vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX - Called my ex-wife of 20 years ago to discuss my finances. 

XX/XX/XXXX - Told them to stop contacting me or anyone else. 

XX/XX/XXXX- Just sent me another email threatening me they are going to contact my landlord and other companies that I have worked with. 

Yelled at me ( ALL CAPS ) in an email asking me why I don't file bankruptcy and commenting on my financial situation.

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 2018-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I applied for an XXXX credit card on their website since we were purchasing kitchen cabinets from XXXX in the near future. I was approved for the account on XX/XX/2018, and received the card a week later. There was a bonus in that if you spent {$500.00} at non-XXXX stores in the first 3 months you get an XXXX {$25.00} gift certificate. So, we were using the card for various purchases and we received the first bill on XX/XX/2018 for {$33.00} which was promptly paid off. We kept using the XXXX visa card for everyday purchases until I was at XXXX supermarket and tried to use the card, and was denied approval. This was embarrassing and thus we used an alternate card for payment. Since I have a credit score as of late XXXX of XXXX and haven't missed any payments in the last 30 years or so I was baffled why the card was denied. I called the XXXX card issuer ( XXXX XXXX ) on XX/XX/2018 to inquire why my card was declined at the point of sale since I thought my credit was impeccable. The rep, XXXX stated the reason why my account was closed as there were " Number of recent credit inquiries on your credit report '' A week later I finally received the closing account notices from XXXX XXXX. What does that mean especially for someone who has a credit score like I did? I also looked at my credit report online and found that there were only 3 recent inquiries and " ALL '' of them from XXXX XXXX. How can Credit Card issuers like XXXX XXXX  treat consumers like this? Isn't this anti-competitive in that I now will do business somewhere else and I know that there are credit issuers that will want my business. Who are they trying to protect, themselves from good customers? What is more upsetting to me is that XXXX stated the XXXX XXXX had the right to close the account as well as another XXXX project card due to the fine print that was in the credit card agreement. I read it and I have a college degree and it was hard for me to understand. If I decided to sue the agreement states that I could not sue but that I had to use the arbitration system for all disputes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
On Friday, XX/XX/XXXX I submitted a request to pay off my Navient student loan in the amount of {$4000.00}. In their website under the recent payment section, it showed a payment in the amount of {$4000.00} in pending status. At that point, I decided to cancel the recurring payment I had set up to make regular payments. Since the loan would be paid off, I did not want Navient to continue drafting my regular payment. Once I cancelled the regular payment, I checked the recent payment section, and my pending payment of {$4000.00} was no longer visible. Like a reasonable person, I assumed that when I cancelled the recurring payment, the pending payment must have also been cancelled, since it was no longer visible, so I submitted another payment in the amount of {$4000.00} to reset-up that payment that appeared to be cancelled on the Navient website. On Monday, XX/XX/2018, my checking account was drafted twice for a total of {$8000.00}. Navient apparently had not cancelled the initial payment, but has deceptively removed the pending payment from visibility. When I called to try to get the {$4000.00} back, I was told that it would need to do to investigation and that I would need to submit bank statements showing that my account was drafted twice. This process would take 10 business days. Navient can see that they got the money twice. I know they have ACH records that show that the money came out of the same account twice. Additionally, Navient can take my money within one business day, but when asked to return money that did not rightfully belong to them, I was told the process would take at least 10 business days. I have bills to pay and needed that money. Thankfully, my financial institution agreed to return the funds to me and will fight with Navient to  get their funds back. Navient 's process is deceptive and abusive to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: WI

Complaint narrative:
I sent my first attempt for debt verification XX/XX/XXXX asking to provide me with proof of a signed signature with Diversified Consultants which they failed to provide. I sent a second attempt for debt verification on XX/XX/XXXX asking again to provide proof of a signed signature with Diversified Consultants since they are the reporting agency on my credit report. The negative information was removed but then later reinserted between XX/XX/XXXX and XX/XX/XXXX according to XXXX XXXX and XXXX XXXX credit monitoring services. I sent a third attempt for verification sent on XX/XX/XXXX also informing them that reinserting negative information on credit files is illegal and asked to have the negative files removed since they failed to provide proof of my signature with Diversified Consultants. I finally sent them a letter which would be my final attempt on XX/XX/XXXX informing them of the actions I have to take since they're doing illegal practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
The title to my home is impugned because of an attempt by a neighbor to change the boundary lines of my lot. I have filed a claim with my title insurance company XXXX XXXX XXXX XXXX, and a lawyer for Wells Fargo is interfering in the processing of my claim by XXXX. 

