vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 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: HI

Complaint narrative:
I call Transunion and try to dispute the Bk showing on my credit, mail them a letter

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 2020-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have a credit card with XXXX Visa. I had a high balance in XXXX, I made a payment and paid it down yet they reported the higher balance and said it would not update until the next reporting cycle. I then paid the card off in XXXX and the balance was XXXX. It was reported in XXXX as a XXXX balance, however for XXXX they reported the high balance of I had in XXXX making it appear I had run my card up again. This is not the case the balance is still at a XXXX, however because they reported the balance incorrectly my credit score dropped by 62 points!!!!! That really hurt me as I'm working to repair my credit and the card advertises that it helps people repair their credit. I am issuing a formal compliant as they are required by to report fair and accurate information.

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 2020-04-15 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: Credit Counsel, Inc.
State: FL

Complaint narrative:
the company claims that my XXXX year old son owes some money they repeatedly called some months ago i told them my son does not live in my house and has not lived in my house for 15 years they asked if i knew how to reach him i told them he works as an XXXX  on a XXXX XXXX i told them not to call me anymore as this was not his phone number or residence they called me again last week i spoke w an XXXX XXXX he said he remembered my whining voice and that he was calling about my son again mr XXXX XXXX claims that he works for credit council inc i found there address XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl 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 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Netspend Corporation
State: AZ

Complaint narrative:
Claim Number : XXXX Dispute Number : XXXX On XX/XX/2020 I sent {$400.00} to XXXX XXXX XXXX XXXX XXXX for a ticket to the Oscars award ceremony. I latter found out that it is a scam! 

On XX/XX/2020, I filed a complaint with Skylight Financial Inc. a XXXX XXXX. On the phone with the representative, I explained that i did make the transaction, but latter found out that its a scam. I was asked to put my complaint in writing also and e mail it to : XXXX. The funds of {$400.00} was credited back to my account as a provision, until the investigation was complete. Skylight Funding Inc. Investigated the matter as if I said I never authorized the trans action, WHICH IS NOT TRUE. I Never said that I didn't make the transaction, I said that I did make the transaction, but latter found out that its all a scam! The {$400.00} provisional refund was taken out of my account. 

On XX/XX/2020 I called Skylight Financial Inc. and spoke to supervisor XXXX employee number : XXXX Who said that, the investigation would be reopened and someone from the fraud department would call me in 3 days. NO ONE CALLED ME! 

On XX/XX/2020 I called back and spoke with XXXX employee number:XXXX. I explained the whole situation again to her ( XXXX ) who also told me that, the investigation would be reopened and someone from the fraud department would call me back in 3 days, NO ONE CALLED!

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 2020-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
My loan thru Skopos was a few months behind due to sickness ( possibly XXXX  ) they accused me of having 3 returned payments which is impossible. They repoed my XXXX  XXXX XXXX  on during the social distancing, covid pandemic.. they have been unable to work with me although i am not able 2 work at the time however i need my car in order to take care of my sick elderly relatives

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 2020-04-15 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:
for several months, i have written several letters regarding inaccurate accounts on my credit report. the credit bureaus have either sent generic " verified '' responses or not investigated at all. i understand that its in their interest to not remove accounts as they would lose money, but i believe that this is impacting me negatively and i believe that this is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: FL

Complaint narrative:
for several months, i have written several letters regarding inaccurate accounts on my credit report. the credit bureaus have either sent generic " verified '' responses or not investigated at all. i understand that its in their interest to not remove accounts as they would lose money, but i believe that this is impacting me negatively and i believe that this is a violation of the FCRA.

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 2020-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: D2 Management LLC
State: TX

Complaint narrative:
company called about a time-barred auto loan debt where last payment was made over 10 years ago ( a time-barred debt ). 

