vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX is on my credit report as a collection from XXXX XXXX XXXX. XXXX XXXX seriously XXXX  up our services in the process of moving and failed to never get the product working correctly. I personally went to XXXX XXXX XXXX 'XXXX offices and returned the equipment and asked the lady at the front desk if there was anything else on the bill and she looked it up and said that there wasn't anything on the account and it was closed now. XXXX XXXX took over the phone number and got the issue fixed easily. Then after a while of being switched XXXX XXXX XXXX claimed that the contract was terminated and we owed a fee for cancelling early. I explained to the lady, who was very rude, that they failed to be able to provide adequate service, and actually the service was poor. At times we were receiving other business 's phone calls and other individuals were receiving our calls. She said that she showed in her tech 's log that it was resolved and I told her it wasn't. And she said she didn't believe me. Then she turned it over to XXXX XXXX   XXXX and I explained the ordeal to a lady that was assigned to this collection. She said she was just going to terminate the collection because she felt it was ridiculous. I had considered to file a claim with the XXXX but I would just prefer to let it go and know to never do business with XXXX  XXXX XXXX ever again. This is more of a principle of things on this collection as the woman at XXXX XXXX was really unprofessional and I let her know it and she let me know she didn't care. Pretty sad actually, because I used to have the place I worked at use them when they were XXXX, but I let them know to never use XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I will address this in a simplified format since I've complained about this same issue with the CFPB already. Chase Bank is noncompliant with sending me an electronic copy by email, or mail that contains all billing statements from beginning to end, account notices, letters, and other relevant information. I've dealt with their branches, Executive Department, Consumer Relations Department, and their collections department with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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:
BBVA Compass Bank is in error. I submitted a check for payment in full. 
I have provided them with a copy of my contract and my check which was endorsed by BBVA Compass Bank. They have payment in full. 
Both the credit bureaus and this bank have their story wrong and I have not my opinion but documentation. I have hired a lawyer to help on this and want to notify the Consumer Financial Protection Bureau that I am being mistreated by the credit reporting agencies. 
I have furnished evidence to both of the aforementioned parties and they have responded with zero evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
I will address this in a simplified format since I've complained about this same issue with the CFPB already. US Bank is noncompliant with sending me an electronic copy by email, or mail that contains all billing statements from beginning to end, account notices, letters, and other relevant information. I've dealt Executive Department, Consumer Relations Department, and their collections department with no success.

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 2018-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: PA

Complaint narrative:
XXXX XXXX, collecting for XXXX XXXX, never sent me a Dunning Letter for this debt. Further, this debt is not mine. No contract exists and any dental care was not provided to me or with my authorization. My certified mail request for debt validation/verification, upon discovering this erroneous information on my credit report, was returned deliverable to the address provided by this company. Because this notice was not properly served, this is a clear violation of the law governing debt collection. Further, I have not had a chance to request verification/dispute this debt, where I attempted to formerly request a contract with my signature, information on the services provided, and clear demonstration of my financial liability for this debt ( which does not exist ). I also walked into XXXX XXXX and gave them the correct contact information for the individual who owes this debt prior to this assignment of this debt to this debt collector. If this erroneous debt collection is not discontinued immediately, I will file in small claims court for violation of FCRA. Further, I have reason to believe that due to such a blatant error, this dental office does not maintain appropriate HIPPA privacy practices and I will file formal complaint against them as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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: TX

Complaint narrative:
XXXX XXXX XXXX is in error. I submitted a check for payment in full. 
I have provided them with a copy of my contract and my check which was endorsed by XXXX XXXX XXXX. They have payment in full. 
Both the credit bureaus and this bank have their story wrong and I have not my opinion but documentation. I have hired a lawyer to help on this and want to notify the Consumer Financial Protection Bureau that I am being mistreated by the credit reporting agencies. 
I have furnished evidence to both of the aforementioned parties and they have responded with zero evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 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: TX

Complaint narrative:
XXXX XXXX XXXX is in error. I submitted a check for payment in full. 
I have provided them with a copy of my contract and my check which was endorsed by XXXX XXXX XXXX. They have payment in full. 
Both the credit bureaus and this bank have their story wrong and I have not my opinion but documentation. I have hired a lawyer to help on this and want to notify the Consumer Financial Protection Bureau that I am being mistreated by the credit reporting agencies. 
I have furnished evidence to both of the aforementioned parties and they have responded with zero evidence.

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 2018-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Admin Recovery, LLC
State: ID

Complaint narrative:
On the following dates, various people from Admin Recovery have called my husbands work cell phone and my fathers work cell phone asking for me. 
XXXX, XXXX, XXXX and XXXX. The calls in XXXX were a representative named XXXX XXXX at XXXX extension XXXX. 

Admin Recovery has my phone number and I have spoken to a few people there requesting that they not call other people looking for me. I do not have a mailing address, but have an email customer service address and have requested at least twice ( XXXX and XXXX ) that they not call either my husband or my father. 

There has not been any written correspondence received from this company. I do not know why they are calling looking for me.

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 2018-05-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA

Complaint narrative:
In XXXX XXXX, I started my own business. While starting the business I kept OneMain Financial informed of what I'm doing. XXXX XXXX, office mgr. in XXXX XXXX, La. XXXX, congratulated me and the payments continued. Unfortunately in XXXX, my business start experiencing financial trouble. That's when the calls started. I sent XXXX an email explaining my financial status and told that I will not decide between paying my rent and making a loan payment. After sending that email, the calls became constant. It don't make sense to call 4-5 times a day. I also start receiving calls from their office in XXXX, La. That office address is not on any of my loan documents and they should not have any right to call me. 
On XX/XX/XXXX, I got tired of being harassed about this loan. I gave them the collateral, XXXX XXXX XXXX XXXX, and parked it at there office. I also included a letter detailing the calls and informed them not to call my home and cell phones. I also included they're not to mail anything to my home. I only want notifications by email ( paper trail ). After giving them the XXXX, I didn't receive not a single email from XXXX. 
On XX/XX/XXXX, I received a late payment notification from several credit reporting agencies ( XXXX XXXX, XXXX  XXXX, XXXX etc ). When I checked my account, it shows that OneMain filed a late charge against me. I consider this retaliation for giving them the collateral instead of making payments. The account is still open on their website. Also, this account have insurance on it for this very reason and it have not been filed. Once filed, the insurance should pay off the debt. Instead of being harassed and retaliated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: ID

Complaint narrative:
On the following dates, various people from XXXX XXXX have called my husbands work cell phone and my fathers work cell phone asking for me. 
XXXX, XXXX, XXXX and XXXX. The calls in XXXX were a representative named XXXX XXXX at XXXX extension XXXX. 

XXXX XXXX has my phone number and I have spoken to a few people there requesting that they not call other people looking for me. I do not have a mailing address, but have an email customer service address and have requested at least twice ( XXXX and XXXX ) that they not call either my husband or my father. 

There has not been any written correspondence received from this company. I do not know why they are calling looking for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I applied for an XXXX XXXX account with XXXX XXXX in late XXXX. At some point, without my knowledge or consent, I was signed up by Synchrony into a Card Security service, which charged my account a percentage of the balance due each month as a fee on top of other balance owed. 

I discovered that I had been enrolled into this service in XX/XX/XXXX. The charge had been applied on all card statements available to me going back as far as statements were available online ( only going back one year for Synchrony, for some reason ). On XX/XX/XXXX I called the Syncrhony customer service line to dispute Card Security fees that I was signed up for without my authorization. The representative I spoke with told me that I would be opted out of Card Security moving forward and that I would be refunded all charges related to Card Security as I had not authorized that service be applied to my account. 

A month later those charges have not been refunded from 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 monetary relief
Consumer complaint received 2018-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have been an wells fargo client for a few years now. I have had MANY problems with this bank, BUT, since I am a foreigner and for a while my English was NOT the greatest and since I felt that as a foreigner I had to agree with all that was being presented to me. Now, after almost 20 years in this Country and my English being quite perfected, I SEE things much differently and I have decided to STOP the ABUSE i have been suffering from this bank institution. I feel that I have been taken advantage for not quite understanding ALL the writings and contracts. My limit has been reached when this past week, between my XXXX account and the above mentioned, I got charge with NOT 1, 2 or 3 NSFs, BUT about 6 and I called the bank to understand ( ONCE again! ) what was happening and I was told that this was the way was and no much more was explained to me and since I have had other NSFs, I would not be giving the courtesy of crediting those fees back ... For even a debit of {$5.00} ( after pilling up on fees my balance was not enough to pay those 5 ) I got charged {$35.00} ... It is extremely ABUSIVE and I feel that the snow ball never stops. I feel that the bank offers me the " courtesy '' of paying my " purchases '' even when I do not have a positive balance so they can CHARGE me over and over and over and create a situation from where NO one can get under of. It is ABUSE of POWER over someone who is quite simple.

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 2018-05-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
CRA violation no knowledge inaccurate name, address, telephone and unauthorized inquiries that I did not recognized appear on my Experian credit report.

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 2018-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
XXXX XXXX ( XXXX ) trying to collect a debt of XXXX as of XX/XX/XXXX I have never open an account with sw credit I don't understand where this is coming from I have no type of knowledge of this " debt '' I don't know nothing about this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PRIVACY ISSUES - REPEATED DISCLOSURE OF CONFIDENTIAL INFORMATION XXXX XXXX via their attorneys continues to disclose my confidential information on my dispute with them, to the former owner of the house I rented and her attorney -- without my permission or approval. In fact, I told them NOT to do that. When they ignored me and once again divulged confidential information about my dispute with XXXX XXXX, AND MY MAILING ADDRESS -- I submitted CFPB complaint # XXXX at the end of XX/XX/XXXX for illegally disclosing my private information. ( XXXX XXXX wrote me a letter regarding that dispute, but told CFPB it is not their complaint. This is a lie. ) Instead of stopping their practice of illegally including people not a party to my complaint with XXXX XXXX -- on XX/XX/XXXX I received a letter at my home dated XX/XX/XXXX in response to my recent complaints. It stated I am not the owner so they reuse to respond to my complaint ( even though it has nothing to do with the owner ) -- AND THEY COPIED THE FORMER OWNER AND HER ATTORNEY WHO HAVE NOTHING TO DO WITH MY COMPLAINT!!! NOT ONLY THAT -- THEY INCLUDED ALL THEIR PRIOR LETTERS EVEN FURTHER DIVULGING MY PRIVATE INFORMATION ABOUT THIS COMPLAINT AND MY MAILING ADDRESS, WHICH IS NOT PUBLIC KNOWLEDGE WITHOUT MY PERMISSION. 

THEY ONCE AGAIN DIVULGED MY CONFIDENTIAL INFORMATION. 

Since XXXX XXXX steals their clients identities to open unauthorized accounts, they obviously do not take private data seriously. They seem to believe they can do whatever they XXXX well please. 

I notice although XXXX XXXX wrote me a letter they refused to respond to my complaints, they responded to the above complaint to you that they are the wrong party. They also claim this is the same issue they responded to. This is also a lie. Despite multiple complaints different in nature, XXXX XXXX has not appropriately responded to any of them. 

The owner of my rental is XXXX XXXX. Their name is on the deed. The name of the TWO cases trying to illegally evict me as a renter with PTFA rights was XXXX XXXX. Further, in a deposition of Spring XX/XX/XXXX, OCWEN testified under oath at least 17 times they are operating under the direction of XXXX XXXX. OCWEN further testified that they had power of attorney and the law firm XXXX XXXX XXXX is operating under the direction of XXXX XXXX. 

Since XXXX XXXX 's agent XXXX XXXX XXXX, and their employee XXXX XXXX XXXX persist in divulging my confidential information, they need to answer for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 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:
To whom it may concern, After checking my credit report. and learning I had a charge off on my credit report from XXXX XXXX I sent them a account validation letter. On XX/XX/2017 I sent XXXX finance in XXXX, MD the debt validation letter concerning the charge off on my credit report. I asked for a validation of this debt. I wanted them to send me a copy of the original signed contract. On XX/XX/2017 they sent me a letter stating they have reviewed their records and determined the information reported to the credit reporting agency was correct. They did not provide me with a copy of the contract as the law requires. I have attached a copy of the letter they sent me. This is not a validation of a debt. I also disputed the information on my credit report with XXXX, XXXX  and Equifax but the credit dispute has not removed the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX is showing me as having authorized user status on a XXXX account that isnt mine. I have called them on numerous occasions, the latest being XX/XX/18 and asked them to remove my name from the account. I have not authorized XXXX XXXX to issue me a card on this account nor consented to them to report this accounts status information to my credit file. They refuse to remove me as an authorized user and delete the account from my credit reports.

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 2018-05-13 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: NC

Complaint narrative:
To whom it may concern, After checking my credit report. and learning I had a charge off on my credit report from XXXX XXXX I sent them a account validation letter. On XX/XX/2017 I sent XXXX finance in XXXX, MD the debt validation letter concerning the charge off on my credit report. I asked for a validation of this debt. I wanted them to send me a copy of the original signed contract. On XX/XX/2017 they sent me a letter stating they have reviewed their records and determined the information reported to the credit reporting agency was correct. They did not provide me with a copy of the contract as the law requires. I have attached a copy of the letter they sent me. This is not a validation of a debt. I also disputed the information on my credit report with XXXX, TransUnion and XXXX but the credit dispute has not removed the information from my credit report.

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