The claim should pay off the mortgage balance to $ XXXX and stop the foreclosure. 

Wells Fargo attorney is playing politics with my title insurance and valid claim against my policy ( filed in 2014 ).

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 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IL

Complaint narrative:
ERC located at XXXX XXXX XXXX. XXXX, FL XXXX was contacted on XX/XX/18 and failed to provide answers to all of my questions. They were unable to provide me verifiable proof of any copies of an original document to prove I owe this debt allowed to me under my rights of the FCRA. I told the representative from ERC that a copy of a statement is not proof and a verifiable copy of original is required by law. I am asking this supposed debt be removed from my credit report as it is hindering my ability to obtain a mortgage, auto loan, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX shows a residential address on XXXX and XXXX as well. I want to no who and why this company is showing on my credit report on XX/XX/2018 report file # XXXX as to why they pull my credit under Account Reviews Inquiries on my Transunion report. I have not applied for anything with this company or given them permission or sign anything or contract giving them permission to pull seek or obtain any credit information by me or consent to pull credit. 
Transunion has no justification to why this company is listed as a residential address as XXXX XXXX XXXX XXXX XXXX CA XXXX Also Transunion should be held accountable to my credit report for damage/ ( s ) to letting a company pull my credit. Proof of my signature or consent needs to be provided by this company if there a legal company as to who sign or committed fraud under my name. Also page 11 of 12 Transunion shows the information file # XXXX date issued XX/XX/2018

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 2018-08-13 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: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX  XXXX  XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$650.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$240.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance:XX/XX/XXXX Company XXXX XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX/XXXX XXXX Account # : XXXX Date Open:XXXX Balance : {$510.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX XXXX XXXX XXXX Account XXXX : XXXX Date Open:XXXX Balance : {$650.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance : {$240.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XXXX Balance:XX/XX/XXXX Company : XXXX/XXXX Account # :XXXX Date Open:XXXX Balance : {$380.00} Company : XXXX/XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$510.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Date opened : XX/XX/XXXX Original creditor : XXXX Type : Collection Balance {$350.00} Comments : Account information desputed b consumer ( meets requirement of the fair Credit Repoting act ) The item was updated from our processing of your despute in XX/XX/XXXX. 
This derogatory mark is still on my credit report with Experian. I did a fraud claim and the derogatory mark was removed from the other two credit bureaus.Now its with XXXX and Experian say it's not going to be removed until XXXX. I have sent certified legal documents for it to be removed but it hasent't been removed.

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 2018-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
On Tuesday, XX/XX/2018 phone calls were made to multiple family and associates from XXXX AKA XXXX XXXX from JPL Recovery Solutions. This same individual left messages on both my cell and work phone number. 

On Tuesday, XX/XX/2018 at approximately XXXX XXXX PST, I returned call and left message I was not to be contacted again at my work phone. 

Between XXXX XXXX PST and XXXX XXXX PST he called my work line and employer 3 separate times. I returned the call at approximately XXXX XXXX  and spoke directly to agent representing himself as XXXX XXXX. I advised I had left a message the previous day I was NOT to be contacted at my place of employment. From there he demanded I tell him by XXXX XXXX  Eastern time how I was going to resolve my debt or he will attach my wages through XXXX XXXX of California. I asked for written verification of debt and said he would email it to me. Still have not received USPS written correspondence from agency. I advised he could not attach my wages without a judgement and not to threaten me. He said he wasn't threatening me, I repeated twice more to quit threatening me. I ended the conversation by stating " Good Day ''.  He immediately called my cell phone back and 3 more times my work phone. He has left intimidating messages from my over age daughters, elderly mother - in - law. Again today he calling my work phone and left a message for my mother. He left a collection type message on a telephone number I am not associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2014 60 days late in XX/XX/2014 60 days late in XX/XX/2014 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
As a victim of identity theft, I sent a 2nd letter on XX/XX/18 to Equifax outlining the information I was disputing on my credit report. In XX/XX/2018, an address in XXXX NM, that does not and has not ever, belonged to me appeared on my Equifax credit report. Subsequently, on XX/XX/18 and again on XX/XX/18, I received letters from Equifax stating that the NM address had been updated to my current address. On XX/XX/18, I sent a letter to Equifax disputing the NM address. On XX/XX/18, after waiting since my first letter of dispute in XXXX, I received an updated credit report that supposedly corrected all the disputed items. It still has the NM address on it. 

