vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-24 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: NC

Complaint narrative:
I submitted a dispute with Equifax XXXX XXXX, XXXX. I received an email that the dispute was completed on XXXX XXXX showing that my bankruptcy is validated by XXXX XXXX. I know this information to be false and that they did not verify it through XXXX XXXX. I have a security freeze on my XXXX XXXX account since XXXX XXXX, XXXX. I also contacted XXXX XXXX bankruptcy court and inquired if they furnish court information to the credit bureaus, was informed that do not. I believe Equifax is not actually verifying/validating any disputes but saying that they are doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I subscribed to XXXX app on my XXXX XXXX for a 30 day free trial. At the end of the trial I did n't want the service so I tried to cancel the service. It is impossible to figure out how to cancel the service. XXXX 's website says to go to the XXXX XXXX store on my XXXX to manage the account and cancel the service but the APP does not have a profile or any way to cancel. I was charged {$100.00} on XXXX/XXXX/XXXX by XXXX They gave a number to call on my bank statement and when I call the number XXXX it tells me to go to the website. And that 's continues the Marry-go-round. This is a major scam by XXXX, to not get any cancellations. And its close to fraud when they say 30 day 's free trial because of the " negative enrollment '' if you do n't cancel within 30 day they will bill. But it 's impossible to cancel so I 'll get billed forever unless you can help me and probably hundreds and thousands of people who are being bill and want to stop it. This really is Bank Fraud because the bank billed my for the charges. So Fifth Third Bank is billing for a company that is bilking the public out of millions of dollars. I e-mailed 5th/3rd bank and they told me I authorized the purchase by agreeing to the 30 day free trail and not cancelling before the 30 days expired. Please investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has refused to investigate my credit file ( initially started XX/XX/XXXX ). XXXX  and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules and subsequently the items in question must be removed. Please investigate this pattern of gross violations of my rights.

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX   XXXX XXXX-XXXX  XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$320.00} XXXX XX/XX/XXXX {$9600.00} XXXX   XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$3100.00} XXXX XX/XX/XXXX {$160.00} XXXX   XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$76.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00}

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 2017-11-24 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: GA

Complaint narrative:
I sent an email to equifax that the car loan with XXXX was paid in full and should not be showing an open balance. I got the run around that I had to send another request to someone else. I think that is hog wash. The ball is still in their ball park. They should have taken the initiative to forward that email to the correct person. They are the ones who have it wrong. I should not have to go through a song and dance with 20 different people. I think these so called credit bureaus have too much power over information that should be more readily available. The account has not been updated since XXXX of 2017 when the account was paid in full. I am trying to get my credit score repaired so I can get a reliable car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I woke up today to a collection on my credit report from this company CONVERGENT XXXX it says the original creditor is XXXX and it was opened in XXXX XXXX i monitor my credit religiously and i have no idea who this company is and i never opened or owed XXXX anything in XXXX XXXX this same company has been harassing me over the phone for a month whenever i told them to send me something in writing about this account they hung up on 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 2017-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Evergreen Financial Services Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I received approval for a {$500.00} installment loan from Evergreen. I made the first few payments in XX/XX/XXXX, then on XX/XX/XXXX entered into a contract with XXXX XXXX XXXX to assist with settling a few pay day loans. 

Evergreen received a Cease and Desist order and a Power of Attorney from XXXX XXXX XXXX  on XX/XX/XXXX, but still processed the payment and have not ceased contacting me regarding the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hi, about three months ago in XXXX I opened an ebay account for the first time for a one time transaction in selling my old phone.I did n't plan to continue using either ebay or paypal any longer for any reason. After this transaction was completed and I shipped out the item to customer paypal put a hold on funds and said that I would no longer be able to use their services. I nowdo n't have either my item or my money.I felt as if I got scammed because they said I have to wait 180 days to releases funds that they had already taken their fees from. I was not participating in any fraudulent activity and my account was in good standing. The customer also did not file any disputes or chargebacks against me. I just want my money back and do n't want to be another victim of Paypal 's wrongful closings and freezings of many acccounts. The amount being held that I will like released is {$490.00} I feel as if I have done nothing wrong to be hit with such a harsh consequence. 
Thanks for your help in helping me solve this issue. 

Paypal Case ID : Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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 — Problem with personal statement of dispute
Company: Conn's, Inc.
State: TN

Complaint narrative:
From the start I feel like they took advantage of me I told them I was n't a good reader they would have to explain it to me I did that so they can tell me face to face they never mentioned anything about 25 % interest being added to my {$12000.00} loan once I found out how much they said I owe on my credit report I immediately went up there and ask them to come and get it within two weeks of having the furniture

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received my bank of America monthly statement. I used to be a bank of America employee. I never use this account and the closest banking center is 45 miles from my home. Bank of America never notified me of any changes that would take place to my account and now I am being charged with a XXXX service fee. My balance was {$5.00} It was opened in XXXX of 2016. I  never received a fee prior to this. I called the customer service line and told them to close the account and waive the fee. After 30 minutes on the phone I was transferred to the collections department who informed me I will continue to accrue a XXXX a month fee and they are unable to close my account until I pay the negative balance of XXXX. She also stated I will receive another XXXX fee on my next billing cycle. I have no transaction history on this account. had they notified me that I would accrue a monthly charge I would have closed it earlier. I received no correspondence from Bank of America.

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 2017-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Ileagalally forclosed on mortgage, I faxed receipts to them that they said I did not pay, They tried everything to steal my house from me. Including having their agent go to the door and tell my renters that it was being foreclosed and that they would have to move. 
I had to pay attorney fees late fees foreclosure fees they raised my interest rate. I moved back to Idaho completely rearrange my life, Hurt my XXXX while moving.

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 2017-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Placed calls to XXXX, Transunion and XXXX in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.

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 2017-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc.
State: SC

Complaint narrative:
I began the application process of applying for a loan through Mountain Summit Financial online. However, when it got to the point of signing documents, I decided that I would not go with proceeding with the application, therefore I did not sign the documents. However, I received an email on XXXX/XXXX/17 from Mountain Summit explaining that I was late on a payment for a loan I " supposedly '' received from them. Because I never signed the documents, I never received a deposit from Mountain Summit Financial in either of my accounts that I hold with XXXX, however they charged my account with a return fee because they tried to retrieve funds that were not there. I checked my bank account records, both my checkings and savings, to ensure that I did n't miss anything and I have n't. I also tried to log into the Mountain Summit Financial portal, using the forgot password link, but it could not find an account associated with the email address Mountain Summit Financial used to contact me about the overdue payment. This whole situation is not right, and fraudulent, and I am unsure how they received my signature and my bank account information. This is really concerning.

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 2017-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio Recovery Associates has called us repeatedly this past month ( XXXX 2017 ) about a debt they say I have with XXXX. I have explained to them that I do not have an account with XXXX and they have the wrong person or the wrong information and to stop calling me. I also asked that they send the alleged debt information to me via the USPS. I have not received anything, yet they have continued to call, each call from different telephone numbers and area codes, even after being told to stop calling me over and over again. One day last week, they called three times within one hour from three different telephone numbers. The most recent call was from phone number : XXXX. I have blocked every number they have called from so far, but from reading online complaints against this company, they supposedly use dozens of different numbers to call and harass people. Unfortunately, I did not keep a log of dates or numbers after blocking them, but this is harassment and it needs to stop. Again, I do not owe any debt nor do I have an XXXX account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
Company reported debt owed and references Attorney on credit report. Did not notify me. I do not owe XXXX XXXX and closed any money on this account. There was no debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Placed calls to XXXX, XXXX and Equifax in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 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: LA

Complaint narrative:
Placed calls to Experian, XXXX and XXXX in regards to inquiries that were iniated by me. Was told by represenatives from each company that they were factual. Explained to the represenative that I knew what my credit situation was and that I would not be trying to get more credit with the way my credit was.

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 2017-11-24 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: CORELOGIC INC
State: FL

Complaint narrative:
I never gave authorization for credco to inquire as to my credit status. I would like that " hard inquiry '' removed from any and all credit reports. Thanks

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 2017-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have disputed this charge before with XXXX XXXX XXXX and it was removed years ago. They tried to charge me an erroneous shipping charge on items that were returned and shipped with incorrect sizes. It now has suddenly shown up as a collection on my credit 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 2017-11-24 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: Client Services, Inc.
State: GA

Complaint narrative:
I recently discovered my XXXX XXXX account was forwarded to a collection agency. I am disputing this matter, because I never received any calls, billing statement summaries, or XXXX XXXX Card. 
I am only willing to pay for the purchases made on the account. 

Furthermore, I am requesting that this negative balance in reporting be removed from the collection agency and all reporting agencies. I do not want this to reflect any derogatory information. I would like my credit reopened for future credit purposes and all fees removed. 

Again, please note that I never received any calls, billing statement summaries, or XXXX XXXX Card. I am a college student trying to establish credit and I do not want this to affect my present or future credit history. 

When contacting the financial institution I requested to speak with a manager three times. It was clear that he did not want me to speak to a manager. After insisting he later transferred me to a manager in recovery and he was very unhelpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
I receive a garnishment from Kramer and Frank for {$7400.00}. The judgement from XXXX/XXXX/09 with original judgement amount {$4300.00}. It stated that XXXX XXXX is the creditor and I havent ever had account with XXXX XXXX, I dont even know what type of creditor XXXX is. I dont think that this is my account. I contacted Kramer and Frank and they refuse to give me any information on this. And another thing why did it take them 8 years to contact me I have been in the same position for the last 10 years at XXXX XXXX and they tacked on 8 years of interest. This judgement is in my maiden name XXXX and I havent use that name in over 15 years. I am not sure what type of account this is but the statue of limitations should be up on this. I would like a refund for the money taken out of my pay check. I really need your help on this, because something is not right here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My payments have been approximately {$89.00} without the slightest wiggle room for any amount added to the balance strictly interest payments only. I have been faithfully paying that amount for 5 years no questions asked and the last four months I hit a terrible financial snag where I havent been able to make payments. 

Without my knowledge my auto pay was canceled, and my ability to make online payments was taken away. I tried to set up an online payment to be withdrawn on XXXX to make my account current by calling a representative from Wells Fargo but to no avail. At this point I feel Wells Fargo is pulling every necessary string to liquidate my account despite my faithfulness of paying every month for several years despite not having XXXX nickel taken off the balance owed.

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