vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-09 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: Conduent Incorporated
State: FL

Complaint narrative:
My account was hit with fraud beginning XX/XX/XXXX. I noticed XX/XX/XXXX. There were several charges on my account between 1000.00-1500.00 a pop. I called XXXX XX/XX/XXXX. They stated they would issue a temporary credit to my account. They sent me the paperwork to fill out several times. They also refunded some credit but did not for other charges. I called and spoke with several representatives. They provided me with names who is responsible for the fraud. I made is very clear I do not know who did this. I was told XX/XX/XXXX. To send another letter in stating I would like to appeal their decision. They said I was responsible for these charges and they would send me proof in the mail. They sent me a trans action history not the proof they said they were going to send. I was told on XX/XX/XXXX to send another letter. I have proof I send a letter from XXXX on XX/XX/XXXX. The first rep I spoke with said they received it. I asked to speak with a supervisor who said they never received it. ( So Confusing ) I have complied with all the rules with XXXX, no resolution at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
XXXX XXXX sends consumers information via the media to make consumers believe that they can repair credit issues. I personally contacted them to start credit repair and found out that the whole company is fraudulent. What was slated for repair back in XX/XX/XXXX did not even get resolved. Letters sent to creditors were never fixed as promised and the same list plus more items are published as of today in the year XX/XX/XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc.
State: TN

Complaint narrative:
On XX/XX/2018 Conns fraudulently submitted a payment for my loan to my savings account resulting in a non sufficient funds fee of XXXX XXXX dollars. I called Conns and was quoted a higher balance than I was suppose to have. I spoke to a representative at Conns about this matter. The representative advised me that due to them processing my payment and it returning due to lack of funds that the zero interest option would no longer be available and that I was now responsible for paying the interest on the account. I explained to the representative that I made my payment via checking account as I have done with every other payment prior to this one and what was the reason for them processing my payment via savings. The representative advised me that I chose the savings option for payment on the automated line. Be advised that the automated line system makes long pauses while making choices to process your payment and could of incorrectly have taken the payment in the wrong way. The representative advised me to send my bank statement in showing that I had the funds available in my checking account when I made the payment and that they would conduct a investigation. I called back several weeks later and was advised that although the funds were in my account they werent going to remove the interest. I feel that this was a deceptive practice by Conns to ensure that I paid interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I have told this company and XXXX XXXX XXXX several times that this debt was paid. I have made numerous phone calls and have forwarded the information showing this debt was paid multiple times. I have contacted both the creditor and the debt collection company multiple times. The creditor continues to send the debt to the collection agency and they continue to send me collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: TX

Complaint narrative:
The account/company name is XXXX/XXXX which is being reported on my Equifax credit report with a {$0.00} balance. 

Creditor Information : XXXX/XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX ( XXXX )  XXXX I have contacted Equifax to question the accuracy of this account and verification as I've informed them the account is not my account. The account previously reported with a remaining balance. Upon my contacts, the information has been changed and it is now reporting a XXXX  ( {$0.00} ) balance with the following statement : " You've paid off 100 % of the original amount. '' However, underneath the Payment History it is being reported as a " charge-off '' account for the current payment status and the worst payment status. 

I've contacted Equifax both via phone and writing. I've contacted Equifax on numerous occasions regarding various incorrect information that was being reported on my credit report. I've spoken with a representative at Equifax on XX/XX/XXXX in which I've received the confirmation # XXXX. I also spoke with a Rep at Equifax on XX/XX/XXXX and I received the following confirmation numbers XXXX and XXXX. 

I have also contacted the creditor in which I have received no form of correspondence in return. In addition, Equifax, has not sent any correspondence to me via mail or in writing ( or by no method ) in response to my complaints. 

I have reached out to both the credit bureau as well as the creditor with no help from either. This account does not show on any other credit reports. This issue has been very stressful for me. I am only seeking help and assistance in solving this issue. I would greatly appreciate any assistance you are able to help me in getting this negative account that is not my account " removed '' from my credit report please. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was informed on XX/XX/XXXX about my account reaching XXXX dollars. On XX/XX/XXXX at XXXX XXXX. my payroll check posted a shortly thereafter I made multiple transfer to cover what was needed to cover my XXXX XXXX payment. Wells Fargo charged me an overdraft even though I had transferred money per their recommendation. I was surprised that later on in the day of XX/XX/XXXX I received an email from Wells Fargo regarding an overdraft fee as I had enough money in my account. I contacted Wells Fargo regarding the overdraft fee and informed them that I had a XXXX XXXX charge pending and needed the fee reversed due to the pending transaction. I received a generic response from Wells Fargo. This morning my account yet again reached XXXX dollars. I checked the account to find out that I was charged a {$35.00} overdraft fee for my XXXX XXXX payment. I sent Wells Fargo yet another email addressing this issue. For the record, I have not received any email from Wells Fargo regarding the latest overdraft charge. At this time I am left no other recourse than to file a complaint as Wells Fargo not addressing my concerns in a personal manner only via generic correspondence has become an ongoing issue. I am providing screenshots for a timeline and validation of my complaint. Thank you.

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 2018-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Went into an Ace Cash Express # XXXX at XXXXXXXX XXXX  XXXX XXXX XXXX, CA on Sunday XX/XX/XXXX Sunday and gave them {$620.00} to make a rent payment. The money was to be transmitted to an account number provided by a detailed invoice that had account number and biller name. Provided all the information and when the receipt was printed it didn't have any of the information that the receipts normally have in the same area. The store was about to close in 40 minutes. 
So if the receipt is missing vital information, that raises a red alarm. So when asked for a refund as soon as the receipt was given, the csr lady said it would not be a problem. The problem was that her manager had to approve the refund. Well she called the manager Named XXXX XXXX and when she explained the situation over the phone, XXXX XXXX told her to tell the customers to come back tomorrow and hung up. The refund was not guaranted either, it's just come back tomorrow. So after giving someone {$620.00} we are not going to walk away with any kind reassurance. We asked for a refund and the money has not been wired yet. How am I going to trust the same business that just acted like that. So the lady kept on calling and calling for ace corporate or any others manager. XXXX would not answer his phone or anything. So finally she got a hold of a lady manager and that lady finally responded and talked with me. I had her call me and she took my number, we left the store 20 minutes after closing. Then to make things worse there are people XXXX XXXX outside the store. Overall this situation was mishandled and should have been resolved really easy. Instead it was mishandled in the most irresponsible and lazy way possible by XXXX XXXX. It wasted everyone 's time money and the stress was so high the other customers couldn't even get proper service. I am still waiting for my XXXX call from the manager or a refund. There is no moral to this story, it's just someone being irresponsible and lazy. I've attached a photo of someone XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optimum Outcomes, Inc.
State: TX

Complaint narrative:
Upon reviewing my most recent credit report, I have found a third party medical collection account on my credit report with, XXXX, XXXX and XXXX with a company that does not have a surety bond with the Texas Secretary of State. According to Section 392.101 of the Texas Finance Code,  they are illegally attempting to collect this debt and are in violation of Chapter 392. I request that they stop reporting this debt and have it removed from my credit by notifying the said credit bureaus immediately. The company that this complaint is in regard to is stated below. 

Optimum Outcomes XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX Debt Amount- {$510.00} Opened on XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
I received a phone call 6 days ago from ( XXXX ) XXXX in New Jersey, registered to a XXXX XXXX number claiming to be from XXXX XXXX XXXX, XXXX saying I had a debt with HSBC and they were going to take me to court. They mention the debt was from XX/XX/XXXX and I had been making payments until XX/XX/XXXX ( XX/XX/XXXX to XX/XX/XXXX I was in the XXXX and not making payments on anything ). When they tried to get me to pay the debt, I told them they had called me and I didn't know who they were. I also asked for them to send me a certified letter in the mail outlining what this debt was. On Saturday, I received a first class letter in the mail on some generic letterhead outlining the debt. It included an Account Number. Using this account number, I called HSBC Recovery at ( XXXX ) XXXX, Option 2, to get information on this debt. They said it had been sold to XXXX XXXX XXXX. I called XXXX XXXX and they told me they this debt, but had sold it. They weren't sure who they had sold it to, but it would be either XXXX XXXX XXXX : ( XXXX ) XXXX or XXXX XXXX XXXX : XXXX. I called XXXX XXXX XXXX and they had no record of the debt, I tried XXXX XXXX XXXX, but for some reason am unable to call that number. 