Then, on XX/XX/XXXX, I received from my ex-husband, a letter that was sent to his address where I have not lived for 17 years. It was a letter updating my address from his address to my current address. I called Equifax to see why the letter was sent to that address instead of my current address which they obviously have had since XXXX. They told me that they had not sent a letter to that 17 year old address. When I pressed my concern, because of the NM address, they again denied sending a letter there. Finally, they connected my with a different person in a different department who filed a dispute about both the NM address and the former address which should not still be on my credit report. They responded that this process will take at least 30 days and I will be notified via email regarding the outcome. 

I have had difficulty with Equifax throughout the whole process of obtaining my credit report, freezing credit, filing disputes and communication regarding the identity theft. I have had no difficulties with either of the other companies ... XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Since XX/XX/2018we have made many attempts, along with filing a dispute to correct the information, short, this company has failed to correct the correct showing, because, they have told us, we have contacted them to much, the issue, had a medical injury, XXXX XXXX XXXX, involving XXXX, XXXX XXXX XXXX etc, this cause a financial hardship, even with our insurance, never had late payment, nor miss payment, we took a small loan to payoff 2 credit cards. to help ease the burden, which, it did, but, XXXX XXXX, failed to report that the cards had been paid off, we contacted the Banks, and they kept sending the information, XXXX, kepts failing to report, thus the have marked my score from XXXX down to XXXX as of today, thus causing the others to lower my score also, XXXX. 
I do not believe that this company should have the right to destroy mine or anyone 's credit. And when you call, they are very loftiness, I asked to speak to a supervisor, 15 mins hold, this guy answer, asked his name, his replied was XXXX. and I am in Idaho. I asked for a ID number was refused, asked for his full name was refused, told me this was being recording as a threat. I said good, explained to him what the problem was, asked him why his company was the only one. his answer, you said you will complain, so I will not talk any longer to you, Hung up, this was last Friday, XXXX hrs approx. pdt. I need to have this company not involved, I was trying to purchase a new home. Please help. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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:
Since XX/XX/2018we have made many attempts, along with filing a dispute to correct the information, short, this company has failed to correct the correct showing, because, they have told us, we have contacted them to much, the issue, had a medical injury, XXXX XXXX XXXX, involving XXXX, XXXX XXXX XXXX etc, this cause a financial hardship, even with our insurance, never had late payment, nor miss payment, we took a small loan to payoff 2 credit cards. to help ease the burden, which, it did, but, XXXX XXXX, failed to report that the cards had been paid off, we contacted the Banks, and they kept sending the information, XXXX, kepts failing to report, thus the have marked my score from XXXX down to XXXX as of today, thus causing the others to lower my score also, XXXX. 
I do not believe that this company should have the right to destroy mine or anyone 's credit. And when you call, they are very loftiness, I asked to speak to a supervisor, 15 mins hold, this guy answer, asked his name, his replied was XXXX. and I am in Idaho. I asked for a ID number was refused, asked for his full name was refused, told me this was being recording as a threat. I said good, explained to him what the problem was, asked him why his company was the only one. his answer, you said you will complain, so I will not talk any longer to you, Hung up, this was last Friday, XXXX XXXX approx. pdt. I need to have this company not involved, I was trying to purchase a new home. Please help. Thanks, 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 explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My automobile was part of my Bankrupty ( ChXXXX ) and was paid in full ( BK claim scheduled - {$26000.00} ; Claim asserted {$26000.00} ; Principal paid {$26000.00} ; Int. Paid {$3700.00} ; my case was completed on XX/XX/2017. I have the paperwork from the trustee confirming dates and payments to all creditors, showing paid in full ( including Toyota Motor Credit ). I am now trying to repair my credit and begin anew. Toyota Motor Credit was reporting me as late and again, it was all paid in my BK. They were calling me to collect payment and I explained the situation, they refuse to listen telling me and continue to tell me I owe them {$700.00}. I have uploaded my documents to them, via their website and have spoken to several representatives. I even referred them to my BK attorney and they have been useless in removing the debt that I DO NOT owe. I am at my wits end as they said if I don't pay, they will show as " charge off '' and it will affect my credit that I have been trying to rebuild after my divorce. My BK paperwork should be enough for them to see what I am explaining to them is accurate and release my title to me and remove the balance they state I owe - as again, it was paid in full ( per BK courts paperwork ). This whole process has been very frustrating and to top it off they started calling me everyday to collect - harassment. I finally told them to stop calling me and to contact my attorney or the BK courts. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX Original Creditor : XXXX XXXX XXXX Alleged amount owed : {$150.00} This is not my account - Never had service with this company?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation