vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-10 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: TIDEWATER FINANCE COMPANY, INC.
State: TN

Complaint narrative:
I PURCHASED A PRODUCT FROM XXXX XXXX XXXX THEY FINANCED IT THRU TIDEWATER FINANCE. WE HAD PROBLEMS WITH PAYMENTS BEING PUT ONTO THE ACCOUNT CORRECTLY SO IT WAS PUT THRU THE COURT HOUSE TO PAY PAYMENTS SO IN XX/XX/XXXX WE STARTED PAYING OUR 20 PAYMENT EVERY MONTH THEN WE STARTED PAYING MORE TO GET IT PAID OFF AND ON XX/XX/XXXX I RECEIVED A CALL TELLING ME IF THE BALANCE WAS NOT PAID THEY WAS GOING TO ADD FEES SO ON XX/XX/XXXX I PAID THERE LAWYERS OFFICE THE REMAINING {$650.00} AND I RECEIVED A LETTER THAT DAY STATING THAT IT HAD BEEN FULLY SATISFIED SO NOW ON MY CREDIT REPORT IT SHOWS CHARGED OFF AND IT WAS NOT I CONTACTED TIDEWATER AND THEY SAID THEY WAS N'T GOING TO FIX IT BECAUSE IN THERE EYES IT WAS CHARGED OFF EVEN THOU I PAID IT SO I NEED THIS FIXED ON MY CREDIT REPORT PLEASE IT WAS NOT CHARGED OFF THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ARS National Services, Inc.
State: IL

Complaint narrative:
I open up a XXXX acrd with my son and about 2 to 3mos I decided I did not need the card we went to the bank was told we have to bring our id and that they would remove me from the card no problem. we left couple of months later I ask my son how was he doing he said he was behind I ask him to let me help found out he was XXXX in debt ask why my name on here he said that 's how the bill come I was furious at him in XXXXXXXX XXXX  I called ask what happen they explain they cancel my cark but not me as the primary owner, I begin start making payments they would return payments I had no account number but I had the same ssi number still reyurn I called every day and finally they called me to make a settlement I excepted to pay XXXX for the XXXX. I had until XXXX XXXX I made the payments ontime finish in XXXX rcd a call in XXXX sayi been sent to collecton agency and I owe XXXX but I paid the settlement now I asking for a receipt from XXXXXXXX XXXX they say they do not give receipts and the ars national collection say I will have to wait a month until they review I have until XXXX XXXX help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I contacted XXXX XXXX on XXXX/XXXX/XXXX after reading on there website they said. We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. I advised the Rep name XXXX XXXX that I suffered from two XXXXXXXX  XXXX. She asked what they were I told her my illness are XXXXXXXX and XXXX. I had to explain to her what they were, she had no understanding of the illness. She began to google and read to me what the definition said. I told her that I was n't able to work and I was n't receiving any money from any sources. Then after I realized that she had no idea or understanding I asked to be transferred to a US Rep and she finally did. her name was XXXX XXXX and she was of no help. The more I had to repeat my self over and over my XXXX begin to flare up. I advised both of them that my health issue were not going to get any better.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: CA

Complaint narrative:
Writing to this company last XXXX XXXX, XXXX is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XXXX XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I have recently been contacted by this debt collector over 15 times. This debt was charged off over 10 years ago. It is already way over the Status of Limitation for debt collection. I have informed them many times that they can not collect on this debt and they continue to harass me call me at all times of the day and sending me messages. 

Despite me telling them they are NOT allowed to collect on this debt they continue to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My mortgage account was opened in XXXX and maintained since then. However, XXXX Mortgage is incorrectly reporting that my mortgage was included in my XXXX bankruptcy -- it was not. In fact, XXXX Mortgage currently carries the mortgage on my home -- I can supply the account # for further investigation. If it was included in the bankruptcy, why is my mortgage still in existence and current? 

This is my largest account and it is not reporting current fair information -- one of the negative comments on my credit report is that my mortgage company is not reporting. 

This incorrect, derogative information must be deleted from my Equifax Credit Report. The last report date was XXXX -- please report my mortgage account information as it is -- open, current and paid as agreed. 

Thank you!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AmeriCash Holding LLC
State: IL

Complaint narrative:
Complete information on interest rate was not disclosed until I signed for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Kohl 's department store reported me to the credit bureau on XXXX or XX/XX/XXXX for non payment. I just realized this today when attempting to refinance my residential property. 

