vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
pra saying they dont have the account and are not reporting to credit reports but they are. XXXX XXXX needs to remove it asap someone is lying about reporting it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding is reporting to my credit report that I owe over {$5000.00}. I never recieved any proof that this is my account. I would like a copy of the original contract stating that this is my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
There is a loan on my account XXXX - Fortiva number XXXX - I did not apply for this load

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.

Complaint narrative:
I am a US citizen. I lived in the US for many years but I have now relocated to the XXXX. I do not have a US mailing address or a US residence address, or a US phone number. I do not foresee any need to obtain a loan from a US institution so I wish to place a security freeze on my credit reports to protect me from fraudsters. I tried to place freezes in XXXX following the XXXX hack and I was successful with XXXX  but not with either Experian or XXXX. I received an email on XX/XX/XXXX from an affiliate of my US credit card company advising me that it had detected new activity associated with my social security number. That day I attempted to place security freezes on my reports with Experian and XXXX  but in each case I was prevented because the agencies require US addresses and/or US phone numbers. The agencies ' websites have very limited  mechanisms for a consumer to communicate with the agencies, and I was unable to find a general email address or phone number for a consumer inquiry. The credit reporting agencies might not be required by law to place security freezes on my credit reports but equally they are not prohibited from doing so. The agencies should consider the interests of the consumers in controlling their financial and personal data.

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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: STATE FARM BANK, FSB
State: NC

Complaint narrative:
I contacted state farm XXXX VIA EMAIL XXXX XXXX to get the following Claims history all payouts claims Vehicle history Policies So I could review for any suspicious activity after pulling me credit on XX/XX/XXXX due to being denied credit and loan And researching transferred monies and notify them of my again identity theft XXXX was great she sent me the attached profile of my claims but she stated she needed to request the claims info details and where all the checks were issued addresses sent to etc to and who what dates and she would send me the I go asap Then she stopped communication XXXX with me all of a sudden after I requested why my XXXX XXXX XXXX claim was labeled closed. 
I need the reason why this claim states closed Who closed the claim ( because I stated I would probably make a claim on it ) the prior claim is opened from XXXX I thought maybe they labeled it incorrectly ) and details and who the XXXX XXXX dollars worth of checks were sent because I did not receive XXXX XXXX dollars. 
Also I need the list of all my vehicles due to my identity theft ( and my marital asset hearing coming up soon ) ) I reported XXXX XXXX XXXX and then to federal trade commission ) vehicles on my policy since existence XXXX for review for fraudulent activity. 
State farm also put a insurance inquiry on my credit in XXXX under XXXX XXXX   stating for insurance underwriting ... .no response ... they deny the inquiry .even though I sent it to them numerous times. 
State farm XXXX Illinois finally after a complaint with the office comptroller and state insurance bureau a piece of paper with a single entry stating XXXX payment {$2000.00} that's it no reason for my claim stating closed or a copy of my vehicles and vin # s history and no copy of my policy at that time. I was with state farm XXXX XXXX since XXXX. And then in XXXX changed to XXXX state farm on XXXX XXXX XXXX XXXX va

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Last XXXX XXXX week 2018, I tried to use my Santander account in XXXX. One of the reasons I had originally opened the account was because I was told that it was an international bank. Much to my surprise, it was not, and I was informed that Santander in XXXX has no connection to Santander in the US. While on the phone, I requested that my account be closed and my funds be returned to me, as I had been lied to. This did not occur. Instead, I had to pull out all of the funds myself. The account sat dormant until they let a charge that was not supposed to go to that account ( it had been set up to charge a XXXX account ), slip through. Because the account was never closed, they continued to charge me fees, etc. The account should have been closed a year ago.

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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am a US citizen. I lived in the US for many years but I have now relocated to the XXXX. I do not have a US mailing address or a US residence address, or a US phone number. I do not foresee any need to obtain a loan from a US institution so I wish to place a security freeze on my credit reports to protect me from fraudsters. I tried to place freezes in XX/XX/XXXX following the XXXX hack and I was successful with XXXX but not with either XXXX or Transunion. I received an email on XX/XX/XXXX from an affiliate of my US credit card company advising me that it had detected new activity associated with my social security number. That day I attempted to place security freezes on my reports with XXXX and Transunion but in each case I was prevented because the agencies require US addresses and/or US phone numbers. The agencies ' websites have very limited mechanisms for a consumer to communicate with the agencies, and I was unable to find a general email address or phone number for a consumer inquiry. The credit reporting agencies might not be required by law to place security freezes on my credit reports but equally they are not prohibited from doing so. The agencies should consider the interests of the consumers in controlling their financial and personal data.

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 non-monetary relief
Consumer complaint received 2019-07-11 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: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
While on vacation in XXXX during XX/XX/XXXX a vendor that my wife and I bought a 80 purchase from. While there the vendor still had a hand held device that was used to read card only no screens or info showed.The vendor when we left tried to access a transaction through my card 3 times. XXXX that Td bank stopped. XXXX that td bank put through and the next day XXXX that td bank stopped. On the XXXX when I got to the resort and checked my account cause family that was with us got hit for fraud for XXXX and there bank stopped it I called my bank in USA and had my branch stop my cards.myself and branCh managers filed 3 complaints for obvious fraud and all were denied. There was obvious fraud 3 times 2 in which TD bank stopped. Bank managers were even dumbfounded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
IhavebeenacardholderwithAmericanExpresssinceXXXX.Nevermissedorlateonapayment.InXX/XX/XXXX,Iwas11dayslateduetobeinginvolvedinanautoaccidentandbeinghospitalizedforXXXXXXXX,XXXXandXXXXXXXX.Importanttonote;Iwasnotatfaultinthecaraccident.However,AmericanExpressusedthatreasontonearlydoublemyinterestratefrom17.99%to29.99%.IbelievethisactionbyAmerianExpressviolatesoneofthebasicprinciplesoftheXXXXCARDACT.Canyouimaginehavingyourinterestrateonanyloandoublethefirsttimeyouareafewdayslate?UNCONSCIONABLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed my Citi Thank You Preferred card on XX/XX/XXXX via a call with the CSR. It was very productive, and they helped me pay off my balance and close the account. 

About one month later, on XX/XX/XXXX, I got an email saying that my closed account was past due, and I owe a payment of {$35.00}. This was a surprise to me, so I called the CSR ( employee ID XXXX ) and they said they could only help me pay and could not help me dispute the late fee. Additionally, they could not tell me the schedule for the fees I had been charged, or when they were set to increase, so I am very confused and am unsure what my options for resolution are. Additionally, they will not let me set up an online account since my card has been closed, so I can't even check the statement!

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 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was charged a cash advance fee for a transaction that I didn't approve. I immediately contacted the company ( Capital One ) and spent over an hour on the phone with them. I was told that I was unable to either receive the transaction itself credited back, or the cash advance fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAINE & WEINER COMPANY, INC.
State: MT

Complaint narrative:
Hello so we had a used car business in XXXX operating under a LLC. We moved out of state a year ago. We had a floor plan for used car dealers to buy inventory for resell with a company called XXXX ( XXXX XXXX XXXX ). My grandmother who passed away XX/XX/XXXX of this year who co-signed this note, and I signed. We had a issue with one car left on our floor plan. They have plastered this information all over our PERSONAL credit reports. XXXX removed the item several months ago, and just yesterday it was reinserted on my credit report ( s ) I have already mailed documentation to the three major CRA 's but XXXX  and XXXX do not want to remove the item. I am pretty much at my whit 's end with this. I have since obtained my license in the State of XXXX, and I am trying to get my business back up and running after over a year. The collection agency is Caine and Weiner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: DE

Complaint narrative:
On XX/XX/2019 a collection came up on my XXXX and XXXX XXXX XXXX. It lowered my FICO score by 25-30 Points. The collection agency is Midwest Recovery Systems, LLC. I received no letters or phone calls prior to this even though my phone number has not changed in 13 years. I filed a complaint to both credit bureau agencies and contacted Midwest Recovery by phone and tried by mail. I received no satisfactory answer via phone and their address was no valid as I tracked the letter via tracking and it bounced from city to city in Missouri about 4-5 times before someone accepted it. 

Bottom line this is not my debt as I stated in the letter and disputes. The following is the " address '' of Midwest Recovery '' MIDWEST RECOVERY SYS, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX XXXX. Phone ( XXXX ) XXXX. This debt originator is XXXX XXXX XXXX Internet, llp whoever that is. 