1 ) lied to about name of company ( was told it was XXXX XXXX. after I recontacted them, was told it is D2Management 2 ) lied to about this being a time-barred debt. they specifically said it is NOT a time-barred debt. This is in violation of federal FDCPA regulations. 

number they called me from : ( XXXX ) XXXX their information online : D2 Management LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX i went online and paid my title loan off. I called and confirmed it was paid and inquired when my title would be mailed. So moving ahead 2 days i. Checked my account and XXXX dollars was gone. i immediatly called and the i went to the XXXX store on XXXX XXXX and they passed blame to the collection agency. But i never spoke to the collection agency my title was not in jeopardy. So how did thy get my information? Next i spoke with the collection agency and they said my i fo was on file and was authorized as auto pay. No. i just got that card a week ago and used to pay that bill.i told them that was my money for the next two weeks and I want a refund. And were going through this PANDEMIC and you just taking money out of peoples account without authorization, without a courtesy call or letter. They had the nerve to offer me a loan. REALLY. Its not right Landlords cant evict you, Electric companies are not turning off people lights but they can take my money. Now of all times. I dont know how im going to make it the next two weeks. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was offered a job interview through XXXX  ( I have all the paper trail as proof ). I went to the job interview at XXXX XXXX XXXXXXXX XXXX XXXX, NY everything seemed very professional. The interviewer stated I would be working at various XXXX  as a XXXX. He then offered me the position which i was excited about based on what he was telling me. He took my information and stated i needed to pay an upfront charge of {$350.00} for uniform and HAZMAT training but that after my 90 day probation period I would be reimbursed. He stated XXXX would be the most secure method. He stated that after i sent over my physical I would begin orientation. Since then, I've emailed, called, appeared in person and this " XXXX '' seems to be of no existence. I was clearly scammed and in hopes that my bank would be there to cancel transactions and offer me reimbursement. The " company '' that charged me {$350.00} was XXXX XXXX XXXX XXXX. I searched the company and the person shown on instagram is the exact person who offered me the " job ''. I filed a police 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 2020-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
my benefits goes to to this bank every first and third of each month and the problem ( s ) that i am having with this bank is that before i never had a problem with checking my balance in my account but now i am being sent to a 1800 number and i never had a problem checking my balance with the other people that works for this company now i have to go through a lot of red tape before i can get the information that i need for my account. and this is not the first time that i had problems with this bank. i wanted to get a secured credit card and was declined one and i had the requirements in the amount of {$300.00} dollars and when i told the lady that what ever i use out that {$300.00} dollars and to draft it out of my account to bring it back into good standing. so when she after 30 to 45 being up in this bank and i told her that she had put something in her computer that i don ; t qualify for one. like i said this has not been the first time i had with this bank. i even had a banker to tell he was not the one. and i have even spoke with his supervisor like i spoke to a supervisor about the employee that about the problem ( s ) i am having now. if she was not lying why was i hung up on? and why was i not informed about that i would have to call a 1800 number to check my balance and things about my online banking? and why i was not informed about things that should have been told about the things and the changes that was made? and why i did not qualify for credit card?

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 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a credit card with Wells fargo and most often its been great. We have had a nice banking relationship. I am a business owner, and in trying to explain the issues that XXXX has brought upon my business, they didnt agree with my timeline, and hence my account is in collections with legal. I made a payment that didnt go through as my business has functions in XXXX. Now that coronavirus has been named, all companies are being given assistance on current bills, but my issues stemmed bAck in XXXX so unfortunately, they wont extend to me the same benefits current business are getting. I was paying monthly before this, so Im just wanting to have the card reopened and be able to pay my balance as i really enjoyed my relationship with the bank. I simply was affected back when XXXX XXXX XXXX happened, and workers began to move and leave. Ive now been given funds from the SBA XXXX  get things back on track, but wasnt able to when i called. I dont want to have this on my report as non paying as my business was affected by XXXX. XXXX XXXX XXXX, in California

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 2020-04-15 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: FL

Complaint narrative:
over several months, I have attempted to have all 3 credit bureaus to provide me with documentations that shows that i have a binding agreement with the incorrect items being reported on my credit report. the only thing that i have recieved has been generic verified letters. they can never provide me with proof as i have asked over several month.

