vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 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: PA

Complaint narrative:
XXXX and Experian are continuing to report incorrect information on my credit report.

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. They are verifying this item with out any proof.

I sent 3 validation request letters to the creditor. I received one response stating they could not locate any information about this account linked to my name address. The 2nd letter was a {$640.00} invoice. This is not validation or verification of any debt. I also called the number for the company and was informed they couldnt locate any account linked to my name and address.

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: MS

Complaint narrative:
On XX/XX/18 I received a telephone from a woman stating she was with XXXX XXXX XXXX and that she was attempting to collect a debt. I asked the lady to cease and desist in calling me on my job. She became very hostile and noted that she would not and that upon signing a contract that i have not seen or had knowledge of that she had the right to contact me and that she would continue. She told me that she had a court summons and that she was going to serve it on my job. I asked her again and also told her to contact my attorney. I am under Chapter XXXX currently. About 3 minutes later a man called and asked for the Human resources department. He was given the phone number. About 3 minutes later he called and asked to speak to me and noted that the HR Department informed that he could not deliver a summons on their property and insisted in an angry voice that I give him a home address. I inquired as to the address that was listed and he mentioned a PO box I told him to send it that he noted that he would not and that he was going to serve it on my job whether my company liked it or not. He then hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX, bought a large rug in XXXX at start of vacation for {$1000.00} XX/XX/XXXX : Called and filed a dispute with Chase XX/XX/XXXX : Merchant responded with fake invoice saying we bought fabric, shirts, and other materials and walked out the door with merchandise XX/XX/XXXX : Chase reinstated the charge XX/XX/XXXX : We responded to the charge back and provided addition evidence. Geo tag of photo of rug we bought, date, time and location.

XX/XX/XXXX : Contact Chase again. Service rep said she re-opened the case.

This continues round and round ...

XX/XX/XXXX : Chase says that they reviewed to determine if " a billing error occurred '' and since none did we are responsible for the charge.

Chase refused to acknowledge the fact that A ) we did not receive the rug. B ) the bill the vendor provided was clearly fake ( had round off line to make total match total on cc ). Chase seemed to be trying to narrow the issue and say that since the cc charge was valid we are are responsible for the charge.

XX/XX/XXXX : I responded and said that we do not agree with their conclusion and pointed out their narrow perspective in their response. I did say that if I didn't hear back from them we would have to follow up legal action. At the time I thought we should file a small claims case. I have since decided to file a complaint via the CFPB.

No response from Chase to my written letter.

We have paid the charge so that we don't hurt our credit in the meantime. But now we would like to try to recover the {$1000.00} since I was always under the impression that we were protected when using a credit card for purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/XXXX transfer bal. {$6500.00} bal transfer fee of {$260.00} 0 % interest for 12 mths XX/XX/XXXX transfer bal. {$2700.00} bal transfer fee of {$100.00} 0 % interest for 12 mths XX/XX/XXXX {$1700.00} bal transfer fee of XXXX XX/XX/XXXX transfer bal of {$6600.00} transfer fee of {$260.00} 0 % interest for 12mths Wells Fargo is applying all my payments to each bal instead of taking it off of my first bal from XX/XX/XXXX and deducting it and paying this off. This is not what it says online when you transfer. Only 12mths plus 4 % bal. transfer fee.

Extremely misleading and I called Wells Fargo and they said that they would no help 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 2018-08-29 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: PA

Complaint narrative:
Equifax and XXXX are continuing to report incorrect information on my credit report.

They are reporting : XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX They are verifying this account as accurate. They have informed me they are not required to provide me the documents they used to verify this account. They are verifying this item with out any proof.

I sent 3 validation request letters to the creditor. I received one response stating they could not locate any information about this account linked to my name address. The 2nd letter was a {$640.00} invoice. This is not validation or verification of any debt. I also called the number for the company and was informed they couldnt locate any account linked to my name and address.

On all my official documents. Drivers license, passport, bank statements, W-2s etc my name full name is used. XXXX XXXX XXXX. This account does not. Also this account is associated with an addesss I ever lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
First my mortgage was sold 3 times in the past year. It went from XXXX XXXX to XXXX XXXX   to XXXX XXXX to finally the worst of them all, New Penn financial. Starting XX/XX/2018 the first letter I got from XXXX XXXX XXXX was that they were going to default my mortgage due to non payment. I was very upset, called them, and setup auto pay. I get another email ( not mail ) on XX/XX/XXXX, saying that if I dont resolve by tomorrow they will default my loan. No one ever called, or left any messages, called them on the phone, they said I didn't pay, and now they want to tack on a {$92.00} late fee. They also said its okay to not pay the late fee, but just to keep the late fee floating on there, then they continued to say that it was I that put a stop on the auto pay ( which I did not ). 

I have strong beliefs that they are trying to default my loan. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I had signed up for a small loan with the comapny Money Lion early XX/XX/2018. The loan was for {$600.00} to be paid in weekly installments of approximately {$24.00} at 5.99 % interest. It wasn't clearly explained that I would also be signing up for their membership with a fee of approximately $ XXXX/week as well. 

I paid the loan off and the weekly membership fees late XX/XX/2018. I request that my account be closed since the loan was paid off and I could not afford weekly fees. I was not sure what use the fees were, but I was desperate and needed the {$600.00} for rent. On XX/XX/2018 I called to close the account. The rep on the phone said she would try to run an ACH payment but it wouldn't clear and I could not close the account with pending transactions The company takes 3-5 business for ach payments and I would have to call in exactly after the transaction cleared from the prior week but before the following payment went into queue. I asked if I could pay with a debit card the next morning if that would be faster. She said if I called first thing ( XXXX pacific ) then I could pay and close the account. 

I called at XXXX on XX/XX/2018 and was told I couldn't process my debit payment because the ACH payment was already charged. She also explained that there were two more payments on my account that would have to be paid before it could be closed. I called back at XXXX to explain that I got a notification that my payment had cleared from the prior week and to see if I could process the payment and close the account. The representative said they had to escalate the issue up and said they would try to cancel the payment. No word back on the status while the payment is still pending. 

Because I was unsure of all the payments being processed I called my bank to put a stop payment earl this morning ( XX/XX/2018 ) on all fees being charge from this company. I am in process of sending a letter to the office address to state in writing that I want my automatic payments to stop and to cancel my account. 

I am a survivor of a XXXX XXXX and suffer from XXXX. I can not handle the stress of this company their lending practices. I feel victimized by their methods to never get out of paying almost {$130.00} a month for a service that offers no benefit, after then loan has been paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This company is the WORST I have ever experienced. 

They STILL after 8 months have not been able to identify the problem with logging in with my account to make it easier on my life. 

I have wasted HOURS of my time and STILL NO RESULTS. 

No one has sent me any information. No one has reached out to me. All they have done is wanted their money. 

Customer service rating ZERO out of 100.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hewitt-Capital
State: CO

Complaint narrative:
XXXX XXXX calls back to back XXXX XXXX calls back to back XX/XX/XXXX XXXX calls back to back XX/XX/XXXX called reference and told reference that I have an outstanding balance and they were lookin to serve me at my job. 
XX/XX/XXXX XXXX calls back to back When I answered the call XXXX stated I was behind and a previous payment didn't process. He never gave me a mini miranda nor did he verify if he was speaking with me. I then then asked if he knew that it's considered harassment to call my phone back to back. He goes to say, ma'am you owe an amount to XXXX XXXX XXXX if you don't want to be contacted we'll have to send the state to your job. Then he hung up the phone. I called back and he answered and said have two forms of ID when we visit place of employment and hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ZARVAD III S.A.
State: MS

