief