vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingUSA
State: GA

Complaint narrative:
Loan taken out with Lending USA at XXXX of XXXX. Originally spent {$2700.00}. This was cost of puppy, and all the dog food, vitamins, crate etc that the store said I needed. If I didn't use their dog food and their vitamins then it voided the warranty on the dog if something happened to it. Needless to say there were many vet trips due to XXXX XXXX, XXXX XXXX due to it being in a crate and had swallowed XXXX among other things. I have already paid of {$1500.00} on the account and they are only showing my balance down to {$2700.00}. If this is the rate, it will never be paid off. The terms given to me by the rep who did the financing and what I have actually ran into have not been accurate. They are applying little to my principal and I feel I was over charged for the dog at {$1600.00} when I realized people made offers on dogs and they took them. I was never told that was an option. I feel like they are using these poor animals and just scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a letter from Linebarger Gggan Blair & Sampson LLC Attorneys at law indicating per letter I owe the state of PA XXXX Since XX/XX/XXXX. 

I attempted to contact these people but no one answers the phone. The phone number on letter XXXX ext XXXX. 

I do not know what this is all about? And I want proof from the state of PA that I owe this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX I learned that my identity had been compromised and an authorized account had been opened in my name. I reviewed my credit report and found that, in addition to the unauthorized account, there were 3 unauthorized credit inquiries on my credit report from Chase Card Services. 

OnXX/XX/XXXX I wrote and mailed a letter to Chase Card Services and explained that their inquiries were unauthorized. On XX/XX/XXXX I received a response from Chase stating that they were removing one credit inquiry, but they determined the remaining two were valid. n XX/XX/XXXX, I wrote another letter disputing their findings and I maintain that I have not authorized Chase to pull my credit! 

To-date, this has not been resolved and the inquiries are adversely impacting my credit score with all three major bureaus. 

FCRA requires furnishers to report accurate information and Reg B requires permissible purpose to pull my credit. None of the inquiries are accurate/authorized and Chase did not have a permissible purpose to inquire on my credit report. 

I have provided enough information for this furnisher to complete a competent investigation, yet they have not corrected their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX three transactions were made from XXXX and XXXX. PayPal approved these transactions, while XXXX available balance was {$0.00}. They then went on to charging my XXXX XXXX checking account, which was also at a {$0.00} balance. So although PayPal balance was not enough, because again it was at a {$0.00} balance, amd my XXXX account DECLINED, PayPal decided to approve these transactions. Now before I proceed I should mention these transactions were NOT approved or done by ME, XXXX XXXX. Nor do I know who made these purchases. I have checked my XXXX account and can see the two purchases totaling {$36.00}, one for {$27.00} and the other for {$9.00}. I have received one of the many things ordered. 

Now, my problem is PayPal is attempting to charge these items over and over again, causing my XXXX account to fall in the negative balance of {$220.00}, ALL which is NSFs. The payment will not go through because I dont allow my account to be overdrafted. 

PayPal approved these transactions knowing there was no funds, because Im am pretty darn sure they wont approve a transaction made through them if there is no money. Just like using your debit card at the store and it not having funds. I sumbitted a complaint with PayPal and their response was this is not an unauthorized transaction which is partly true, because although I didnt authorize it, PayPal did. 

Now I dont want or need the items purchased on XXXX, but will pay them, since my PayPal account is also negative due to these purchases. I can also return them, although I havent received all the items, but that wont pay the NSFs and will take weeks to return. 

Secondly the XXXX purchase for {$3.00} should of also been declined but again I will pay that. 

And all of these items show as paid with PayPal balance, and shows my XXXX as back up. I dont understand why XXXX is involved. 
I just want all those fees to be taken care off and for PayPal to close my account when all of this is over. I am very disappointed with their customer service, they made me feel like a liar and a thief, when in all honesty they are the crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
I have a deposit slip in my hand from physically dropping off payments via business bank checking. The deposit/payment into the loan account was {$110000.00}. The checks cleared through the federal check clearing system, and cleared the bank they were written from showing USBank as the receiver of the funds, but the deposit is not showing up in my account/with account number on my deposit slip. The bank branch was confused, double checked and confirmed the physical deposit in person was made at XXXX on XX/XX/XXXX, but as of yesterday could not see the deposit in the account any longer. Today is XXXX XXXX on XX/XX/XXXX. The funds were processed through the federal clearing process in what looks like a normal timeframe. The funds are missing, and not in my customer account! 

US Bank ( branch ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank XXXX Nebraska Branch, XXXX XXXX XXXX XXXX NE XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 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: AR

Complaint narrative:
Since the year XX/XX/XXXXEquifax, XXXX and XXXX have reported two accounts that are not mine and I had no knowledge of the account 's existence until XX/XX/XXXX. I have continuously disputed the accounts ever since XX/XX/XXXX. XXXX  has done a wonderful job with respects to my rights as well XXXX own compliance with requirements for reporting information about consumers. XXXX and Equifax have shown me no respect and neither offer any evidence besides the word of furnishing companies being certified. I have talked to the customer service departments via telephone as well as disputing these negative accounts that have literally caused my life damage since XX/XX/XXXX. I see no other option beside taking legal action. The accounts I refer to are XXXX XXXX showing a balance of {$130.00} and XXXX XXXX that is showing a balance of {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
I received a phone call around XXXX XXXX  a couple of months ago regarding my ex-husband 's wife 's mortgage account with Carrington Mortgage. Informed the company of the situation and they said they would take my name and number off the list. Called Carrington Mortgage the next day and they said that I would have to talk to my ex-husband to have my phone number removed. Spoke to a supervisor and a very heated discussion and informed him that I had been divorced for 17 years and did not sign any paperwork on this mortgage and finally he agreed to remove my information. Last night XX/XX/2018 at XXXX received another call asking for her and informed them of the same information and the person hung up on me. Contacted my ex-husband and told him this need to stop and he said he would contact them on XX/XX/2018. He is not sure how they are getting my contact information. If you call the number back that is contacting me, it says that there is an account associated with my phone number and to enter the last four of the social security number. This is a mortgage on her family home that they purchased from her parents after they were married. I have nothing to do with this mortgage or signed any papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
For weeks I have been recieving calls from a phone number which my XXXX identifies as XXXX, but the recording says it it from XXXX ( XXXX, I guess ). It gives me the reference number XXXX. When I first called then back, they told me that they were trying to collect a debit from XXXX XXXX XXXX, at a specific address in XXXX, Fl. I told them that this is not my company and I do not have any connections to the address they gave me. They asked for my phone number to lookup their system. I gave both my home and cell. They couldnt locate it on their system. They told me it was a mistake and they would update their system. That was during the first week of XX/XX/XXXX ( I kept the voice mail recording ). Since them, they have called me at least 10 more times, twice this week alone. For the first few, I ignored. The last two I answered and I got really aggravated as they still can not locate an acount with my phone numbers but somehow keep on calling to bother me with a debit of someone else. What else is left for me but to have an ulcer over this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I paid off this auto loan over 3 years ago it is still showing a XXXX balance on my Credit report but showing 120 days late..this is negatively affecting my credit this needs to be removed from my credit report altogether thanks account number XXXX XXXX XXXX XXXX XXXX  Account 1 : XXXX and Account 2 :  XXXX XXXX XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 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: Ballybunion Enterprises, Inc
State: KS

Complaint narrative:
There was no legal contract in place for this account and as part of an agreement handled with XXXX XXXX help the account was settled and to be removed from my file. It has not been removed and is reporting late when the money they were attempting to collect was not covered in a contract.

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 2018-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Oracle Financial Group LLC.
State: OH

Complaint narrative:
I received a phone call on my work phone on XX/XX/XXXX at XXXX XXXX, from a guy whom never stated his name. It caught me by surprise because he addressed me by first and last name, he state that he was hired by a company to investigate and track me down for a debt that I owe and if I did not pay this debt within 48 hrs he was going to come to my job and serve me papers to have my wages garnished. I asked whom was the company that hired him he stated he did not know that information but if I wanted to contact them I could call them and settle the debt, so that he would not have to serve me at work. I wrote the information down and contacted the number he provided me, I provided the woman with the case number and she told me that I owed {$530.00} ( to XXXX ) with a {$6.00} processing fee. If I did not pay that amount immediately they were going to garnish my wages for triple that amount. Which made me fearful, I promptly made the payment so that he wouldn't come to my job and have my wages garnished. My bank wouldn't allow a debt transaction over {$500.00} in one day so the payment would have to be broken into 2 payments.On XX/XX/XXXX I  paid {$490.00} plus {$6.00} processing fee, the women emailed me an receipt. The next day XX/XX/XXXX the second payment for {$49.00} plus {$6.00} processing fee was made but I never received a receipt or paid in full letter as the women said she would email to me. On XX/XX/XXXX I  tried to contact that same number to have them send my paid in full letter the phone number no longer workers. I've called the phone number on the invoice/google and left a voice mail and have not gotten a response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: MN

Complaint narrative:
In 2014 I sent numerous emails to my advisor at XXXX XXXX XXXX University. I was a new student attending classes online. It was an attempt to complete my degree after a XXXX XXXX XXXX. Within a week I knew I had bitten off more than I could chew. I emailed stating that I wanted to drop my classes because I wasnt able to keep up and was having bad headaches. I received a response that I could take my time with assignments and drop one of the classes. My response was that I wanted to drop all classes and continue at a later date. My body was telling me that I wasnt ready, and the stress of the quality of the work I put forward was unnecessary to deal with. I sent many emails and left a message asking for my classes to be dropped. If I were able to drop them on my own I would have. I didnt hear anything back until after the cutoff deadline. I was I informed that if I withdrew Id be responsible for paying the tuition because it was after the drop deadline. I emailed stating that wasnt fair as I had attempted to withdraw before the deadline, and I was unemployed so had no way to pay the tuition. Thus why I was receiving Financial Aid. I wasnt withdrawn from classes and I didnt attend either. Account was sent to collections for XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I have no idea who Commonwealth Financial is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Commonwealth Financial is indicating that the account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized
Commonwealth Financial as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Commonwealth Financial } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Commonwealth Financial, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I filled a written dispute with ( NCC ) business services. Although the apartment complex refused to validate the debt, NCC refused to remove the debt after speaking to numerous rude managers and supervisors. I was denied an opportunity to file a complaint over the issue and told to file with FTC or whatever other complaint I needed to when I asserted the fair debt collection practices of the ( 30 ) day investigative period. In fact, the collectors argued their investigative practices included making a certain number of attempts, rather than a specific time frame or the one consistent with the fair debt collection practices. They claimed expertise by title but couldn't provide information regarding the proper dispute process, or my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
On XX/XX/XXXX I called the customer service line for XXXX/Wells Fargo XXXX XXXX . I noticed they had not processed my payment {$88.00} that I scheduled on XX/XX/XXXX that was due on XX/XX/XXXX that I scheduled for XX/XX/XXXX. My payment was for the full amount due. My balance was now {$110.00}. My payment was still in processing status on their side and not completed. This was my first billing cycle with them so I wanted to make sure everything was alright and was why I logged in the day after my payment was due to make sure everything processed okay. Their customer service agent named XXXX told me that eventually the late fee would be removed, but the interest charges would remain. I informed her that was illegal because I scheduled the payment on XX/XX/XXXX for the due date of XX/XX/XXXX on their web site and I paid on time. It was their processing time that was late. I was put on hold several times and after being put on hold multiple times she said no interest charges would be on my account, but as of now my account still has a balance of {$110.00} no time line was give to me of when my balance will be XXXX  out. I was given no confirmation number just that she would be checking on my account. No call back number no time frame. Just the word of an agent with the a credit card company that I no longer trust.

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 2018-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX has this company Amsher or XXXX XXXX law harassing me about a balance owed to their company. I returned their equipment and sent it back to them and they will not stop calling me and will not remove the balnce from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation