vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Critical Resolution Mediation LLC
State: FL

Complaint narrative:
I have received numerous and aggressive messages on my voicemail for a XXXX XXXX XXXX, which I have no clue who that is. The same person calls and identifies himself as XXXX XXXX, leaves his phone number XXXX ( XXXX ) XXXX, his ext XXXX, though when you dial the number it goes directly to him, but he leaves messages saying that XXXX needs to give him a called at the Law Firm of Critical Resolution. He indicated that she wrote a bounce check which carries jail time and the amount that she wrote is a felony charge. He said this was turned over to him by a XXXX XXXX. I initially ignored it, thought it was an error, but he continuously called. Well, he called so aggressively and nasty and repetitive messages left, I called and left a message informing him, he was leaving someone else 's personal information on my voicemail continuously and the last name he gave was mine but I am clueless as to the party he is speaking of. Well, he did not return the call ; however the nasty, aggressive, unprofessional voicemails continued. I contacted him once again, today, XX/XX/XXXX and finally reached him. I informed him that he was asking for a XXXX XXXX XXXX, he yelled at me and said I did not call you. I said, yes, you did, you constantly left messages for this individual and I have no clue who it is. He harshly said, in a yelling voice, well then, did I call this number you are calling from, I said yes and repeated the name that he asked for, he yelled at me and said I asked for XXXX XXXX, I said, you did not, you said this matter was submitted to you by XXXX XXXX. I said, I have your numerous messages on my voicemail, he rudely yelled again and said he did n't ask for XXXX and that I did not know what I was talking about and slammed the phone down in my ear. 

I got online and looked up this company to see if I could get a different number so that I can speak to a supervisor to inform them of the way he conducted himself. I located this number and the same person answered the phone, saying XXXX XXXX XXXX. I do n't know if this is a one man operation but it was outrageous in which he conducted himself. I deleted the messages but decided to keep one to support what I am stating to you. If he calls my home again, the next step will be a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Account Services Group, LLC.
State: CO

Complaint narrative:
For the past several weeks XXXX XXXX with the NAS Group has repeatedly called not only myself but my entire family in regards to " file number XXXX ''. When they initially reached out to me in XXXX I returned the call on XXXX XXXX but was not passed on to XXXX XXXX. The representative I spoke with ( XXXX XXXX ) was pushy and rude and I told him not to call me or my family anymore. The phone calls ceased briefly, but have since resumed as of XXXX XXXX. After the treatment their employee subjected me to, and this repetitive harassment of not only myself but my parents and my siblings, and even their wives, I am resolute to my previous statements that they can email me directly but they must stop harassing me and my family.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XXXX 2011 Wells Fargo XXXX me out of XXXX when they opened up an account in me and my husbands name. 

We fought hard, but they would not budge. Me and my husband live paycheck to paycheck so that hurt. Ended up borrowing money because of this. 

Now I found out they did this to other customers, not just me and my husband. I see it all over the news We ended up leaving Wells Fargo because of this. 

We were out XXXX because of there employees XXXX XXXX. Then my account ends up being frozen. It was a mess. 

I can not stand Wells Fargo what they did to us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
I am reviewing my Credit report dated XXXX/XXXX/2017 only to discover that a debt collection of {$15.00} appeared on my report. I did n't know about the debt, neither was I contacted by phone nor by writing or otherwise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have noticed my payments with Wells Fargo were not completely reported to XXXX. 
I wrote Wells Fargo a letter in regards of the problem. I received a respond from Wells Fargo and it stated, that the information was sent to the consumer credit agency was accurate. I called XXXX to informed about the respond I had from Wells Fargo. XXXX keeps telling me to call Wells Fargo. But when I called Wells Fargo I was told XXXX needs to fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: U.S. BANCORP
State: MO

