vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Today Harris & Harris , Ltd. called me at work and asked me to provide my identifying information right away. Since my bills are being paid, and I have an agreement with a medical provider ( I live with XXXX XXXX ), I asked the agent what debt she was collecting. She told me I was not allowed to ask questions, and she was the only person allowed to before asking me to verify personal information. I told her if she was not answering my question, I was not answer hers, and I hung up. XXXX XXXX XXXX XXXX XXXX called an hour later. 

This occurred on XX/XX/XXXX a little after XXXX XXXX The next call happened a little after XXXX XXXX   Since I was working with a student remotely, I did not answer. According to XXXX : XXXX. How can you seek verification and validation of the debt? 

Debt collectors do not have to provide debt specifics during the initial call, though they often will. Collectors legally have five days from initial contact to supply it. This legal process, defined in the Fair Debt Collection Practices Act, is called verification. Simply asking, How can I request written verification of this debt, and getting the paperwork in hand, is good practice. ( A sample debt verification letter is here ). The process is also called validation. Any legitimate collector will not balk at requests for verification or validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
in a time when americans are dying, suffering and lost jobs and income, why ARE some banks forcing us to call each week or month to ask for waiver of fees? JUST WAIVE THE XXXX FEES!!! 

REGIONS is a bad bank with no empathy. Although it has waived last. month ; s maintenance fees it requires ME and ALL OF US to call back to ask for or BEG for the wavier when it can auto waive it due to COVID! 

it is shameful and regions should be closed down

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 2020-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Applied for credit increase at XXXX XXXX was denied increase because Transunion has my credit score wrong and not updated. My score reported correctly would have increased credit.

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 2020-04-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I enrolled in school 7 years ago under a military program where the military was paying for my school and student loans. I had an issue in my private life and the school said I would no longer qualify for licensing in that field once I graduated and dismissed me from the class even though I was eager to participate. I was denied the opportunity to complete the class. I found out later this information was incorrect. The school completely misinformed me and stopped me from completing the class. In addition to these issues US Dept of education is duplicating the accounts several times on my credit report and all are inaccurate. Gearing v. Check Brokerage Corp Cacace v. Lucas, 775 F. Supp. 502, 505 ( D. Conn. 1990 ) says this is against the law. Several times I attempted to discuss this with them, submit paperwork to them ( only for them to claim they never got it ). 
They are willfully, erroneously, and intentionally damaging my credit and my ability to obtain decent housing. This is a violation of FCRA as demonstrated by US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. They continue to refuse to correct this which is a violation of FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have gone through an identity theft situation within the last few months and i have been doing everything to clear this misinformation from my report as it is affecting me during these hard times greatly. someone tried to open accounts with different banks using my name. I have filed many paperworks with the bureaus to no avail. 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 explanation
Consumer complaint received 2020-04-23 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have gone through an identity theft situation within the last few months and i have been doing everything to clear this misinformation from my report as it is affecting me during these hard times greatly. someone tried to open accounts with different banks using my name. I have filed many paperworks with the bureaus to no avail. 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 explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CT

Complaint narrative:
On XXXX I agreed to pay {$180.00} with ERC for a debt. In return ERC agreed that the debt would be satisfied and release all claims. ERC cashed the check but as of XX/XX/2019 the items were still showing negative on my XXXX  and XXXX credit files. I disputed the item and it was removed from XXXX  on XXXX. The negative item was still showing on XXXX  so I called ERC on XXXX the first representative told me it would take 45 days to be removed. I then spoke to a representative on XXXX and was told they can not remove the item. So I started disputing the information with transunion .But XXXX  was still showing the negative item even after I showed proof the cashed check and the item being removed by XXXX  XXXX Since that time Ive sent certified mail to XXXX  to dispute this item but I still have no proof from XXXX  or ERC that the information they have is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM A VICITM OF AN IDENTITY THEFT, AND THE CREDIT CARD OPENED UNDER MY NAME IS FRAUDULENT AND NOT MINE. I HAVE SENT ALL REQUIRED DOCUMENTATION TO THE BUREAUS AND SEEMS LIKE ITS NOT HELPING THEM, I HAVE ALSO SENT THE SAME DOCUMENTS TO XXXX XXXX. THE CHARGES ARE FRAUDULENT AND THE ACCOUNT IS FRAUDULENT.