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 2020-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
Purchased set of tires and wheels on XX/XX/2017, total price = {$2200.00} with {$800.00} payment made, balance {$1400.00}. Utilized credit program with vendor which sourced through American First Finance. When making the {$800.00} and opting for credit line I was not given credit terms nor interest rates, was told to expect to be contacted by loan agency, this was one day prior to making cross-country trip. Upon arrival to destination, XX/XX/XXXX, created automatic payment through my bank since I was not home to receive notice of payment or interest rates. When creating this automatic payment I noticed a payment had already occurred to American First Finance. I contacted them to inquire about this action and if this amount would pay the entire balance of {$1400.00} by the due date, the customer service representative stated, yes. 

Several months later I checked bank payment history and noticed payments were still being withdrawn, well surpassing the {$1400.00} amount, a total of {$1700.00}. I contacted American First Finance to request a refund of the {$260.00} overpayment and they cease withdrawals, they refused and stated that this was based on the interest rate compounded after exceeding the 90 day mark. First, I did not receive a notice of the interest rates nor when I returned home to California, did not receive mail containing credit terms or interest rates. It was during this telephone call that I was finally able to coordinate receipt of the credit terms and interest rate. This was emailed to me and depicted a rate at 140 %. If I would have known of this rate I would have opted not to take this credit line and if I did would have made a valiant effort the balance was paid well before the 90 day mark instead of relying on their customer service representative that assured me things were taken care of. Because they were unwilling to accept my payments for payoff nor generate a requested refund of I cancelled payment to American First Finance, which cost me {$25.00} to process. With continued effort to rectify with American First Finance they stated they did change their business practice with the vendor I purchased the merchandise, XXXX XXXX XXXX XXXX by ensuring consumers were given credit terms and rates but would not show I paid the balance nor refund me the amount I overpaid. That in itself was an admittance that American First Finance required corrective action but they still were unwilling to refund my overpayment nor rescind their efforts to seek further payments for over {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I would like to complaint a bout this Debt Collectors companyRESURGENT CAPITAL SERVICES L.P., located in XXXX, SC XXXX XXXX XXXX XXXX, phone XXXX XXXX XXXX XXXX. I've been harassed by them since XX/XX/XXXX, in less than a month they have sent me five notifications about an old credit card debt from the year XXXX for {$18000.00}. I haveverified that the Statute of Limitations for enforcing this type of debt through the courts in Texas has expired.Also, in their notifications, they act like they already have contacted me before the first one dated XX/XX/XXXX, which is a lie. 
I have been responding to all five notificationsas they've arrived because they keep saying if I don't respond to dispute this debt in 30 days, they'll obtain a copy of judgment. In order for me to respond to them, I've to expose myself ( I'm XXXX years old ) and others to this deadly XXXX  XXXX every timeI have to go to print the respond letters, and the Post Officeto mail them.In all my responses I've disputed this debt and I've asked them to stop contacting me at least they want to pursue this matter in court, but they haverefused to do it bycontinuing sending me more notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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:
over several months, I have attempted to have all 3 credit bureaus to provide me with documentations that shows that i have a binding agreement with the incorrect items being reported on my credit report. the only thing that i have recieved has been generic verified letters. they can never provide me with proof as i have asked over several month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: FL

Complaint narrative:
over several months, I have attempted to have all 3 credit bureaus to provide me with documentations that shows that i have a binding agreement with the incorrect items being reported on my credit report. the only thing that i have recieved has been generic verified letters. they can never provide me with proof as i have asked over several month.

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 2020-04-15 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: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I had an account on my credit that I did not recognize after calling the company I was informed it was for a debt that I did not recognize at all. Since I was applying for a new car loan and the amount was small I agreed to pay with them deleting the account from my credit report and then sending me the debt verification after payment. 

After payment they did not delete the collection from my credit report nor sent any validation that this was actually my debt. I have since asked the company to provide me signed documents or any documents showing that the debt they claim to own was my debt and not just a mistake. They have again not provided that information and continue to report to both XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove items which are not belong to me because it is fraud. 
I do not recognize this account and have never incurred debt with this creditor. I do not know where it came from. Thus, I am requesting that you please verify the validity of this account and remove it once its confirmed that it is not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow this account is verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

Company response to consumer: Closed with explanation