Complaint narrative:
Im going thru extreme financial hardship and can hardly afford to put food on the table for my family, and Im going on unpaid XXXX XXXX XX/XX/XXXXand will have absolutely no income what so ever. Im trying my hardest to avoid bankruptcy but it is very hard as companies are unwilling to help people in need or in these situations. I have tried to settle with this company prior and they have lowered my payments, but Im not going to have any income come XX/XX/XXXX to pay them any longer Im hoping this will help and get this resolved, as Im trying my hardest to do what I can.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion and XXXX have not provided me information on how they verified my credit information on a bankruptcy that does not exist or belong to me on my credit profile. I sent certified letters to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have copies that they received my request, but no results or verification has been provided to me on how they got there 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 2017-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have been a Wells Fargo member since XX/XX/XXXX and decided to take out a personal loan in XX/XX/XXXX. In XX/XX/XXXX I had some family issues, lost a job and another major hardship that affected my liquidity, as a result I reached out to Wells Fargo to work something out with my payments. The first representative stated there was no such service and I attempted to call at least two other times to ask for some lenience given my time with Wells Fargo and previous record of being a good customer. My attempts were to no avail, I had three extremely hard months and as a result I have late marks XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Recently I reached out again requesting consideration for removal given I went through extreme hardships and am now looking to apply for a mortgage. I would like to share my journey with other consumers who are considering a relationship with Wells Fargo. I found it to be a great bank in terms of offerings when things are good, but completely lacking in support when it was most needed. I also bank with XXXX XXXX and XXXX XXXX - both of which were more than happy to work with my situation at that time. After my hardship I successfully paid each month for the remaining year on my Wells Fargo account without issue, I was genuinely in need of assistance for a small period due to occurrences beyond my personal control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is a debt-buying collection agency currently harassing me about an alleged debt. Their latest tactics include threatening legal action against me, which is a violation of the FDCPA. They have never validated this debt in any way and in no way is my filing a complaint an admission of this alleged debt owed. Since this debt-buying collection agency sent me a document via XXXX XXXX XXXX threatening legal action against me, I can only assume that they are also the same agency that repeatedly calls my home and cell numbers from multiple " spoof '' numbers, documented by my home phone company and wireless phone company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Money ( {$3500.00} ) was transferred from my BOA account into my daughters account without my authorization. I was an overseer of her account and she had no access to my account or permission use my account in any manner.The money was then taken out of 5 different ATMS in AZ. I filed a fraud claim with BOA and it was denied. I called them back and they since have reopened this case but will not give me a time frame to get my money back. This is wire fraud. They told me the device used was her phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX - In the morning, I received a phone call from the Ally Bank Fraud Service Center ( phone number XXXX ) concerning fraudulent activity on the debit card associated with my checking account. A voicemail was left giving a case number. I attach the voicemail in this complaint. I called back and spoke with a representative who asked if I made a purchase with my debit card in XXXX XXXX, XXXX. I live in XXXX, Pennsylvania and have n't even visited XXXX for about 18 months. Furthermore, my debit card has only even been used for ATM transactions. I told them this transaction was fraudulent and in return I was told that my debit card had been deactivated. I was told to not have any worries even though there was a pending transaction. The representative told me that this transaction would not go through and the funds should be immediately available once then failed pending transaction dropped off. 

XXXX XXXX XXXX - I check my bank account in the morning and find that the pending transaction has now posted. The amount total was {$200.00}. I call back Ally 's Fraud hotline and explain that I 've already talked to a representative about this situation and that the transaction needs to be reversed or at the very least a provisional credit should be placed in the account. I am told by the representative that there is nothing she can do, and that I must wait up to 45 days to have access to my funds. Unsatisfied with this answer, I start a chat with a customer representative and request again that I be given a provisional credit to the account for the funds so that I can pay my bills while they are doing their investigation. I am told, this time, that there is nothing that can be done and that I may get a provisional credit in 10 business days and that the investigation can take up to 90 days to complete. I ask for the issue to be escalated to someone who may be able to provide the provisional credit immediately but am told that I must wait for them to complete an investigation. I have attached to this complaint a transcript of the interaction I had with this representative. After making no progress through this chat I terminated it and proceeded to file this complaint against Ally Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I asked for verification of the information that XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2011. However I have yet to receive a copy of an Agreement that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX and Experian have not provided me information on how they verified my credit information on a bankruptcy that does not exist or belong to me on my credit profile. I sent certified letters to them on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. I have copies that they received my request, but no results or verification has been provided to me on how they got there 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 2017-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I made my XXXX 2017 mortgage payment at a local us bank branch here in XXXX on XXXX and XXXX around the XX/XX/XXXX of the month, then 2 or 3 weeks later I check with my bank to see if the funds was deducted out of my checking account, and it was not. So I called both the XXXX branch and home mortgage office to see if they had a record of my payment, and there was no such record. So to keep it off my credit report for a late payment history, I made a over the phone mortgage payment that cost XXXX. Then 1 or 2 days later us bank tried to process the original the check which cause overdraft fees of XXXX dollars plus the XXXX fee. I think its strange they could find my check after my calling them I am retired with a modest pension and I do not appreciate this treatment. So I would like to receive the most I can legally get for this irresponsible conduct from us bank ... ..I will include my lawyer letter to us bank and my copies of my bank overdraft fees, the original check ... 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 2017-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: MD

