vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: KEYCORP
State: NY

Complaint narrative:
Hello In XX/XX/XXXX I lost my XXXX ins, I called key bank and explain, I fell behind by a month in a half. However I have paid since every month XXXX. I have asked if they could remove the late fees XXXX I was told by key bank to pay XXXX and then XXXX every month after. However every month they charged late fees and continue to make the min balance unaffordable for me to pay, when I called they said the agent made a mistake telling me that then called and was told to filled out a loss mitigation form, the first one they sent was for a mortgage. I called back then they sent a letter and asked me for documents from bank statements to my help with social services tax returns, etc I was told I had to XX/XX/XXXX. I faxed every thing on XX/XX/XXXX. I then called Key credit card and was told they received everything except my rent receipt. I mention to them I do not rent and I sent my mortgage statement from XXXX. The rep said she will email them and let them know I was not missing anything. On XX/XX/XXXX I received a letter from Key stating that because they did not receive required documents so they will not consider my request, I then called and spoke to XXXX, i was upset and informed him that I did n't understand why they said they did not all documents when I have a confirm fax which was faxed from Key bank and all conversations are recorded and I was told by the rep that indeed everything was sent in time, Then XXXX said to resubmit information and was very cross with me. I then once again faxed everything XX/XX/XXXX I have the confirmation as it was faxed from key bank. I spent 4 hours on XX/XX/XXXX with Key bank and finally spoke to a supervisor XXXX, who then said I was missing a rent receipt once again I had to explain I sent in my Mortgage statement. Then she told me well we have no program. I asked then why did Key say they would try to help me and have me fax over all my personal information. I have other credit cards and each and every card worked with me in a hardship by waving the late fees. I have paid Key Bank every month XXXX.however they continue to add XXXX every month and double the min payments. it is disgraceful as I continue to have serious health problems and am not able to work, yet I am still trying to be responsible with the help of my children. Quite frankly it feel like extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: KEYCORP
State: NY

Complaint narrative:
Someone requested a replacement card from my bank then stole it from my mailbox activated the card creating a pin and then used it till I discovered it. The bank did. It refund my money stating that even though card was activated from a different phone number they used my personal data like ss # and birthday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I opened an account in XX/XX/2016 with Wells Fargo and had been making regular payments on the account. 

Without notification, the balance on the account was transferred to a new account in XX/XX/2016 that I did not request to be opened. 

I have asked Wells Fargo for an explanation as to why was this account opened in my name and the balance transferred. I received a message that the inquiry was being sent to their Executive Offices, but I have not received a response. 

From my understanding, Wells Fargo was fined million for such fraudulent business practices, and there was a full-page ad in the XXXX this week apologizing for similar activity.

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 2017-03-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Integrated Recovery Services
State: IA

Complaint narrative:
This loan is with XXXX originally. I had difficulty paying back in XX/XX/XXXX and was eventually able to pay back XXXX of XXXX balance by XXXX. But had trouble setting up arrangement and balance went to collection agency Integrated Recovery Services. In XX/XX/XXXX this agency contacted family and friends staying I had committed fraud and they were threatening to file criminal charges. Since XXXX I have paid back XXXX more but agency continues to call when I request correspondence only by email. Refuses to take payments by mail and did not charge debit card on two occasions. This is not a criminal matter but civil credit debt. Yet agency says they will keep charging to criminal court and threatened to raise costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Ashton & Weinberg, Inc.
State: FL

Complaint narrative:
So I had a line credit that I defaulted on the payments, so I made a payment arragement which I did pay for a while and again I defaulted on that due to financial issues .... 

So the original creditor gave the account to a debt collector that has been calling me harrasing me itimidating me and torturing me mentally and emotionally ... 

He has threated me of taking me to jail and has accused me of fraud and that I am a criminal. 

He also told me that he had recorded me on the 1st conservation that we had which I did not consent to nor was I aware that I was being recorded. 

Also, he pulled ny credit report with out any written consent or authorization. 