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 2020-04-23 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: CA

Complaint narrative:
I AM A VICITM OF AN IDENTITY THEFT, AND THE CREDIT CARD OPENED UNDER MY NAME IS FRAUDULENT AND NOT MINE. I HAVE SENT ALL REQUIRED DOCUMENTATION TO THE BUREAUS AND SEEMS LIKE ITS NOT HELPING THEM, I HAVE ALSO SENT THE SAME DOCUMENTS TO XXXX XXXX. THE CHARGES ARE FRAUDULENT AND THE ACCOUNT IS FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: PNC Bank N.A.
State: VA

Complaint narrative:
My wife and I applied for an auto loan refinance on XX/XX/20 using the online application at PNC. She was approved for the loan with a rate of 3.39 %. PNC informed us that we would need to go to a branch to close the loan and the rate was locked for 2 months. We checked the website and loan portal link on XX/XX/20 and confirmed that the rate of 3.39 % was approved and the best rate offered on their website. On XX/XX/20 she went to the branch in XXXX, VA. After collecting additional information PNC informed us the rate was now 0.4 % higher. After informing them that was not agreed upon we logged on to the loan portal to see the rate was changed just minutes ago. We had a screen shot as proof of the original approval after the branch manager claimed we had no documentation to support our claim. The best rate offered on their website was 3.39 % on XX/XX/20 as well. This is classic bait and switch. They were unable to close the loan that day and were unsure if they could resolve the matter despite our complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
This is a follow up complaint Referring to my prior complaint # XXXX XXXX XXXX. 
The company absolved me of the disputed {$600.00} and removed x1 XXXX $ late fee. 

The company is now giving me a minimum payment of {$300.00} due on XXXX XXXX. I just received this notification letter via mail XXXX XXXX. 

This amount includes interest charges on the disputed {$630.00}. 

The late fees from OcXXXX XXXX XXXX  add up to {$220.00}. The interest fees add up to {$20.00}. XXXX + XXXX. Not XXXX. A difference of {$66.00}. 

I was denied previously that all late fees and interest be removed due to my 6 months of trying to contact this company via multiple sources and them denying my dispute in 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 monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I called the customer service number in XX/XX/XXXX and XX/XX/XXXX constantly and the message was, theres no customer service representative available at this time. I was blocked from access online to view my account which has never happened before, even during a modification period. I found a telephone number on the federal government Webb site which listed mortgage companies that have class action law suits filed against them under the topic, if you are having problems with your mortgage. This is the only way initially I could get in touch with someone their at PHH mortgage in reference to my modification status. 

I have received my modification agreement in the mail after informing a relationship manager via phone conversation that I hadnt received a final offer upon making my 3 trial payments as contract conditioned. I was emailed a copy the day of our phone conversation but was told I would have to return the mailed copy which has limited my time to read the contract and respond by XX/XX/XXXX considering it arrived 3 days after this phone conversation. I contacted PHH Mortgage company on XX/XX/XXXX and spoke with operator # UCRF9, ( SWATI ) to question the balloon payment in the modification agreement of {$52.00}, XXXX  that would be owed at the end of the loan even if I made every payment of {$410.00} for the life of the loan until XXXX. I explained to her that his was incorrect and we could owe this much money. She recommended I submit a written request to have the matter investigated. She stated it had to be faxed to XXXX. 

When I purchased this house in XXXX, XXXX it was for the price of {$99.00}. This was done with an XX/XX/XXXX mortgage of {$79.00}, XXXX and {$20.00}, XXXX. I filed my first bankruptcy case in XXXX. My husband and I have paid on this case since that time. When this company attempted to foreclose in XXXX of XXXX, I was sent a notice from PHH mortgage stating that we owed for some missed payments. ( {$410.00} times 4 payments ) I sent a payment in XXXX and had receipts for other payments. In the midst of trying to prove payments were sent I filed a modification which brings us here today. We were in our last months of payment with Chapter XXXX  and our case is now paid in full. We do not owe PHH Mortgage {$52.00}, XXXX. The second mortgage of {$20.00}, XXXX was stripped in our chapter XXXX case when upon several attempts to meet with the debtors from XXXX XXXX XXXX never showed for court nor a representative. The bankruptcy judge stipulated it be null and void as of the completion of our chapter XXXX case. To sign this modification agreement would be admitting to pay something that we already have paid in chapter XXXX from XXXX to XXXX and agreeing to a debt thats more than fair and owed. Considering we have had an active Chapter XXXX Case since XXXX and making payments on past due amounts, how can we owe this amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
i have been incararated from XX/XX/XXXX to XX/XX/XXXX and have never applied for any type of credit nor cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
Hello, I purchased XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX in XXXX, MA. Since this new vehicle was scratched, the sales manager agreed to pay first payment to Toyota Financial ( where vehicle loan resides ). When it was time to pay the first payment, the Toyota dealership did not pay it. I've contacted the dealership many times via phone calls, emails and even through Toyota corporate. The business development director at the dealership stated that he will " look into this and provide me a response '' and never addressed the issue and now will not respond to multiple phone calls and emails. This dealership is dishonest and deceitful. They do and say whatever possible to sell vehicles but do not follow through their agreements. I am considering legal actions against this dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, the company called my phone using a tele automated device. Leaving a phone number to contact I called the number back trying to find out who was calling. I did not give them any information but asked for their legal information. They refused to give me any information. My husband called a few minutes afterwards and the person asked him if he was calling about me. He had not revealed his name or verified any information to identify himself or me. They specifically used my name revealing personal identifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: DC

Complaint narrative:
I have been harassed for months now by a company called Midland Credit Management and they refuse to verify the debt they claim I owe them, that have been negatively reporting to XXXX  and damaging my credit score. 

They have removed the debt from XXXX XXXX and XXXX  but not XXXX, I have reached out in XXXX and XXXX and have note received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Genesis Financial & Payment Systems Holdings, LLC
State: IL

Complaint narrative:
I borrowed {$500.00} from this company in XX/XX/2019and they were taken {$97.00} a month on my check every two weeks to pay off the loan and XX/XX/2019XXXX I lost my job and enter the compound double

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 2020-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello, I am reaching out to you in regards to a dispute I had with PayPal over two payments I made to a person who in fact turned out to be a scam. PayPal denied my dispute and frankly I'm confused and surprised. I did not receive the item I paid for or anything at all for that matter. The payments I'm disputing were for {$100.00} on XX/XX/XXXX and {$200.00} on XX/XX/XXXX. I have all the text messages, an email from a fake shipping company as well as an email with pictures that were taken off of the internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: WI

Complaint narrative:
Heights finance company is reporting on my credit report incorrectly. It is saying that I still owe money to them, I do not. This loan has been paid off and is negatively reporting on my credit. Ive called them numerous times and they say I dont owe money and they cant do anything about my crisis report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A person came on the line and would not listen to what I was saying. I kept saying I disputed two collection accounts with them back in XXXX of 2019 but they showed back up on my credit bureau. I explained that XXXX and XXXX XXXX and XXXX  refuse to remove these items even though I have disputed and requested written validation that I owe these companies. These Companies state I owe a cancellation fee and this is not true. I cancelled my service within the 3 days that are allowed without being charged a cancellation fee. These companies refuse to provide proof BECAUSE THERE IS NO PROOF BECAUSE I CANCELED WITHIN THREE DAYS.

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 2020-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I paid XXXX through PayPal for and item and I never received that item because the merchant is a scammer and he admitted it. PayPal wont let me have my money back because they dont feel like theres a problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I mailed a check for {$370.00} on XX/XX/20 and I have been calling bluebird every single day for the post 20 days. Not once have I spoke with anyone. I contacted the bank bluebird is accossiated with and the just two me to call the number I have. I XXXX emails n other phone numbers that could possibly be a link to bluebird and I got ahold of the checking Dept that send s checks out for bluebird accounts. This was the closest to making progress than I have in the last 3 weeks. Unfortunately this Dept knew aboutsolutly nothing. I actually felt uncomfortable with knowing people with no skills, education and training is affiliated with my banking. Let me put it this was with describing how the conversation, I have had better conversation s with a rock. I am a single mom that had lost her job, I can't put food on the table everyday, im losing my house and I need every XXXX I have to provide for my XXXX yr old son. Please help me. I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My debit card was either lost/ stolen, i provided the bank with detailed information in regards to fraudulent activity on my account. on XX/XX/20 at approximately XXXX XXXX  & XXXX XXXX  my savings account had money withdrawn in 2 separate transactions in the amount of {$300.00} each plus two {$3.00} balance inquiry fee & two {$3.00} fees for using a non TD bank. Once i was aware of the charges which was XX/XX/20 i immediately called my bank, notified them and cancelled my card as well as filed a police report. it appears on XX/XX/20 or XX/XX/20 they denied my claim because it states my pin was used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I have received numerous calls from a phone number XXXX when call back I can't reach anyone. I received 3 calls back to back today as if it was an emergency so I answered and it was someone collecting on a debt that I new about and did not ask me to verify any information other than my name.

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