vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Touchstone Partners, Inc.
State: TX

Complaint narrative:
Debt Negotiation Services a debt settlement company located in Florida refused to promptly refund the money I had in savings. DNS had placed the money in an account at XXXX XXXX XXXX  believed to be owned by just me. However, when I tried to get the money refunded the bank told me DNS owns and controls the money and they are the only ones who can authorize the refund. DNS threatened for it to take at least 30 days and up to 6 months before they would authorize the refund. A friend of mine has assisted me in getting this story out to the public. My complete story including supporting documents, recorded phone calls, and the results of a report published by XXXX XXXX at XXXX   can all be found using this link https : XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY 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 2019-11-26 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
Searching to get a pitbull puppy on a private facebook page account. We selected a puppy and the guy said he wanted half up front and half later to get the dog for a deposit. We did not think this was going to be a scam because he knew so much about these dogs and he was on a XXXX  account. We sent him {$350.00} on a mobile XXXX pay app. He deleted everything and his page and the site. We emailed SunTrust Bank right away for fraud and scam. They said there was no error on this case XX/XX/19. This was a complete scam and we trusted the XXXX page account since it was a private group. The transaction occured on XX/XX/19 for {$350.00} with a name of XXXX XXXX using our bank debit card. Please help us get our money back. This hurt us.

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 2019-11-26 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: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
On XX/XX/XXXX I found out that I was a victim of Identity theft after Win Law Group ( representing XXXX ) levied my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with XXXX and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter. 
Furthermore, my personal information showed on the XXXX XXXX XXXX XXXX is incorrect. 
1. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX. 
2. On XX/XX/XXXX Case the comment was Unsatisfied in XXXX County and on XX/XX/XXXX another comment of Unsatisfied in XXXX County. However, I have never lived in XXXX County of XXXX County. I only have one address which is : XXXX XXXX XXXX, XXXX XXXX CA XXXX XX/XX/XXXX. 
I have tried to dispute this ID Theft issue with Win Law Group and XXXX XXXX   hoping to remove this case and have a refund of the levied amount. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
Purchased a XXXX XXXX through BMW Finance and they're reporting duplicate/negative information still since of which the loan has been paid off XXXX XXXX. Also to which previously was not negative since XXXX. Bc of refi, the loan shouldn't have reported negative. We are now 4 years and the refi loan was paid and original was supposed to have dropped off and was told they weren't supposed to report. They both were taken off XXXX and XXXX, but was still on XXXX. Now showing they're back on. So wrong and under FCRA they should be completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Today I received a call from XXXX ( XXXX XXXX XXXX. They claim to be a debt collector called XXXX  XXXX. They knew my name and last four of ssn and claimed to have an account stating I owe around {$600.00} to XXXX. When pressed for more info about their company ( why when I XXXX your company name and number does it not come up as anything? ) I was told let me put you on hold and ask how I answer that without getting in trouble. Ive called Walmart and they said I do not have an account with them but one that was opened in XXXX and closed in XXXX did exist. I disputed this as fraud. Well I verbally said so but they took no action to help me. In the past ten years I have worked hard to clear all my debts in collections and 6-7 years ago when I was paying them all off I NEVER saw one for Walmart in my credit report. Its not there today either. Its says I have XXXX in collections. I have no knowledge ever of a Walmart card being opened in my name. Im afraid this may be fraud and I dont know what to do. Whether or not this debt is legitimate is tbd. I believe its fraud but this number seems fishy. It seems like a scam. They dont even say the company name when they answer the phone. You have to ask for it. They also called my brother and dad for sure and who knows who else

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I called and asked why they keep calling me. I make my payments on time. They saidmy number was connected to another acct. the lady said she would fix it my acct was fine. 1 hour later I get another call. I try to call them back to question them and now my calls dont go through

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 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: Opportunity Financial, LLC
State: CA

Complaint narrative:
Please CFPB, send attached documents to Opportunity Finacial and XXXX credit bureau. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Back in XXXX I had a bill turned over to Wakefield and Associates from XXXX XXXX ( XXXX XXXX  ) I had explained to Wakefield In XXXX when I realized it was on my credit report that I had put in an application for financial assistance and it needed to be removed from my credit report. Nothing was ever done about it. I then reported them to my credit reporting agency. When I called on Friday to pay some of my other bills they had sent this bill to their Attorney for suit. I told them this bill was to be put on hold until my application for financial support had been reviewed at XXXX XXXX and I had spoken to them and they were really far behind. That it wasnt my fault they were behind, the bill would be part of that application and I wasnt paying any of it until I saw what happened, I simply didnt have the money. I was told they didnt care if it was waiting for that or not after being on hold for so many months it would go to the attorneys office. I told the gentleman that was fine I would get an attorney and he sId that was fine we would just let it lie then. XXXX XXXX had told me when I spoke to them that nothing would happen with this bill until my financial aid application was completed. Wakefield took it upon themselves to send it to an attorney. It simply isnt their right to collect on a debt that has been put on hold by their creditor nor is it their right to put it on my credit report but they have. 
I had a nervous breakdown in XXXX and a much more serious one in XXXX due to my XXXX and our financial situation associated with it, these bills they currently have are part of that. I have been paying them what I can when I can. My family barely has food because I use this money to pay my debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I called and made a payment on my Citi Best Buy card of {$50.00}, on Saturday XX/XX/XXXX, it cleared my bank on Monday XX/XX/XXXX. They show no payment being made. They said I have to fax proof of my payment, not just a statement, it must be an electronic transmittal form that I pick up from the bank. 
It may take 7-10 days to settle the dispute, which means my payment will be late and I will get a late fee. This card is also part of a fraud dispute, someone got ahold of my number and tried to charge {$1000.00}, which didnt go through, only because I didnt have the funds available. When I called them they said to check my account for other charges that I may not have done. I did find one other charge for {$99.00}. The representative that I spoke with on Saturday said she credited my account for the {$99.00}, and that my new balance reflected the credit. When I called today, I was told it is not instantly credited to my account and may take 7-10 days. So Im sure you can understand my frustration of finding out my card has been hacked, and being told it was credited instantly to my account, and then today when I call, my balance does not reflect the credit or my payment!

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 2019-11-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please CFPB, send attached documents to XXXX XXXX and Equifax credit bureau. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD

Complaint narrative:
USAA manages my checking and investment accounts. 6 days XXXX XX/XX/2019 I requested a transfer of XXXX dollars from a mutual fund with USAA to my checking account with USAA. USAA at present has no record of the funds, can not find the funds and is stating it may be several weeks before the funds can be found. 
I feel this is unacceptable and feel there may have been a theft of funds by the USAA employees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
I called and asked why they keep calling me. I make my payments on time. They saidmy number was connected to another acct. the lady said she would fix it my acct was fine. 1 hour later I get another call. I try to call them back to question them and now my calls dont go through

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
citi Costco card charged {$3000.00} FRAUD -- -- not authorized ... .. Going on for months. Citi won't issue CREDIT. Numbers used NOT card. XX/XX/19 XXXX XXXX XXXX XXXX crooked lawyers ... .... # 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 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
When I attempted to log-in to my account and use my card, I was not able to. I contacted the telephone number and was informed by the customer service agent that my card had been closed due to inactivity. She claimed that I was mailed a letter back in XXXX, 2019. I did not receive any such letter. Upon asking whether I could re-open my account, I was put on hold and the decision was made that I could not re-open my account. I asked what this decision was based on, as I have good credit and always paid on-time. Both the agent and then also the manager could only tell me that they could not re-open due to inactivity. 
Such a decision has impacted my credit score, as this is the oldest account I have had. When I believed I was using credit responsibly, I have been negatively affected by a lowered score - as one of the reasons listed under my credit score ( which is actually Good ) is that my oldest account is too new. With just a few more points, my credit would be " Excellent ''. 
Additionally, when I requested to know how they decide to re-open some accounts and not others ( how these decisions are made, and by whom ), I was not given an answer. 
Without a clear reason how and why these decisions are made ( which directly impact a person 's credit score ), discriminatory or biased practices often result. 
Furthermore, if a decision is going to potentially impact a consumer 's credit score, the credit card company should rely on more than one way to notify a person. Mail is not the most reliable method, they should also send email and notify joint account holders.

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 2019-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
I completed my Trial Period Payments leading to a permanent loan modification with Fay Servicing on XX/XX/2017. They have not abided by the permanent loan modification contract. Fay Servicing continues to charge me ESCROW when my first mortgage with XXXX has the ESCROW. Over and over again I have provided proof of another lender ; the 1st lien, having ESCROW which covers all of my homes taxes and homeowners insurance. I have recently refused to pay anything above the principal and interest payment. There is also a Suspense ( Unapplied Funds ) in the amount of {$430.00} that Fay Servicing is holding but they continue to say I am in default. This has not only been detrimental to my credit score which is now XXXX thru XXXX and shows I am 3 months in default, I have also received an ACT 91 for the default when I continue to pay my Principal and Interest each month excluding the last two months because they actually owe me money at this time. 

I have had numerous Fay Servicing Relationship Managers in the last year and with each change, there are promises for corrections to no avail. If I do not comply with the ACT 91 process, they will more my loan into foreclosure. This is the last thing I need or deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This account had already been settled to XXXX balance and it is not reflecting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage notified my real estate agent on XX/XX/2019 that the foreclosure activity was on hold to allow for review of the short sale I requested. The representative who advised of the hold is named XXXX and she stated her ID number is XXXX. Unfortunately, when they called back today, they were told my file was kicked out of review and my home is immediately going to foreclosure sale on XX/XX/2019 without time for us to process the short sale. As the hold was so quickly removed, we do not have time to counter the buyers, obtain an appraisal on the property, or even for me to find a place to relocate, as this is my primary residence. I am shocked and hurt that Freedom would be so predatory and deceitful, as to tell us one thing, only to recant a whole week later with such insufficient time.

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 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Tesla, Inc.
State: LA

Complaint narrative:
I was placing an order through Tesla using their website. The page crashed but my credit card was still charged. They are now refusing to reverse the charge.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: LA

Complaint narrative:
I received a collections letter on XX/XX/XXXX for a principal amount of {$100.00} plus late fee of {$15.00}. This debt is to the company of XXXX XXXX for garbage disposal at my residence. This company quit servicing my residence in the beginning of XXXX after the flood of XXXX. 
I never received a bill for this service, much less notification of non payment. 
I called and spoke to a representative, I asked them why is my balance {$100.00} when my normal fee for that bill would have been $ XXXX? I was told the extra amount was late fees, even though the bill says the principal is {$100.00} plus {$15.00} late fees, and I have to say again that I never received a bill.

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