XXXX XXXX Ashton & Weinberg , Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX That is the debt collector information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: TX

Complaint narrative:
wallet & phone were stolen out of his vehicle while he visited a convenient store XXXX XXXX. Today XXXX XXXX, I asked daughter to help me call Direct Express, https : //www.usdirectexpress.com/, to cancel the card and reorder a new one, I asked daughter to help me with the conversation and the Customer Service Rep became very angry and raised his voice and yelled to put XXXX back on the phone. He asked my information and that I would be getting a new card, well today I call back again because my card never came in the mail, The new customer rep told me that it was never reissued because of my daughter being a 3rd party on the call. I have been extremely XXXX out over this, I cant believe I waited all this time for nothing. I never did get the name of that man because he would not give his name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I recently paid off my automotive account off through my credit union ( XXXX ) on XX/XX/2017, you conducted this transaction from my account ... my question is XXXX credit reports, " account closed between XX/XX/2017 and XX/XX/2017, your XXXX automotive accounts appears to have been closed. '' My issue is the account was n't just closed, but paid off, which gives me a negative rating. Please can you kindly look into this matter? Thanks! My contact number is XXXX.

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 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I have asked XXXX for about 3 years to verify my debt by sending me a signed contract with my signature to verify debt. Instead all they send was transaction histories which could not in fact prove that this is my debt. I have told them that I am unaware of this debt, so they send my account to collections ( Midland Funding ) which tried to garnish my check without still verifying my account. Midland Funding refused to talk to me and here I am stuck with paying a unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: NAM National Arbitration and Mediation
State: CO

Complaint narrative:
We received a call from the ADR-Group, XXXX, they claimed we committed fraud when we took out a payday loan in XXXX 2014. This loan was charged off in a Bankruptcy at the beginning of this year. They claimed they were sending the fraud case to the XXXX, we call them and they told us they would not act on anything without sending it in writing. The company was terribly aggressive for a loan that was charged off. The XXXX office told us they had several calls on this topic today.

Company response to consumer: Untimely response
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Commercial Recovery Systems
State: MI

Complaint narrative:
XX/XX/XXXX I filed bankruptcy however, XX/XX/XXXX I started getting phones from Commercial Recovery Systems telling me they was trying to collect debts on XXXX accounts from XXXX that were included in my bankruptcy. Well these calls where by far normal debt practices they was harassing and threatening. They was calling me all hours and my work. Causing emotional and stress not only calling me but my father. You will see I filed a law suit and I recently see the FTC has a law suit against them.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
My son and I were approved for a loan at 20 % interest from Santander bank. 
We should not have been approved as he is XXXX with a family to care for, and because he was late on his payments, he owes more than what he borrowed. 
I was refused by XXXX other lenders because my credit is bad. 
How did we get this loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AC AutoPay LLC, Denver, CO Branch
State: TX

Complaint narrative:
XXXX/Motolease is reporting the wrong balance on my credit reports and is refusing to update that the account has been settled in full with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I have requested the verification of the stated accounts from all XXXX ot the credit report reporting agencies. I have indicated the reason for removal is that the account being reported is not mine and I did not authorize or participate in the account being created or receive any benefit from the account in question. 

The credit reporting agencies have requested verification of the debt and the creditor continues to report the debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Portfolio Recovery Associates, LLC
State: WY

Complaint narrative:
Portfolio Recovery keeps calling my work number after being asked not to call me. They have made two calls in the last 30 days and another prior to this. Each time they call I tell them that this is my work number, the phone is answered by saying thank you for calling Employer 's name, they will not stop calling and I am not to have calls like this at work and they say they will note it and then call me again. I even give them my cell phone to call instead and they will not call it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX I checked my bank account and noticed that Sallie Mae had taken out XXXX of my bank account and they were not authorized to do so. I called them immediately and they told me it was an accident and not on purpose and it would take 3 to 5 days for a refund. It took multiple phone calls on my part to get this problem taken care of and I was treated poorly throughout the entire process. I do n't know how anyone takes out over 2 grand on accident. I ended up getting my refund a week later and was thoroughly stressed throughout the whole situation. I am a hard-working single mom and this was just unacceptable I know people make mistakes but that caused me to not be able to pay bills and pay for other daily essentials. Fast forward to XX/XX/XXXX I check my bank account and I see that Sallie Mae again took out money from my account XXXX. I did not authorize this transaction either and I am completely frustrated with this company for their mistakes that they have made. I am writing to you to inform you of how poorly this company is ( Sallie Mae ) and what customers of them have to deal with on a day to day basis.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-31 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Resources, Inc.
State: TX

Complaint narrative:
I have not been notified that my hospital bill was sent to collection. I started receiving called from a number leaving me automated messages like " if this is ( my name ) please call back about your collections account ''. They call every day during working hours, no one tells me what debt I owe or who they are, just leaves messages calling and saying I need to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed XXXX negative accounts on my credit profile which was reporting incorrectly. This has to be the worst company and customer service I have ever dealt with in my life. I have provided everything required to remove a negative on my credit and even the company I disputed had responded and all I have gotten is the run around and no one actually willing to help get it cleared up all they tell me is it can take 90 days to remove which is not as per FCRA GUIDELINES. My Report Confirmation number is XXXX. I disputed inaccurate information with EQUIFAX and even went as far as to send them documents on XXXX separate occasion to validate my claim here is the certified mail receipt number : XXXX & XXXX, I sent the documents to prove that the information was incorrect. However Equifax totally ignored my request and did not update & delete the incorrect information, which was being reported on my Equifax consumer report. The accounts were XXXX Account number ends in XXXX, which was paid in Full, and the account was never late. The letter was sent into Equifax who did nothing on the request to report the correct information. The Second account is From Child Support No account number but reporting a Collection & Amount for which I have no responsibility. I also made sure to provide the letter from the agency to Equifax who again did not delete the incorrect information since the account did in fact not belong to me. When this company supposedly investigated the information, the results were that the creditor verified the information reported. I contacted the creditor and was informed that Equifax has been notified of the correction but had not updated. My consumer profile to reflect the proper changes. I will also be submitting a complaint to the Consumer 's Financial Bureau and will be forwarding the same documents to them, which was a payment in full receipt and a letter from the child support stating that the account should be deleted from my consumer profile. Something needs to be done to make sure that Equifax is reporting account information and updating in a timely matter. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: ROC Asset Solutions, LLC
State: TX

Complaint narrative:
This company API Recovery Solutions, XXXX are repeatedly, myself included, contacting people who have or have not taken out payday loans. They do not send debt validations as requested. Additionally, when they are trying to contact people they are also calling possible relatives they find on a people locator and telling them that they need to speak to this person because there is an issue they need cleared up regarding a financial loan. They are contacting people from years past, ex-inlaws, ex-spouses, etc. There are many complaints on them. They are scamming people out of money when this person has not taken out payday loans. PLEASE STOP THEM. I have people I knew 25 years ago trying to contact me about them calling them. www.APIRecoverySolutions.com. I do n't know where they are based out of, website does not indicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I contacted Equifax numerous times about a fraudulent account on my credit report. The account was 5-6 years old and not opened by me. Several Equifax supervisors stated to me that they would be able to remove the item after receiving a FTC report and a Police Report. They stated this would be removed within 48 hours. Two weeks later, I have not received a call back and the information is still on my report. I 'm frustrated because they promised to follow up with me and have not, I 've spent approximately 2-3 hours a day trying to resolve this issue for the past 2 weeks. The other credit reporting agencies have already removed the fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Yesterday I received in the U.S. mail my annual " FREE '' credit report from " Equifax. '' On " Page XXXX of XXXX, '' under the " A Request For Your Credit History '' column it states that some unknown company named : " XXXX ; XXXX XXXX XXXX ; XXXX, MD ; XXXX ; Phone ( XXXX ) XXXX '' made an unlawful access to my " Equifax '' credit file on " XXXX/XXXX/2016 '' which is unlawfully noted on my " Equifax '' credit file. I have NOT applied for a credit card, etc. in over 3 years. This is NOT mine. I am a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax says you can dispute the accuracy of the info in your credit report online, and I have provided, every which way to Monday, the info they are requesting to do but, keep getting and error message and/or a message that they " are unable to process [ my ] request at this time. '' This has been going on for over a week, over 30 attempts with the same type of response, so you really are not able to get your report and dispute the items online as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The was a loan on my account from XXXX that has incorrect terms that was never verified by Equifax, therefore the account was deleted from my credit file. However, it was re-added without any notice, justification, or how the investigation was completed. XXXX was to submit documents on XX/XX/XXXX to the credit agency to update my file of when the account should be removed. XXXX has n't honored the new terms from XXXX that are attached. My file has n't been updated to show accurate information about my credit history. I am requesting my credit file be updated to show the correct information or deleted in regards outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Incorrect information is being reported. Company will not update information in a timely manner despite updates being provided directly from creditor. Credit score does not reflect activity. Company should have a faster process to resolve disputes when consumers are impacted by negative information especially when it is incorrect. Consumers should not have to pay for these services and not be able to receive expedited assistance in emergency situations such as when health, housing and transportation are impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ALCHRO INC.
State: MA

Complaint narrative:
I 've notified this company for the past 2 years that the debt they seek should be taken up with the insurance company and I 've sent proof of my permanent disability over a year ago. Yet this company still Persues me in regard to this debt

Company response to consumer: Closed with explanation