I recall this whole situation as it developed starting on XX/XX/XXXX. 
* Balance of {$600.00} was due XX/XX/XXXX with minimum {$25.00} * Made payment on XX/XX/XXXX ( Sat. ) on Kohl 's website ( online ). Paid balance in full {$600.00} * Kohl 's received payment processed/cleared on XX/XX/XXXX * My payment cleared my bank on XX/XX/XXXX * Received monthly Kohl 's monthly statement XXXX &XX/XX/XXXX * I never looked at statements for XXXX & XX/XX/XXXX. Believing there was a {$0.00} balance. 
*XX/XX/XXXX received statement/bill highlighted in a different color. Opened this time. 
* Statement indicated a finance charge of {$1.00} for XXXX plus a late charge of {$27.00}. Same for XXXX {$1.00} for finance charge and late charge of {$27.00}. 
**Talked with Kohl 's customer service Rep. on XX/XX/XXXX. I outlined everything mentioned in this letter.Kohl 's Rep. said this should not have happen. 
XXXXKohl 's Rep action ; a ) Late charge for XXXX refunded ( {$1.00} ) XX/XX/XXXX b ) Late charge for XXXX refunded ( {$1.00} ) XX/XX/XXXX c ) Merchandise finance charge refunded for XXXX ( {$27.00} ) XX/XX/XXXX d ) Merchandise finance charge refunded for XXXX ( {$27.00} ) XX/XX/XXXX Lastly, this same situation happened 10+ years ago with Kohl 's . It  stayed on my credit even when Rep. said it would not. Its finally cleared years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Ace Cash Express has sent my non-payment to an attorney 's office and are trying to make me pay it back right away or they are filing a criminal case with the county I live in for fraud. I never committed check fraud. I gave them my banking information online when I applied and was approved for the loan, I was laid off and did n't have the money in the bank when they went to withdraw the money ( payment amount ), I did n't intentionally not have the money in the bank. I did not write them a bad check at all and I do n't want to have criminal charges filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am currently in the process of refinancing a loan through XXXX XXXX, my current provider is PNC. As part of the underwriting process XXXX requires that i show 12 months of statements from my PNC account, when i contacted PNC 4 weeks ago they stated they can not provide that information and I need to login to their site to get my statements, they proceeded to tell me i needed a pin to create an account they said it could take 5 business days. When 5 business days went by i called them back they stated i must have missed it?? so they supposedly sent another one again after 5 more days no pin so i called back to speak to a manager which to my surprise was not present at the cll center so again i requested a pin, another 5 days went by and no pin. My next step was to go to the local branch according to the local branch they were on a different system and could not provide statement regarding mortgages. It has now been over 4 weeks since my first request andI still can not access my statements no one has followed up and i feel as though i am being held hostage given i can not provide the necessary required info to refinance this is unbelievable that this kind of thing can happen. Given the review i have read this seems to be common practice for this organization and should be addressed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Macys has been calling me roughly 8 to 10 times a day, for a total debt i have of {$170.00}, even though i have paid every month ( anywhere between the minimum payment to a few hundred dollars so that my debt can go away quicker ), and the caller is an automatic voice saying to call the number XXXX XXXX XXXX to settle my late payment. My next payment is due XX/XX/XXXX and it is XX/XX/XXXX today and i am not late on my payments. When i called the XXXX number the debt collecting person working for macys was rude and cursed me out. Is this legal? I dont even owe that much money to macys ... .i owe a total of {$170.00} and they are acting as if i owe them thousands of dollars and that i havent paid my debt in months and months or something. Please do something about the Macy 's debt collection company because its not right to curse someone out and be rude for just {$170.00}!!!

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 explanation
Consumer complaint received 2017-10-10 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: U.S. BANCORP
State: CT

Complaint narrative:
( Elan financial ) is showing up in my credit report in hard inquiries. I do not recall authorization for this application. Do n't have much information regarding this because I did n't apply for this 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 explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
The atm at Huntington ( XXXX branch ) failed to disburse {$100.00} out of one of my accts at atm but gave a receipt and took funds from account. I filed dispute number XXXX on XXXX XXXX 2017. I am on Social security as is my brother who is on the acct with me. We can not afford them to hold our money. There is no reason that in a weeks time they could not know that atm had {$100.00} too much in it or look at cameras to see no funds disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have recently been contacted by this debt collector over 15 times. This debt was charged off over 10 years ago. It is already way over the Status of Limitation for debt collection. I have informed them many times that they can not collect on this debt and they continue to harass me call me at all times of the day and sending me messages. 

Despite me telling them they are NOT allowed to collect on this debt they continue to do so.

