vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
I received a credit report notification for a new account and it was a debt collector. Not only have I never received a bill from the original creditor for any amount owed. I never received a notification of this debt from the debt collector therefore I could not dispute this debt. I am very certain I do not owe this debt as I have never received any bill, nor notification. Furthermore I believe this violates the Fair Debt Collection Practices Act section 15 U.S. Code 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
We are currently living in a hotel situation vouchered, we been threatened with the selections ive made including damage to credit, future locations and privacy. 

We have filed for bankruptcy, and do not have any money or discussion with anyone since XX/XX/2012 on how we can altleast get out of the violence from tbe housing crisis On numerous occasions including today, we have no resilience against the money received and recently stolen from us from a place were we only use for luggage sleeping bags and food storage. 

We had about XXXX stolen from us in just seconds. 

No reciepts no identification, harrassed hassled in public and private area were we pay for privacy ... each address is never kept safe of confidential, no cooperation on anyones part. 

XXXX California, we currently are working on changing our unit but each time there's an issue with controversy. 

I would appreciate if atleast someone can help us get the money from those who stole it, while were we only using places for sleeping bags, luggage storage and food storage. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: NC

Complaint narrative:
I was unaware of the said debt and was not notified about the debt. The debt appeared on my Equifax credit report on XXXX XXXX, 2017. I immediaetly filed a dispute and neither Equifax nor the debt collector was able to provide me with debt validity. This collection was also removed from both XXXX and XXXX as well because the company was unable toshow proof of the account. Equifax responded to my dispute by stating that it was verified by XXXX XXXX XXXX. I did recieve any inforation concerning debt from Equifax or the collection agency. This account is reporting negativley on my Equifax report and causing me credit issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
XX/XX/2017 I applied and was approved for a XXXX credit account through TD bank. However, my purchase was not allowed by XXXX due to what I understand to be a fraud block. I received this information from TD bank and it was later verified by XXXX. In multiple occasions I was told that the back office handles these issues and someone would get back to me. It 's been over 45 days and I was finally told today that XXXX was unable to verify my information. That 's odd because I was never contacted for verification of anything. I was told that this was done through a computer system. This makes no sense to me. The computer system is what blocked the account in the first place. Meanwhile, I have an account in my credit report that I ca n't use. This appears to happen a lot as several people have posted on the XXXX forum and have yet to see a resolution. My order number is XXXX and the issue number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a Kohl 's charge card where an unauthorized transaction occurred for XXXX on XXXX/XXXX/2018. The individual purchased a XXXX thermostat and had it delivered to their address in another state ( Texas ). I  received an email confirmation showing what the purchase was and that it was shipped for delivery. When I saw where it was going I immediately called Kohl 's customer service. They advised me that it would be put in dispute and that the card used would be closed and a new one would be issued. A few days later I received more emails from Kohl 's advising account changes had occurred. I called Kohl 's and asked what was going on. They advised me since I am not the primary I could n't open a fraud case it would need to be my spouse who is the primary card holder. So the transaction was never placed in dispute and the fraud analyst asked what I had done to have the individual charged. When I first called I alerted Kohl 's that I have the persons name and address and that I want them charged. They are trying to put it on me when it was their lack of security that caused my account to be compromised. I do n't think I should have to do anything and that the transaction should be canceled out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Prizm Financial Company, LLC
State: KY

Complaint narrative:
I have already filed a complaint with the company through here once already. They have one employee that continues to harass me and threaten me. The company has already responded to the original complaint through here and the employee continued to harass me. So I reached out to the supervisor and they advised me that the employee would be removed from my account. Im not even 30 days late on my payment and the same employee that the company advised me would not be allowed to touch my account put my car on the repo list and advised me to surrender now. He is very unprofessional in the way he conducts business and the way he continues to go against company orders and harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo had taken the payments I made using their online Bill Payment system and duplicated the payments. When I viewed my account it now showed me as overdrawn because their system showed double the money taken out due to the duplication. The bank did not advise me this was occurring. I did not find out until I went to pay for my dinner and the waitress advised my card has been declined. 

I called into Wells Fargo and had to spend two hours on hold for them to advise me they had a " Glitch '' and it would correct itself by XXXX. 

I was financially harmed as I had to charge my dinner onto a credit card ( paying interest ) to cover my dinner. Money that should have been available to me for use.

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 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Never lived at the address where service was billed was not my account

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 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In XXXX 2017 by balance was XXXX. I sent Capital One a payment of XXXX dollars. This would bring by balance owed to XXXX. I then noticed charges that brought by balance over my card limit to XXXX!. I contacted them and my card was refunded to XXXX. I requested a check not thinking much of it because I figured they new what they were doing. By balance then increased up to XXXX, then down to XXXX, now its back to XXXX. Over 10 hours on the phone and I am still not done with this, I since sent tin payments of XXXX, XXXX, and now XXXX to cover what I do owe them. I don not want my credit ruined but I also should not have to pay any more for there mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received an unsolicited credit card from CBNA/Sears and it shows a balance of {$67.00} that is now showing up in all three credit bureau reports as a new account. I received the card in the mail and called them immediately to cancel it. They told me that they did. I did not apply for a credit card, I did not purchase anything for {$67.00}, so this is a fraudulent transaction.

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 2018-01-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is a very difficult bureau to deal with the associates are very condescending and sarcastic and like to tell you they dont have the ability to fix any issues as per a conversation I had with a experian agent on XX/XX/XXXX and she hung the phone up on me as well .... 

Issue is they had a account listed in chapter XXXX however the chapter XXXX bk was deleted because it was not accurate, the had a account from a company called XXXX XXXX XXXX ACCT # : XXXX WITH NOW A BALANCE OF {$810.00}, problem is EXPERIAN had this account for 4 years listed with the notation : INCLUDED IN BANKRUPTCY however I called the company and they said that they did not give experian that information and thats inaccurate, Ill have a letter in a few days that I can upload stating this fact, from the creditor aka data furnisher ... when experian removed the notation they have incorrect data of FP on dates that is not accurate and they can not and will not verify, I asked them to delete the file due to false reporting on their part and not able to retrieve accurate information on a sabotaged file, they should have removed it asap

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 2018-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Main Street Personal Finance
State: LA

Complaint narrative:
XXXX XXXX in XXXX XXXX, has called me as a collection/private agency between XX/XX/XXXX threaten me and my family member saying they have cops on the way to serve me paper to have me arrest. Looking up my father information his social security, and giving it over the phone to other. tell my family they have them subpoena to testify on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have applied for CHASE credit card and was approved. I used the card for a month or so and next thing I know after I logged in to my online banking that my account was closed. It is completely understandable that each party can close the account at its discretion but reasonably. I called the customer service to find out why the only answer was that I would get an explanation letter in the mail. I did eventually get a letter that explained that the account was closed to to previous unsatisfactory relationship. I called again to figure out what was unsatisfactory about my overall relationship but never got a response. I am under impression that my race ( I am of XXXX descent ) played a role in their decision making as I have never had unsatisfactory relationship with Chase. If I had unsatisfactory relationship my account would have not been approved in the first place. I tried looking for some answers by googling and searching on forums but could not find relevant information. Up until today I have not been provided with at least some details as to why and how my relationship was unsatisfactory with CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
While reviewing my credit report I noticed a credit card in bad standing that I was unaware of. Upon contacting the original credit company they stated that the debt was sold to XXXX XXXX. I have disputed this debt multiple times and have not come to a resolution. When contacting the credit collection agency I have requested statements and other documentation that they were unable to provide. I was directed back to the credit card company who would also not supply information stating that the collection agency now has all information. The debt collection company and the credit card company both are unable and unwilling to provide me any information about the debt but will also not remove the account from my credit report. XXXX XXXX has since deleted this debt from my Credit report, however XXXX or Resurgent is not willing to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My original loan was $ XXXX in XXXX with XXXX XXXX. After graduation I was not making enough to repay the loans so I deferred and had many forbarences, continuing to grow interest. Fast forward to XXXX, my loans have doubled. I went back to school in XXXX because I was still not making enough to repay the loans, {$600.00} per month is what was required. I am no longer able to defer or go into forbearance. 
XXXX XXXX XXXX claimed they would consolidate/refinance my federal loan and had this GREAT offer for me! Income driven repayment {$54.00} per month the first year, it would gradually increase over the years, and by the XXXX year the rest of the loan would be forgiven. They sold my loan to XXXX, turns out it was a 20 year loan and nothing will be forgiven. The person who set this up, XXXX is his name, lied to me, and I trusted them. 

Now, I still have $ XXXX with Navient. I am currently on income driven repayment at {$240.00} per month. Next year that will go up. I am still barely able to make these payments. 
I tried looking into the lawsuit against XXXX XXXX XXXX, and tried to get in on that class action lawsuit because I fit right in with that group of students who were promised a large salary job and it never happened. 

Any help or advise I can get will be greatly appreciated! 

XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am not sure when this contract may of been written and I have NOT RECIEVED ANY DOCUMENTION OR CALLS DIRECTLY. They have called my XXXX - however, he would not be the account holder. 

I 'm requesting for this debt to be removed from my credit report immediately. The dates listed on XXXX XXXX do n't match - XX/XX/XXXX. 

I 've been covered on another cellular plan for the past 3 years - therefore, I do n't think this debt is mine. 

I am trying to move on in life - but, these types of debts are holding me back. 

Thank you for your consideration to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX I started the process of applying for a loan with Big Picture Loans. I had decided I was n't going to go through with it so I did n't call them to finalize the loan. They put the loan through anyway. Plus, I did n't get informed of the very high interest rate until after the loan was processed. The loan was processed on XX/XX/XXXX for {$970.00}. I have paid {$570.00} to them since that time and the loan company says this is interest paid only. I ca n't afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
On the following dates, I have received automated phone calls from XXXX to my cell phone : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Researching this number in XXXX  identifies the caller as State Collection Service , Inc . In one instance, an automated message was left on my voicemail. I have never given State Collection Agency permission to contact me at this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: MD

Complaint narrative:
Not really sure about trans union credit scoring compared to the other 2 credit bureaus, they have the same things, same dates, same information, yet they are almost XXXX points different with XXXX, and XXXX on XXXX, there 's not difference on all three reports, same information, I called transunion and was told it 's a different scorning system. The problem is I have tryed to get financing and all the vendors use transunion, it 's affecting my livelihood, there should not be that much different in the scores, you ca n't have a A rating with one a B with another, and a F with transunion, they have to be some what close, I understand there might be some differences but not XXXX and XXXX ... they would not answer my questions, and told me it 's not there problem and nothing they would do about it, my score has dropped from a good score to a XXXX in the last few months with no reason..all they had to say my name had a XXXX on it and I told they I am not a XXXX, they would check and let me know by mail that 's was over 45 days ago, but no help on the difference on the credit score, I am going to talk to a lawyer about this my credit is very important to me as I am self employed ... 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 2018-01-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Below sent to Bank in PDF letter To whom it may concern, on XX/XX/XXXXI got an alert via email that a debit of XXXX from a XXXX XXXX in XXXX, FL came through my chase checking account at XXXX XXXX. I was confused as I was home in XXXX and never go to a XXXX XXXX. I immediately called the Chase customer service number provided n the email, once connected I begged the rep to cancel my debit card, only to be passed to another rep who asked me the same questions. During the inquisition two more debits came through my account from a XXXX in XXXX, at this point I begged the rep again to cancel my debit card. Finally he did, but to late as nearly 1000.00 was out of my account. A claim was filed with the fraud department with chase. Keeping in mind this all started at XXXX XXXX. I was assured it would be investigated and researched with these merchants. I looked up the XXXX store number indicated in the debit transaction, I was able to file a loss prevention claim with XXXX XXXX. The store manager for that location did verify my debit card was processed for two amounts of 400.00 plus, when he checked with his front desk clerk, she confirmed someone purchased gift cards? He said once the police or my financial institution contacts the store, he would provide all information and video footage. To my surprise and dismay, no investigation or research was done by Chase. I received an email on XX/XX/XXXX stating the money would not be credited to my account. I called the claims line immediately and was advised it didnt warrant research. After begging and crying the rep re-opened he claim to a higher level. Then notifying me via letter on XX/XX/XXXX it was denied again. I myself called XXXX XXXX who confirmed chase has never investigated. I am disgusted that as a customer this is how I am treated. I live in XXXX and have never had any transactions in XXXX, in addition who spends nearly 1000 at a gas station? Also you have proof I was on the phone with your reps during the two transactions. I have the right for this to be researched properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
fraud transaction XX/XX/XXXX XXXX XXXX, business to business act csi - payments XXXX. XXXX fresh product {$700.00}

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 explanation