Complaint narrative:
I monitor my credit every month, and noticed a Debt added on to my credit that does not belong to me. 
Collection Agency : Debt Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Date on my collection Report : XXXX XXXX, XXXX Amount of debt : {$600.00} Date of Service :?? 
Provider of Service : XXXX XXXX Hospital I asked them to give me proof that I owe this debt, a itemized bill, my signature on it, something from the hospital, they never sent me anything. I sent them a HIPAA violation letter, they ignored it and reposted it to my credit bureaus, XXXX and XXXX as valid. 
I have written letters to each credit bureau stating its not mine, and they updated saying verified by creditor, yet no one has showed me anything, as this was not me.I was even out of the country when this bill supposedly took place!!! 
this debt is not valid as i have NEVER BEEN TO THIS HOSPITAL EVER. 
I called Debt recovery, they were very rude to me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
Our short sale offer is being countered to remove the buyer 's request for LESS THAN 3 % seller concessions even though they are a financing purchaser. The offer is even a bit higher than the BPO so the net amount is a non issue. It is unethical to not allow seller concessions to financing buyers. MOST buyers are financing and require closing costs to purchase, Ocwen not allowing this will make their borrowers unable to sell their homes and go to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
When I set up automatic payments for my lease on the XXXX XXXX website, I mistakenly entered XX/XX/XXXX as the end date ( which amounted to 24 months ) rather than XX/XX/XXXX ( which was the correct 36 months ). Then, after 24 months of perfect payments, my  automatic payments stopped, unknowing to me. Yes, my mistake, however, I was never notified that my payment was late until my credit service sent me an email saying something was up with my credit score. Despite receiving several emails per month from XXXX XXXX, including payment confirmations, I never received an email that my payment was late. I only learned this when my near perfect credit score had dropped 110 points. I contacted XXXX XXXX and after two rounds of explaining this situation and stating that it was an obvious mistake and more importantly that I was never notified that my payment was late, they denied my request to fix the credit reporting. 
In an early call with the CSR, the CSR pointed out that this happens all the time. She said that the payment scheduling system was often misunderstood by customers and that payments were often missed due to mistakes. 
In my last call on the phone with XXXX XXXX, the CSR explained to me that XXXX had no obligation to notify me whatsoever and he said that even statements were a courtesy. He said it was solely my responsibility to see if the money had left my account each month. Period. 
Firstly, it seems the entire online payment system at XXXX is set up to make the customer fail. The system is confusing and difficult to understand. Rather than simply providing payment information and having payments automatically paid from my account, it requires that you select the number of payments you wish to make into the future. The CSR already admitted that this trips people up she also said that people quite often make too many payments! 
More importantly, if I am signed up for online automatic payments, doesnt XXXX not have an obligation to send me a late notice if a payment is not received so that I can correct the problem before I learn it from my credit agency? I would think so. It would be unreasonable to expect otherwise. 
These two issues coupled together create a high likelihood of mistakes made by the customer, yet they do not acknowledge this. 
Please assist. The consequences of this on my credit score are far more impacting than deserved. 
Attached is a snapshot of my email inbox showing that XXXX notifies me about plenty of things but never sent me a notice that my payment was due or late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-30 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: UT

Complaint narrative:
On XX/XX/XXXX I sent a letter to TransUnion notifying them of the inaccurate reporting of an item ( XXXX XXXX ). A previous report of mine from XX/XX/XXXX stated that the item would be removed by XX/XX/XXXX. 

My current report shows a new date of when the item would be removed by XX/XX/XXXX instead of the XX/XX/XXXX. My dispute to TransUnion included a print screen copy of my report dated XX/XX/XXXX that showed that the item would be removed by XX/XX/XXXX. I also notified them that they had Re-aged the item and changed the removal date to XX/XX/XXXX and that they were in violation of the FCRA by reaging the item. 

This item should no longer be reporting on my credit file. 

I 'm requesting the support of the Consumer Financial Protection Bureau as my dispute to TransUnion was simply disregarded and they did nothing. It is my understanding that after 7 years this item should no longer report on my credit. 

Attached is the dispute I sent to TransUnion on XX/XX/XXXX with the print-screen of the report showing that the item should be removed by the XX/XX/XXXX date.

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