I looked into XXXX XXXX XXXX, XXXX, They were registered as an LLC in NY in XX/XX/XXXX, the 're website XXXX XXXX XXXX was also registered in XXXX, and will expire in XX/XX/XXXX. Their website is also just a single page with no accreditations or badges, or anything really.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: FL

Complaint narrative:
I was notified on XX/XX/18 that a debt with XXXX was verified and the company sent me documents as proof with someone else 's name, address and vehicle description. The contract also has the name XXXX on it and not XXXX. I have tried numerous times with certified letters to get this resolved with the company itself but it continues to report false and incorrect information on my credit report and keeps sending me documentation with inaccurate data showing it belongs to someone else. There is no validation or verification of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
my XXXX elderly mom XXXX XXXX name was forge to a loan at XXXX XXXX that wells fargo own bank. before she XXXX she has been complaining about her loan was paid in full .no one reached out from wells fargo to see could fraud has happened to this elderly retired woman who is XXXX .she been writing back in forth. i found one of the response from wells fargo dated XX/XX/XXXX. i own the property now. im trying to see what happened on XX/XX/XXXX. still complaining about signatures on original loan. XXXX have been complaining before tens years about this loan. i need a copy of settlement statements, copy of check front and back of cashed if cashed was given. signature would be on back of check.proof of mortgage applications proof of income that was used to get mortgage .a copy of all pages of mortgage closing from title .wells fargo i need proof before i do any loan modifications. im entitled to know and have paperwork on what is owed and where is the payoff later from previous lender. why did the loan number change and when. the loan was not changed until after XX/XX/XXXX or when? im looking at papers from XX/XX/XXXX it was the same and now the loan number is XXXX what was the balance before you changed the loan number? provide me with paperwork on the change. why did you change it where is the paperwork from XX/XX/XXXX that XXXX XXXX XXXX gave you when you took this loan over how much was owed how many payments was made? .i need the paperwork showing what the loan was when you first got it to now. i need payment history from beginning to present .how much was owed when you changed the loan number explanation please with supporting documents. i need again every page of loan closing documents check signature on cashed check for the cash back received i have a write to read and investigate everything before i sign my name to pay any loans my mother had,. before i pay any money out or any loan modifications. waiting on paperwork .names of people that was present at closing .name and address of title company. what qyalified XXXX for XXXX loan with social security and penison unbelivable i also need payoff later from previous bank when XXXX supposedly had refinanced on XX/XX/XXXX. i need help. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: KS

Complaint narrative:
Contacted nearly everyday including my references. Not completely sure how to solve this when unable to pay

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 2018-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CO

Complaint narrative:
I have made a student loan payment to AES in the amount of {$280.00} every month for almost 15 years. Beginning in XXXX ( specifically XX/XX/XXXX ), I started to pay an additional {$300.00} per month which I expected to go to principal. Instead I was charged interest on my additional payment. When I called to complain, I was told if I combined the 2 payments, then the additional {$300.00} would go to principal. Beginning on XX/XX/XXXX I started making a {$600.00} payment per month. Again, I was charged the normal interest on the full amount and my additional payment did not ALL go to principal. I called again to complain and they told me since the interest is compounded daily, I would always be charged interest on an additional amount. This seems highly unfair and unethical to me especially given in my original promissory note it states, " I may repay all or any part of the unpaid balance of my loan at any time WITHOUT PENALTY ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: NC

Complaint narrative:
On XX/XX/XXXX I disputed an account from XXXX. Per the agency they submitted a deletion request due to this account not being mine. Spoke with representative of Transunion on XX/XX/XXXX and the representative stated this was not coming off because it was validated.

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 2018-04-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am currently being sued by XXXX XXXX XXXXXX/XX/XXXX and I believe the lawsuit falls under the consent order issued by CFPB. 

I am filing a complaint so that if the plaintiff is violating the consent order by failing to withdraw the case, the CFPB can take proper action against NCT for the violation. 

I am being sued under MD code 3-306 ( affidavit judgment for assigned consumer debt ), since the affidavits filed by the plaintiff are signed by a representative for Transworld Systems Inc, and they are swearing to personal knowledge of the debt, assignment of the debt, etc, I believe this qualifies as one of the lawsuits the consent order was attempting to address in paragraph 49. 

I greatly appreciate the time of anyone reading this complaint. Thank you for your time. 

-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial
State: NY

Complaint narrative:
I got a call from XXXX which comes up on my phone as " XXXX XXXX '' saying I owe XXXX XXXX. 

No clue who these people are and I dispute the entire transaction and think it is a scam debt collection.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: MA

Complaint narrative:
I received a payday loan from this company in amount of XXXX dollars. I made several pays to this loan. The amount never went down fact it went payment up. I called them asked why doesn't go down rather then up. They said because of the interested, I think this is very bad business, you want to pay-off but to expensive. So I was forced to revoke my electronic withdrawal. Looking into taking legal action into this matter. I really hope these type of compienes can be regulated better in future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09 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: TX

Complaint narrative:
The address that is file on with the bankruptcy is not mine nor have I ever lived at that address. This is not my bankruptcy. I request that this item be removed from my credit report. It does not belong to 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