Complaint narrative:
On XX/XX/18 I received a telephone from a woman stating she was with Simms and Associates and that she was attempting to collect a debt. I asked the lady to cease and desist in calling me on my job. She became very hostile and noted that she would not and that upon signing a contract that i have not seen or had knowledge of that she had the right to contact me and that she would continue. She told me that she had a court summons and that she was going to serve it on my job. I asked her again and also told her to contact my attorney. I am under Chapter XXXX currently. About 3 minutes later a man called and asked for the Human resources department. He was given the phone number. About 3 minutes later he called and asked to speak to me and noted that the HR Department informed that he could not deliver a summons on their property and insisted in an angry voice that I give him a home address. I inquired as to the address that was listed and he mentioned a PO box I told him to send it that he noted that he would not and that he was going to serve it on my job whether my company liked it or not. He then hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: CASHCALL, INC.
State: CA

Complaint narrative:
I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. This company requested that I provide detail proof of my identity theft. I sent this company my dispute, Police report and my identity theft report on XXXX but to my surprise this company have not removed the fraudulent account and keeps on reporting on my credit report within the 4 days as required by law : Again this account is fraudulently reporting on my report, please delete asap : 1.Cashcall Inc. XXXX XXXX XXXX -This Account is Linked to fraudulent charges, PLEASE DELETE This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

Attached herewith : 1. My dispute i sent to this company on XXXX 2. My police report 3. my FTC report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: CT

Complaint narrative:
i was told by so XXXX XXXX that collection activity would start 60 days after the date of the final bill which was XX/XX/XXXX -- barely a week later I was contacted by ic systems who started by asking personal verification questions .. I acknowledge i am XXXX and asked more than once who she was and what her call was in reference to she continued to sate it was a personal confidential matter and asked for more verification questions I told her I was in public and would not spout off persona info. I asked her again for the company info and stated I would block the number form calling me if she did not answer my questions she did not so I hung up in her face. In an age of fraud and identity theft and phone scams I doubted this was even a legitimate call until I called back in. I do not wish this company to contact via phone at all .. not at all until the time frame specified by the gas company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: LA

Complaint narrative:
I am a victim of identity theft and I submitted an ID Theft package based on instructions from the FCRA 605B which included a signed FCRA Affidavit, police report and proof of my address and identity. However, all 3 bureus only processed part of my request and left several fraudulent accounts still reporting. They stated that the accounts were verified by the creditor which is impossible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: LA

Complaint narrative:
I am a victim of identity theft and I submitted an ID Theft package based on instructions from the FCRA 605B which included a signed FCRA Affidavit, police report and proof of my address and identity. However, all 3 bureus only processed part of my request and left several fraudulent accounts still reporting. They stated that the accounts were verified by the creditor which is impossible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is aggressively attempting to collect on debt that is not mine! They started calling me last year stating I owed them {$4000.00} for some apartment complex. When I contacted apartment they showed me contract that had my name but did NOT have my signature or date of birth and I never lived there!!!! this was not my debt to begin with. however national credit systems keeps calling me at XXXX till after XXXX threatening to send sheriff to my house, sue me and to arrest me .... I tried to reason and was even willing to pay in settlement to make them go away but they came back stating that I owed on XXXX different accounts to them now ... this is a scam and should not be legal. they provided me with some leases that I never signed or resided at the complexes. Now they are calling my relatives, work and even got a hold of my co-worker this is absurd and unacceptable!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Have never received physical credit card, so I can not set up automatic payments or close the account. Customer service is scripted. There is no method for escalating calls. 

Approved for card in store in late XX/XX/2018. 

On XX/XX/2018 called about email advising me to set up my account. Didn't have card yet. Couldn't set up account. Customer service said card would be there within 7 days.

~XX/XX/2018 called back bc hand't received card. Customer service couldn't validate my ID with phone number. Said they would send " bank letter '' that I could use to validate ID. 

Called back several more times over the last month to repeat the above process. No bank letter. No card. Still can not access 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 non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CHOICE CAPITAL FUND
State: FL

Complaint narrative:
I believe that the loan I have with The LoanSmith is illegal in the XXXX of Florida ( my home state ) and may be considered predatory lending. The original amount financed is {$1200.00}. XXXX is 647.79 % with a total finance charge of {$6000.00} over the life of the loan, spread across XXXX XXXX XXXX ) semi monthly payments of {$360.00} which began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH, and I have recently revoked my ACH debit authorization.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief