vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
My wife, and I received a loan from Sunset financial, in XXXX, Georgia, in XX/XX/2018. When we got the loan, we asked that my wifes work not be contacted. We were only behind a couple of weeks on our XXXX payment when on XX/XX/XXXX, the manager, Mr. XXXX XXXX, called my wifes work. When the receptionist answered the phone, Me. XXXX, was very loud, rude, and threatening. He told the receptionist, XXXX XXXX, that XXXX, ( my wife ), better call today, or she would have a big problem. This is after XXXX, told him that she was in a meeting and he demanded to speak with her! I called the office and asked Mr. XXXX, not to call and threaten my wife, but he said he will call and do what ever he needs to! That if I didnt get in there that day, that I was going to have a big problem too! 
I called and made a complaint to the companys corporate office. I told them that his bully tactics, and mafia style threats were not very professional. I received a call from the district manager, a Mrs. XXXX XXXX. She proceeded to tell me that this was uncalled for and that she would take care of the problem. 
So, on XX/XX/2018, I went into the store and made a cash payment. After I paid, Mr. XXXX XXXX, stood up and started saying that I was lying and not to come into that store. 
He said We do have a big problem when you dont pay! 
I called Mrs. XXXX XXXX and put it on speaker phone, but she was unavailable. I left a message and told her what was going on. 
I walked out of the store and Mr. XXXX, followed me to my car. I had my XXXX year old daughter in the car and he proceeded to tell me how big of a piece of XXXX I am, because he was a XXXX, and a man shouldnt call in and tell on him. And I should keep my word or Im going to XXXX. He was shaking very badly and I told him to walk back in the store because my daughter was crying. She kept saying whats happening. Why is he yelling? So, I called Mrs. XXXX and left a message with the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: VA

Complaint narrative:
This concerns a student loan which was originally issued in XX/XX/XXXX-XX/XX/XXXX to my daughter XXXX XXXX. I, XXXX XXXX, XXXX 's father, was a cosigner. the original loan was issued in the amount of {$7800.00} by XXXX. I have made monthly payments of {$71.00} since approximately XX/XX/XXXX. I trued to obtain information concerning the status of this loan from XXXX circa XX/XX/XXXX-XX/XX/XXXX, but was refused access to the information. I continued to make payments. The loan servicing was taken over by XXXX in XX/XX/XXXX ( I believe ). I have been informed that the current balance is XXXX. I have requested an accounting of the loan by phone ( on or about XX/XX/XXXX ) and XXXX has to this point not produced any documentation. I made a second request in writing on XXXX 's website. a request which XXXX acknowledged by e-mail on XX/XX/XXXX, and have still received no documentation. At this point, I fear a serious error has occurred and am uncertain how to proceed. I am in position of the Notice of Loan Guarantee and Disclosure Statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: TX

Complaint narrative:
On XX/XX/XXXX, I called Wells Fargo to make payment arrangements on a credit card I had not paid at this time I was told I was in default with one of their affiliates and Wells Fargo did not want to work anything out with me a telephone transferred funds from 2 of my  accounts on XX/XX/XXXX without my permission, the amount that was transferred was more than enough to correct any default or late fees on the Credit Card. I was so angry at this time I closed all accounts I had with Wells Fargo and paid additional fees to close the accounts. When this money was removed from my account it caused me to default on other creditors and never to recover from this. The amount Transferred was XXXX plus late fees and overdraft fee totaling over 7000.00, This  was a personal attack on me. 

I asked what affiliate I defaulted with never got a answer the only other account beside Personal checking and Business checking account was HELOC and I never defaulted with that. 

I wrote a letter and called customer service in XX/XX/XXXX about the money that was removed and was informed again they had the right to offset the account. 

I was informed by the executive offices this year XX/XX/XXXX the account the money was transferred to was charged off in XX/XX/XXXX, I never received any notices about a charge off or a credit report that showed a Charge Off. 

I have been in contact with the executive offices on or about XX/XX/XXXX and the end result has been the same they had the right to offset.

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 2018-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I havent officially complained about this issue yet, but only because I cant get through to Santander Bank. Im XXXX and when I call their XXXX   line, Im on hold forever until it finally just disconnects. I tried calling their main number using a  XXXX  service but the representatives are either hanging up on me or Im getting disconnected with them as well. So my complaint is this ... I have two erroneous charges on my debit card. They appear to be atm withdrawals. There are also some atm fees. Im attaching a screenshot of the unauthorized ATM charges. Please open a dispute claim for these and send me a new debit card.

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 2018-08-06 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: GA

Complaint narrative:
I have contacted Equifax Credit Agency for over 2 years with same problem I have provided documents to Equifax. They have my died father information on my credit report like his 4 credit cards and also his name listed on my credit report I have told them to remove his name off my credit report plus they have several address that are wrong on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2013 we traded in the vehicle financed by XXXX for another vehicle through XXXX XXXX XXXX. Our credit report is stating that we were late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2013. It further states that this account was charged off when in fact it was paid in full. I spoke with XXXX in detail and wrote a letter the dispute department to them stating all of this and providing them with a copy of our Retail Installment Sale Contract dated XX/XX/2013. XXXX claimed they didn't get paid until XX/XX/2013 from XXXX XXXX XXXX and therefore what they have reported to the credit bureaus ( s ) stand.

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 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
The XXXX XXXX claimed for {$310.00} current balance in my name but I never had a XXXX XXXX credit card and never used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank has been contacting me repeatedly at least 5+ times per day to discuss my credit card debt that I am already aware of. They have changed their phone number twice and they have called me on a Sunday evening. I have it documented on my phone that they left me a voicemail on Sunday XX/XX/2018 at XXXX. No debt collector has ever called me this late and their phone calls have become a harassment. 

Their phone numbers : ( XXXX ) XXXX - XXXX, ( XXXX ) #

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I feel my reported credit score is incorrect. My complaint is with Equifax. Equifax provides credit scores to XXXX. Two months ago, XX/XX/2018, my credit score was XXXX. In late XX/XX/XXXX the score was reduced to XXXX. I called Equifax to question why my score was reduced. I was told it was reduced because I did not have multiple types of credit. I was told I need a montage payment or a personal loan. 

I find this absolutely ridiculous. I have not had a mortgage in over 10 years. I am retired and I have paid off all of my debts. I have had the same credit card for over 30 years, and I always pay the balance each month. 

I informed Equifax, they needed to change their method of calculating credit scores. This is very unfair to penalize citizens for managing their finances and paying off their debt. 

Again, there is nothing negative on my credit, all of my bills are paid off monthly. I have had this outstanding payment history for over 30 years. I need some one to tell me why my credit is simply good and not excellent. Forcing an individual to get into debt to get an excellent rating is wrong and very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Capio Partners is proposing that I owe a debt in the amount of {$530.00} to them from XXXX XXXX XXXX. I have tried to dispute this debt on multiple occasions and they're not sending the original contract with my signature on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2018 I requested my free TransUnion credit report via online and by mail which I have not received. On XX/XX/2018 I made a second request for my free credit report via mail from TransUnion which I have not received. On both occasions I provided the required proof of identity and residence.

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 2018-08-06 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: MO

Complaint narrative:
I have contacted Equifax on several occasions to have them remove the public records for Bankruptcy case # XXXX removed. I have contacted the Public Records company XXXX XXXX and they have removed any public records that are associated under my name and I have submitted all documents to the credit reporting agency. Equifax is refusing to remove the public records stating that they have investigated it previously and are refusing to remove it. I am in need of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I gave my daughter {$160.00} to deposit in my account at the ATM with my debit card acct : # XXXX, however, she went to the drive-through window. Even though she did not have a deposit slip the teller took the deposit, there are two accounts, but the teller placed the money in the wrong one, which causes the account to go in the negative when my XXXX  XXXX XXXX check presented to the account. I discovered the problem on XX/XX/2018, and contacted the bank immediately, the funds were transferred to the correct account by the bank rep : however, they refuse to return the {$37.00} overdraft fee. I would be very appreciative if you could assist me in recovering this fee. Thank you in advance. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Client Services for Client Servicess failure to provide requested information for the debt alleged. On XX/XX/18, consumer received a demand letter from Client Services. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: CA

Complaint narrative:
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown or unauthorize hard inquiry in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/2018. I have not informed or recalled of any association with this company. I have contacted XXXX XXXX and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact Experian as well, just to make sure the issue would be resolved immediately.

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 2018-08-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am a XXXX XXXX ( XXXX XXXX  ) XXXX XXXX veterans. That went are under a medical hardship. In XXXX Chase Mortage to over my From XXXX balance of {$240000.00}. In XXXX Chase Mortrage reported a balance of ( {$230000.00} ) to the credit bureaus. Which is the last time they reported my mortgage to the credit bureaus. This actions has adversely affected me rebuilding my credit. Chase Mortgage, turned me down for a Home Equity Line of Credit. Although, I have equity in my home. 
In XX/XX/XXXX, Chase Mortgage did a home modification with me on my home at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida : XXXX. The principal amount of modification is ( {$230000.00} ) XXXX XXXX XXXX XXXX XXXX dollars and all penalties dismissed.

But, Chase Mortgage used the original purchased price and some fancy accounting, unpaid balance work. To apply extra money to a Modification which is illegal. You cant borrow money, or come out with extra money in a modification. 
Review all three ( 3 ) credit reports to see the inaccuracies.starting dated XX/XX/XXXX account : XXXX Last Hurricane season, F. E.M.A., denied me assistance because I did have enough credit. Couldnt prove I had a home loan in credit bureaus files. 
This company XXXX XXXX XXXX XXXX- Never did business with then. 
XXXX XXXX XXXX : every month is reporting to credit bureaus that I owe them money. How do I owe them money, I never did business with them?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
We tendered lawful money to discharve alleged debt said to be owed by my " deceased '' husband and has been awaiti g the ceryification of release/duscharge from XXXX XXXX XXXX and Their Atty XXXX XXXX XXXX since XX/XX/2017. It more than a year and no response, only to receive a letter from CARRINGTON MORTGAGE SERVICES say if I want to deed the house pver to them then they will not auction it ... this was like a thu derbolt ... .shocking! We were not notice by XXXX of who this CARRINGTON MORTGAGE people are, no notice from them how they came to have control of my file. Also I was never noticed of a pending auction of my home. We learnt of this from co versation with other people and Reators. No proof given that I have been defaul or neglictful in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XX/XX/18-I scheduled a one-time payment on comenity.net.boscovs to process a {$30.00} payment on that same date with an account that I have used before with this merchant 's card. 

XX/XX/18-I contacted XXXX XXXX XXXX XXXX after I received an alert indicating that my account was marked as 30 days late. I spoke with a Supervisor name XXXX who informed me that a payment was returned on my account due to an invalid account number. She also informed me that I would have received calls from an auto-dialer to let me know that my payment was late. 

XX/XX/18-I contacted XXXX XXXX again after later realizing that my credit limit was also decreased due to this late payment. I spoke with a gentlemen that advised me again that the payment account used was invalid, I then informed him that I have used the assigned checking account before. He indicated that I had never used that account before to draft a payment. on this account, but with a different merchant card that they also carry. He then verified the last 4 of the checking account on the other card and stated that the last 4 numbers did not match the checking account that was used to draft my payment on XX/XX/XXXX. I have since made the payment that was in question and feel that there was a system error because the account I used, that XXXX XXXX swears that I have never used, is actually listed in my XXXX XXXX account profile, and secondly, I would have never received their auto-dialer payment alerts because the number listed in my profile is not my contact number and I am not familiar with whose number that would be, but it's not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Are reporting to credit Bureaus When I have numerous times in writing have disputed their right to collect and or report to the credit bureaus negative credit info on me.

I have asked for them to show proof they purchased this debt & the terms & amount of the purchase of this alleged debt.

Company response to consumer: Closed with explanation