vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: IL

Complaint narrative:
I have received a collection notice from Linebarger Goggan Blair & Sampson for {$18.00} for License # XXXX. Their office confirmed that this is for tolls incurred in XXXX via Florida 's XXXX XXXX. In the time I have owned this vehicle and had this license plate, it has never been near XXXX. The office is uncooperative and unwilling to adjust the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
XXXX Account Transaction [ XXXX ] Sales Order XXXX Customer CodeXXXX When I purchased the bedroom furniture from XXXX XXXX XXXX in XXXX on XX/XX/2018 I was advised that I would have NO annual fees or added interest if I paid off the furniture within 12 months. Since, I have incurred interest and finance fees which I am very upset about. I could have purchased the set without using a credit company since I already have credit cards. I was advised by the sales rep to utilize this method to build my credit more for other purchases in the future. I have yet to receive a signature page where I agreed to these enormous fees the only page I signed was agreeing to the purchase and to receiving the furniture. So in essence, receiving broken furniture twice, mattresses with no railings, and missing engagements and giving up my Saturday afternoons has been the worst experience I have had buying anything in my entire life. To boot, I did not receive the bed until XX/XX/2018. My charge total should only be {$990.00} but I now owe almost {$1300.00}. That is almost {$300.00} more than I intended to spend. Buyer BEWARE of XXXX XXXX XXXX and the lie of no fees or interest if paid with in 12 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: NY

Complaint narrative:
Report # XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed with them FORTY DAYS AGO ever since XX/XX/2018. Because they have gone way past the 30-day legal deadline and can not verify the account, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified. '' which includes the account I have disputed. 

Please resolve this matter ASAP. Thanks in advance.

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 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
Debt Recovery Solutions was on credit report for {$340.00} when tried to get mortgage. I phoned the company to get information on this so called debt was screamed at and demanded that I pay that day. Called back again with no better luck. I have disputed the information and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
I signed up for service after a XXXX search. XXXX XXXX  was listed under paid section. I put in a contact submission form and they called me later that day. I was instructed about what they would do and I agreed. However right at the end the sales person asked me if I was married. I answered yes, he said great you can add your wife and no additional fees would apply. I said great, next thing I know is a credit card charge for double the amount came through. I called three times each time on phone for over two hours on hold. The fourth time I just called credit card company to dispute. Then I but in a contact form on XX/XX/XXXX to cancel service. They didn't respond until after the XX/XX/XXXX three days after another months charge to cancel. So they want to charge me again for another month and my wife as well. Total scam process. But since he is a lawyer I guess he will get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I went to Wells Fargo Website to open Checking Account and when I finishing completing the application I receive the following message and email Skip to main content Sign Off Customer Service Locations Apply Home Search Thank you for submitting your application, XXXX. 
Print Wells Fargo Everyday Checking Application Reference Number : XXXX Status : After carefully reviewing your request, we have determined that we can not approve your application for this account at this time. We will mail you a letter explaining this decision within approximately 3 business days. 

If you have questions, please call us at XXXX, Mon - Fri : XXXX XXXX XXXX XXXX, Sat Sun : XXXX XXXX XXXX XXXX  Pacific Time. 
Wells Fargo Bank, N.A. Member FDIC. 

About Wells Fargo Careers Sitemap Privacy, Cookies, Security & Legal Online Security Home Ad Choices Report Fraud XXXX - XXXX Wells Fargo. All rights reserved. XXXX ID XXXX When I contact the above number a young man name XXXX Answer indicating that he or his unit can not explain why it was denied that I would have wait for letter in the mail now I have a reference number and they should be able look it up but they can not please investigate this bank and online services and ensure that system is working legally and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulation

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 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
No action was tooking by this company and also try to get in contact with a senior adviser but no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: FL

Complaint narrative:
They are keep calling to my work. I don't think is appropriated. is constant, I already told them, I can loose my job if the keep calling,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WELLS FARGO DEALER SERVICE had pulled an unauthorized inquiry on my credit report. I did not do business with this company, not did I asked to have my credit report pulled. 

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ''

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 2018-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I borrowed {$190000.00} from Quicken Loans/Rocket Mortgage to refinance the mortgage on my condominium. The loan closed on XX/XX/XXXX. I checked with the County Recording Office and Quicken recorded a mortgage on XX/XX/XXXX for {$190000.00}. The problem is that the original mortgage has not been cancelled. Right now it looks like there are 2 mortgages on my condominium. I contacted Quicken and they told me that there is nothing that they can do about it. Quicken provided the closing agent for the Loan. Why hasn't the original loan been cancelled and the mortgage marked satisfied? Did they pay off the first mortgage?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: TX

Complaint narrative:
I was contacted by LTD Financial, a debt collection agency on XX/XX/XXXX advising that they were attempting to collect a debt of over {$7000.00} on behalf of XXXX XXXX, used on a credit card issued in my name for a business I formerly owned. I informed them I had no knowledge of any such debt as I had never requested or received a credit card for this business. They indicated the card had been sent to an address that I have never lived at in a city I have never lived in. Furthermore, any accounts associated with the business were closed by me in XXXX, I requested validation of this date. On XX/XX/XXXX, I sent a certified letter again disavowing any knowledge of this debt and asking for verification, to date it has never been received or acknowledged. I contacted the originator of this debt in person at a branch in XXXX TX on XX/XX/XXXX, I spoke with XXXX XXXX who advised he would contact the fraud department and have documentation sent to my address, this never happened. I contacted XXXX XXXX by phone on XX/XX/XXXX and spoke with XXXX XXXX, the manager for the XXXX branch, who advised he had submitted the complaint to the fraud department and they would contact me within 3 business days, I have not heard from anyone. On the same date I spoke with a representative over the phone named XXXX, who advised she was unable to assist because the system would not allow her to do anything. I sent a certified letter to XXXX XXXX on XX/XX/XXXX, disavowing any knowledge of the debt and requesting validation, to date I have not received anything. I have notified all 3 credit bureaus of this theft identity, and made completed a identity theft report with the FTC. To date there has been nothing reported on my credit, however, on XX/XX/XXXX I was contacted by a second collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
They keep on sending me a notice out on an old loan debt past 7 year 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 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I owe a debt from an apartment community after moving from XXXX  to XXXX  and having to cut my lease early. I left XXXX   in XX/XX/2016 and immediately began getting numerous phones calls from this collection agency called ProCollect. I have called asking for a notification of my debt so I can have an account number and pay by making payments, however, this company employees people who are extremely rude, use offensive language, have threatened me if I don't pay the full amount upfront, and don't give me any information yet expect me to give them my credit card and social security number over the phone. I suspect this company practices as a scam or at least dishonestly with their customers. I don't feel safe giving over my financial information to a company who doesn't honor their customers rights. I don't appreciate being yelled at as well as hung up on anytime I try to work something out with these people.

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 2018-03-21 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: CA

Complaint narrative:
I received a letter from IC System dated XXXX demanding payment of {$100.00} for a debt owed to a company called XXXX. The account number they assigned is XXXX and the IC XXXX number is XXXX. 

I have attempted to contact IC System by phone but the number provided in the letter goes to a vacant voicemail trunk and there is no other phone number provided. 

I was a stay-at-home mom when my children were small. They are adults now and I have not had children of daycare age for quite some time. Additionally, I have never had an affiliation with XXXX and do not owe money to them. This has not curbed IC System from attempting to collect on this " debt '' that I do not owe anyway. 

What further steps do I need to take to prevent this from hitting my credit report? I have a 800+ credit score and the last thing I need is some scam artist dragging that down. Any help you could provide is greatly appreciated.

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 2018-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Lender Inc
State: TX

Complaint narrative:
I paid my account off on XX/XX/2018 and I am being told that it would take 10 to 14 days before I get my funds back on the account. This excessive time frame was never disclosed. When closing an account out at a bank it does not take 10 to 14 days. Typically a bank will give you your funds the same day the account is closed. I called an asked for an explanation of the 10 to 14 days and no good explanation was given. According the to the person I got on the phone the bank has some sort of things they need to check on the account which does not make any sense. Rep could not explain any thing further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XXXX, an unauthorized charge of {$440.00} was made to my credit card account. I called Chase to file a dispute on the amount, which they said they were going to investigate ( I imagine because I told them I knew who did it, that my dispute must have been redirected to a department that does not care, I'll explain more on that later ). I received a letter in the mail 2-3 weeks later asking for more info, which I believe I then sent through a " secure message '' through their website ( which of course I can't find a record of, as of today XX/XX/XXXX ). I did not hear anything back from this credit card company regarding the dispute. They also reported to the credit bureaus, in late XXXX, the balance on my account that INCLUDED the disputed amount. ( Isn't that against the law? ) A couple weeks later, on/around XX/XX/XXXX, I noticed more unauthorized charges hit my account, so I went to the person responsible, and told me that they would pay me back for the " miss-click '', so I did not file an additional dispute. To prevent future head-aches with this person, I then cancelled the card, thinking that future charges would not go through, as the original dispute was still ongoing, to my knowledge. 