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 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
We currently have an open CFPB Complaint # XXXX on a matter of dispute with our loan servicer, Pennymac. Despite the matter being in dispute, this company wrongly charged our escrow account {$600.00} for payment of a disputed appraisal. The company has patently ignored the bonafide information we provided them to validate our complaint ; neither have they provided the name of the appraisal management company involved in order that we have opportunity to contact them on the matter. There is NO reasonable justification in law or equity why we should be required to pay for a fallacious appraisal. We have notified the company that we dispute this charge. We feel that the company should be compelled to reimburse our escrow account in the amount of {$600.00} until such time as the appraisal is fully corrected and revised to include all comparable sales data we provided Pennymac and the matter is resolved through the CFPB process. The company 's wrongful action will now lead to a shortage in the escrow account resulting in an incorrect escrow analysis and payment adjustment. We note that this company had incorrectly established an escrow account when last they performed their analysis in XXXX XXXX. Despite our contacting them to revisit this, they did not, forcing us to do our best to calculate the correct amount needed for escrow each month and submitting roughly an extra {$300.00} per month to preclude a shortfall.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
A wire transfer of XXXX from a XXXX Bank to 5/3rd bank in XXXX Kentucky was initiated on on XXXX. A typographical error caused the transfer to be rejected. The teller at 5/3rd bank, XXXX XXXX XXXX, was placed in direct contact with the XXXX Bank. XXXX XXXX instructed the XXXX institution on the exact name of the bank and routing numbers to use in the second attempt at the XXXX wire transfer which was placed on XXXX. The information provided by XXXX XXXX resulted in the monies being routed over an intermediary bank, XXXX XXXX. The wire transfer failed and a subsequent Federal Reserve investigation ( attached ) revealed 5/3rd rejected the transfer due to 5/3rd as " XXXX - No Account / Unable to locate Account ''. On XXXX XXXX was returned to the XXXX account after the failed transfer. A third attempt at the transfer with the exact same information resulted in a successful transfer. 

5/3rd was contacted via telephone to understand why a difference of XXXX was returned. The customer service agents hung-up on three consecutive phone calls. On the fourth phone call, a customer service representative named XXXX XXXX asked if I was familiar with wire transfer fees. When I responded affirmatively she tried to explain that the difference was a fee. When I pointed out that a {$750.00} fee for an unsuccessful transfer was a bit outrageous, she terminated the phone call. 

Multiple contacts with XXXX and her manager XXXX XXXX, XXXX at 5/3rd in XXXX, Kentucky resulted in not further information or resolution. An inquiry was started with XXXX XXXX with XXXX XXXX XXXX. After 1 month of seeking resolution, 5/3rd and XXXX XXXX became unresponsive and did not return phone calls or seek further resolution. The XXXX institution also attempted to contact XXXX XXXX XXXX, but he was unresponsive to their attempts at contact, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: LA

Complaint narrative:
Equifax is showing a credit card that I was not an authorized user on and is not my debt. The other credit bureaus have already moved it from their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: CA

Complaint narrative:
Writing to this company last XXXX XXXX, 2017 is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XXXX XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated.

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 2017-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc.
State: AZ

Complaint narrative:
Stellar Recovery is practicing unlawful credit practices. They are reporting a collection and flagging my credit report through XXXX weekly which has caused my credit score to drop by several points on a weekly basis due to their " updates ''. They should not be allowed more than the initial time of reporting the debt. 

They initially reported a collection from XXXX in the amount of {$190.00} on XXXX then flagged my account again on XXXX then flagged it again on XXXX. My credit score decreases between 3-6 points each time after a flag or " update '' as they call it. This is unacceptable and should be against the law. I need them to delete the two flags on my account and discontinue this practice. 

Also, I 'm currently waiting on Stellar Recovery to send me proof or verification of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XXXX XXXX I applied for a Merrill Lynch Visa Signature card from Bank of America. They pulled my credit twice on XXXX XXXX resulting in two credit inquiries. I only authorized one inquiry for the one account. XXXX XXXX needs a letter from Bank of America stating that only one credit inquiry should have been pulled. They have thus far refused my request for a letter of deletion to remove the duplicate inquiry 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 explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
After receiving a flood insurance payout from FEMA, Chase Mortgage seized our payment and required us to sign up through Insurance Claim Check to receive payouts. After months of being re-victimized by excessive regulations and paperwork, as well as a barely-functional website we 're encouraged to use, the work is done and we have moved back in, only because we were able to borrow money to pay our contractor while we waited for Chase/Insurance Claim Check. Our final payment requires a " 90 % inspection. '' I have been trying to schedule the inspection for a month. The maximum wait is supposed to be six business days.
Inspection scheduled online : XXXX/XXXX/XXXX Calls to customer service : XXXX/XXXX/XXXX ( inspection rescheduled ), XXXX/XXXX/XXXX ( told to wait one more business day ),  XXXX/XXXX/XXXX ( told an email would be sent to inspector ), XXXX/XXXX/XXXX ( told a personal email would be sent to inspector ), XXXX/XXXX/XXXX ( spoke with supervisor " XXXX '' and told that she would change vendors and call me personally on XXXX to make sure we had been contacted. I was never contacted by the inspector or XXXX XXXX, XXXX/XXXX/XXXX XXXX told everything would be done to make sure I was contacted in five business days.

Company response to consumer: Closed with explanation