vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Received contact in regards to a debt that was 9 or 10 years old. Attempting to collect and threatening legal action against me. Stating needed to resolve within 72 hours not giving enough time when I have had no original information on the threat. Not giving reasonable or affordable options. At one point was homeless after getting separated from the military. So is a debt that was many years ago and haven't received any notification in years and just now threatening wage garnishment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
This company is now under the name of XXXX. I spoke with a representative a few weeks ago and she was kind enough to help me with my account and extremely pleasant. Unfortunately I had to call the company again because my account number for payments to be withdrawn was not changed. I called and all of a sudden they are unable to transfer me to specific extensions and they are unable to move payments something that was JUST done for me. Mind you I spend an hour of my time going through this ridiculous customer service merry-go-round that go me nowhere. Every time I requested a manager, I was told that they don't have managers, they have supervisors ... same thing! And I haven't had my issue resolved, which is going to result in me defaulting on my payments and affect my credit when it was this company 's error that this happened in the first place! They have changed their customer service and are outsourcing and I am not protected as a consumer. I am being asked more personal information every time I call and I feel deceived and leery of every doing business with them again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Skopos Financial, LLC
State: FL

Complaint narrative:
When making payments above the minimum amount due, this company does not automatically apply those funds towards the principal. It is instead held back and given as a credit on the next payment. This company wrongly collects interest on the portion of the loan that should have been paid down on the principal by with holding the funds instead of applying them to the principal. 

Also, while trying to apply a payment through their website, regardless of the browser used, and even by following their directions to allow 3rd party cookies, the website will not allow you to make a payment. You either have to send in a check, or call their automated service, which results in a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX has called me several times from Unknown Number. They called three times today and I answered the third time ( XX/XX/XXXX ). I asked them, isnt it illegal to call from an unknown number, and he stated that his company does not do anything illegal. They also called me from an Unknown Number twice on Thursday, XX/XX/XXXX, and I did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: FL

Complaint narrative:
This bill should not have been given to me. This was fraudulent activity that was done, and billed to the incorrect person. When dealing with this before, it was removed several months ago ( {$640.00} ). Now, it is back on my credit report and this is stopping me from closing on a home. This bill does not belong to me. I am very upset. This is not fair for someone who works hard, pays taxes, and pays bills all of the time. I sent multiple letters, and it was once removed from my credit report. Now, it has reappeared within the last two months. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: WA

Complaint narrative:
I RECEIVED A SMALL LOAN OF {$700.00} WAS TOLD OVER THE PHONE MY TOTAL AMOUNT OWED AFTER APR WAS XXXX DOLLARS, I HAVE NOW PAID OVER 3000 DOLLARS!! AFTER DOING THE MATH MY APR IS OVER 637 PERCENT!!! THIS HAS TO BE ILLEGAL. NOT ONLY DID THEY LIE ABOUT HOW MUCH OWED AT THE END OF THE INSTALLMENTS THE 637 PERCENT APR IS UNETHICAL AND A SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This data aggregator has collected source data from a county government indicating that I had pled guilt to 3 Felony Convictions ; Possession of Controlled Substance in XXXX XXXX County on XX/XX/2014. This is not me. The DOB that this provider used and is using as the data provided to their customers is XX/XX/XXXX - XX/XX/XXXX. It is therefore not specific to me. They also used a subset of my name to not include full middle name or proper suffix. I was turned down for a lease because of this inaccurate and defamatory information. I also believe that has crept into credit reports under a category of Derogatory Personal Information. This then propagates into every credit union and other organizations ( ie, employers ). These people must be more rigorous and be punished for these inaccuracies. There 'website ' offers no way to complain to them and no address to correspond with them. Hole in the wall aggregator of inaccuracies harming thousands of consumers. I want them penalized. I want them to clean up their act or withdrawing from this service business.

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 2018-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I filed complaint number XXXX on XX/XX/2018. I am posting the details from that complaint below. On XX/XX/2018 the company responded indicating that they would honor their original offer. They indicated that I should go to www.balancetransfer.citicards.com and complete the offer there. After several ties I am still unable to take advantage of the promotional balance transfer that Citi originally offered me I have reached out several times to the representative in the executive response team listed in the letter I received to no avail. 

Here are the details of the original complaint : I applied for a Citi Double Cash Card on XX/XX/2018. As part of the account opening disclosures, Citi advertised 18 months no interest on balance transfers if you completed the request within 4 months of account opening. I received my new card in the mail and registered for online account access. At that time the offer was available, but I was not ready to take advantage of it. I came back to take advantage of the offer the first week of XXXX  and saw it was no longer available. I contacted Citi and they said they would review my account and apply the offer within 5 business days. Instead, I received a letter in the mail indicating they would not be honoring the offer.

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 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submit these ongoing issues from creditor and credit reporting bureau Equifax. I have requested several times for Equifax to verify and correct misinformation and balances on my credit file all which come back verified disputes. I ask that you request credit history from XX/XX/XXXX in regards to XXXX XXXX XXXX. On XX/XX/XXXX creditor States current balance is XXXX. On XX/XX/XXXX reported to Equifax in dispute balance XXXX. On Credit history for XXXX XXXX from XX/XX/XXXX. I have submitted several times billing documents for hospital proving Medicaid coverage, however disputes continues to verify information. On top of my information being taken in the breach, I am now going back and forth with disputes that are known discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Federal Adjustment Bureau, Inc.
State: FL

Complaint narrative:
XXXX # XXXX needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and I have filed several reports about new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.These debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The accounts XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).

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 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/18, I saw a {$19.00} charge ( posted XX/XX/18, ref. # XXXX ) on my XXXX XXXX statement , listing TransUnion as merchant and listing toll-free no. XXXX. [ See attached detail in .pdf of credit charge from XXXX online acct. ] I called the no., but because it was a weekend, no reps. were available. I called XXXX and indicated it was an unauthorized charge, since I had not ordered or signed up for any paid service from TransUnion. ( In the last month, the only thing I did was visit TransUnion 's website to create an online acct./profile, to enable me to temporarily lift my longstanding credit freeze online at a future date, if necessary. ) XXXX credit card 's rep. promptly accepted my disputed-charge complaint and reversed TransUnion 's charge. Only the next day did I notice, when I saw my XXXX online acct., that the {$19.00} TransUnion charge was listed as " Recurring. '' Today ( XX/XX/18 ) at XXXX Pac. time, I called TransUnion 's toll-free no. and spoke with tel. rep. XXXX ( employer ID # XXXX, based in XXXX ). I told her about the unauthorized charge and she sounded as if she didn't believe me. I explained I'd registered as a user on TransUnion 's site a few weeks ago, but had not signed up for any paid services. 

I asked what documentation or other authorization TransUnion had on file to justify their charging me $ XXXXmo. XXXX tried to change the subject and said she couldn't find any credit card charge on their system -- even though I was looking at the charge from XXXX 's online access, and had already given her the ref. no. and posting date. She didn't answer my question about what authorization docs. would allow TransUnion to charge me on a monthly basis. 

Then she asked for my complete credit card information, and I told her I was uncomfortable giving her this info. She said she needed it to complete her 'investigation, ' but I declined. This sounds like a scam ( if it was not, in fact, TransUnion 's real tel. no. ), and if it was TransUnion 's no., then they are charging consumers without authorization -- she never told me what the {$19.00} mo. recurring charge was intended to cover.

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 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I filed bankruptcy on XX/XX/XXXX and finalized it in XX/XX/XXXX. This information should not appear on my credit report as the Courts do not report this information. Please look into this and remove both derogatory marks from my credit reports. I have submitted several inquires and have been told the information is correct, but have not been provided proof.

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 2018-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I filed bankruptcy on XX/XX/XXXX and finalized it in XX/XX/XXXX. This information should not appear on my credit report as the Courts do not report this information. Please look into this and remove both derogatory marks from my credit reports. I have submitted several inquires and have been told the information is correct, but have not been provided proof.

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 2018-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX has called me several times from Unknown Number. They called three times today and I answered the third time ( XX/XX/XXXX ). I  asked them, isnt it illegal to call from an unknown number, and he stated that his company does not do anything illegal. They also called me from an Unknown Number twice on Thursday, XX/XX/XXXX, and I did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Good Evening... I am XXXX grad- student at XXXX XXXX University of the year XXXX. There had been a garnishment put on my student loan by the company NAVIENT IN XXXX. They are taking out XXXX then and now.. The amount of the loan has been met. But the company refuses to let go of returning money overdrawn now.. This amount is XXXX. The amount of my social security that I get now is XXXX the amount of increase for the new year allows me to receive now, XXXX This is the amount that is suppose to be going into the account, but is not.. The Department Of Education is garnishing XXXX still.. I tried to go into the social security office to tell them that the garnishment was still being taken.. they put it under investigation in XXXX It was found from there treasury commission office that they were at fault and needed to cease the garnishment.. But they never did.. My bank whee my deposit goes thru says that the money is being taken after it leaves the social security office.. So, please help me with this issue.. This garnishment has been taking place for over XXXXyears..HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Medical Data Systems, Inc.
State: PA

Complaint narrative:
XX/XX/2018 XXXX XXXX from XXXX XXXX XXXX XXXX called my work and left a message about debt on my office phone. I work for a county government agency and the phone line called on is county government property not for personal use. 
The collector got through to my private work extension so I would think they misled the operator as to the nature of the call. 
I share an office and the nature of the call/message was likely audible to others. 
As the number is a county government line not personal I may be reprimanded. 
The number is for a county government XXXX XXXX XXXX XXXX. Common sense and etiquette should prevail.

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 2018-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo is charging me overdrafts on days I receive my Direct DEPOSIT and then posting correctly. As on XX/XX/18 I received a direct deposit and after it cleared up my overdrafts I had XXXX I then charged XXXX and they charged me a XXXX overdraft. I also had money deposited all weekend. They are not applying the overdraft rewind correctly and I have multiple deposits. I have been overcharged overdrafts in excess of XXXX And XXXX of them not correct. They are also charging before items post and also not posting direct deposits correctly. Causing more overdrafts even when trying to deposit money to make current same day they are screwing up. Everything I deposit seems to just cover their fees which is ridiculous

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
TSI has been calling me for collections regarding an Auto Insurance Policy with XXXX of Michigan from 2012. I explained that this is not possible and that the policy would have been under my husband who has gone thru Bankruptcy and would have had this discharged. I also explained that this debt was for a [ policy from 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Integrated Mediation Solutions LLC
State: MS

Complaint narrative:
I was contacted on XX/XX/18 by a Ms. XXXX XXXX. She stated that she works for Integrated Mediation Solutions. She stated that I owed XXXX to a XXXX XXXX, and they would be filing a wage garnishment as soon as possible if it was not paid. She was very forceful and began yelling at me about making the payment. I told her I would need to contact an attorney and she stated they would not be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22 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: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: TX

Complaint narrative:
I submit these ongoing issues from creditor and credit reporting bureau XXXX. I have requested several times for XXXX to verify and correct misinformation and balances on my credit file all which come back verified disputes. I ask that you request credit history from XX/XX/XXXX in regards to Habitat for Humanity. On XX/XX/XXXX creditor States current balance is XXXX. On XX/XX/XXXX reported to XXXX  in dispute balance XXXX. On Credit history for XXXX XXXX from XX/XX/XXXX. I have submitted several times billing documents for hospital proving Medicaid coverage, however disputes continues to verify information. On top of my information being taken in the breach, I am now going back and forth with disputes that are known discrepancies.

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