On XXXX, another charge of {$63.00} hit my account, so I called Chase again to figure out what happened. No big surprise here, but I was told that companies still have the ability to charge your account even though my old card was shut down. I then asked Chase to block the merchant from future charges, which they said they would do. 

Then on XX/XX/XXXX, XXXX more charges i/a/o {$170.00} and {$400.00} hit my account again!! I called again on XX/XX/XXXX around XXXX, only to be told that it takes 30 days for a blocked merchant to go into effect!?! I was never told that it would take a ridiculous 30 days to take effect. So I filed another dispute online, including the XXXX charges, plus the previous dispute, for a total of {$1000.00} in unauthorized charges on my account. 

I then receive a voice message on XX/XX/XXXX to call back a man named " XXXX XXXX '', however when I dial the extension number he left, I receive multiple dial tones as if the number is disconnected!! So I call the customer service number, and speak to more unhelpful employees that tell me they do not have a record of my call on XXXX, nor do they " believe that I called ''!!!!??? So, apparently, this time, they put on a block on the merchant ... I'll never do business with this company again and let everyone I know about this unique experience ... Lesson here, never tell dispute departments that you know who did it, otherwise your honesty will backfire!! 

And they accuse me of lying?!?! Their investigative process is a joke ; I guess my account is the punchline ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: CA

Complaint narrative:
I HAVE MADE NUMEROUS ATTEMPTS TO GET MY CONSUMER CREDIT REPORT CORRECTED AND EVEN WITH THE PROPER DOCUMENTS SENT TO XXXX  AND EQUIFAX THESE ACCOUNTS HAVE NOT BEEN HANDLED PROPERLY ACCORDING TO THE RULES SET FOWARD BY THE FCRA ... XXXX  AND EQUIFAX HAVE NOT FOLLOWED ANY OF THE GUIDES LINES PUT IN PLACE ACCORDING TO THE FCRA.I HAVE BEEN DISPUTING THESE ITEMS FOR OVER 6 MONTHS. 
XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX WAS A VICTIM OF IDENITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: WY

Complaint narrative:
CREDIT FILE : XX/XX/XXXX Confirmation # XXXX Account # XXXX The results are : We have verified that this item has been reported correctly. 
XXXX XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; Amount {$62.00} ; This is not a valid reporting. It is fraudulent. I never owed this practice money. XXXX XXXX XXXXXXXX ( see attached ) removed this fraudulent reporting within 5 business days. Equifax took over 15 business days with terrible results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: WI

Complaint narrative:
I submitted a request from XXXXXXXX XXXX  XXXX for debt validation and the company was unable to furnish evidence that the balance or the account itself was a valid entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I have recently closed my accounts at Bank of America. At some point in my decade of using that card, I was signed up for a credit card which I used periodically. In any event, I used a few times and did have a rewards balance of {$18.00} which I believed could be redeemed for cash. Upon closing my accounts, BOA ( via representative XXXX XXXX of Virgina ) told me that they could only give me the reward if I had {$25.00} in rewards balances or more. This is misleading, as that information was not clear from their advertising or any documents I was given. Although it's not a lot of money for me individually, this Bank 's " rewards '' policy likely is very rewarding to BOA collectively.

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 2018-03-21 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I checked my credit and realized two accounts from Barclays Bank of Delaware are on my credit file. The accounts are as follows : 1. Barclays Bank of Delaware ... account number : XXXX ... balance : {$12000.00} date opened : XX/XX/XXXX ... 2. Barclays Bank of Delaware ... account number : XXXX ... balance : {$11000.00} ... date opened : XX/XX/XXXX. I have disputed these accounts with the company, but they refuse to remove the accounts from my credit files. I want them removed. These accounts are not mine, I have never applied for these cards, I do not want these cards, they are fraud and the company is committing a fraud by not removing them from my credit file. I have attached the police report and copies of my credit files so you can see that they are still on my credit files. Barclays Bank of Delaware please remove the offending accounts from my XXXX XXXX XXXX XXXX   credit files 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