This debt was removed from both XXXX & XXXX but today checking my FICO I find that it is once again on my XXXX credit report. Nothing to date has been received from Midwest Recovery Systems, LLC even though I asked for documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
This excerpt is a followup fax/email to Select Portfolio Servicing Mortgage company : This letter is a follow-up to my initial identity theft notification dated XX/XX/2019, in which I have been instructed to do by governmental investigative law enforcement agencies and NGOs, e.g. ID Theft Center. This process is tedious and confusing at times but requires that I provide any and all pertinent information needed to conduct an investigation. That any and all creditors, credit bureaus, collection agencies, and financial institutions be provided information to protect their businesses and beware of this fraud case in preparation for prosecution of those responsible. The third step is to see if my accounts are eligible for any extensions, payment arrangements, the placement of collect suppression orders, deferment or any applicable hardship programs to give me time to catch up on payments and correct negative entries on my credit report. I have accomplished these steps as outline below : ***Federal Trade Commission Affidavit , # XXXX ***XXXX PD , Economic Crimes Unit , XXXX XXXX ***Consumer Financial Protection Bureau , XXXX XXXX This XX/XX/2019 notice is to determine the status of my account ( s ) with various creditors germane to hardship programs as part of this recovery process. As  per instruction my XXXX  XXXX XXXX ( XXXX  ) checking account ( s ) from which all creditors are paid, to include XXXX cards and automatic payment setups have been canceled. My XXXX XXXX pension fund has been notified and steps are being taken to get me back on track. A process to improve my quality of life, restore my credit/name, refi my mortgage ( s ) and start my own business here in the great state of Texas w/o these credit/finance issues following me. Im disputing this activity and negative entries that de facto deny equity access to low interest ( % ) loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I sent a validation letter to Bullcity financial solutions on XX/XX/XXXX to get validation and verification of this debt reporting on my credit report. I have no known knowledge of this company and realize this is a third party collection agency. The original creditor XXXX XXXX has violated my rights under HIPAA. I requested for documentation with my signature saying i agreed to pay this debt and i have not received validation that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
Santander bank says there is a ten day grace period on auto loan payments but there charging me interest for every day I was late before the ten day grace period which was not stated anywhere clear in there contracts I called twice and they say this is a simple interest contract and will not refund the amount which the say is XXXX per day on top of the 22 percent they charge on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
This was a phony call and they used a phony last name, not mine. I have no debts that are unpaid and an excellent credit rating ~ 800. 
They have made robocalls repeatedly from various phone # s ( XXXX ) and asking me to call XXXX ( Amerifinancial ). I believe it is a scam. They are an extreme nuisance and It is likely they are doing this to many others, especially retired people. We have received several calls from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In XXXX or XXXX of XXXX, XXXX XXXX issued a request to the 3 credit reporting agencies, Equifax, XXXX and XXXX to fix an incorrect status on my credit report. The error, which showed a " 30 Days Past Due '' status for XXXX, XXXX ( 1 year prior ) was promptly fixed by XXXX and XXXX. Equifax has failed to acknowledge the request and still shows the account past due, when it was not. 

I have separately created a dispute directly with Equifax related to this, but no change has been made. 

XXXX XXXX Account Number : ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
RE : Title Max Acct # XXXX On or about XX/XX/2019 my pension check was with drawn from my XXXX XXXX XXXX bank account leaving unable to make my monthly payment to my creditors including Title Max. I filed a claim with CFPB under XXXX. Here I am merely reiterating my fax/emails by request assistance germane to identity theft and to ask for an extension, payment arrangements, deferment or any applicable hardship programs to ease payments for past due amounts and/or late fees on my account. My pay history will reflect consistent on time payments. I hope that carries some weight in your decision to assist me without interruption in services. Identity thieves spent about {$3000.00} dollars on vacations, charities and live performances in three different states resulting in my bank freezing all setup/recurring payments pending investigation.Please see the investigative authorities below and attached supporting document. 

***Federal Trade Commission Affidavit # XXXX ***XXXX PD , Economic Crimes Unit , case # XXXX ***Consumer Financial Protection Bureau case XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: OK

Complaint narrative:
After Divorce, my ex would not refinance the house she got in the divorce. 
I filed bankruptcy and had the mortgage discharged from me. 
It went away for years, then the mortgage was sold to a new company. They began listing it and my ex 's missed payments on my credit. I appealed to the company and the credit reporting agencies. 
Equifax refused to remove the item stating the company would have to remove it. 
The company ( at that time XXXX XXXX ) refused despite receiving letters from myself and the lawyer who handled my bankruptcy many years before showing I had discharged this debt. 
Then my ex informed me she was re-financing to get my name off it. It went away for a few months and now a new mortgage company I've never heard of has appeared on my Equifax report ( XXXX XXXX ) ( not on XXXX by the way ). 
I did an online dispute with Equifax and received an email they had completed the dispute, and I could view the results online. However their online system does not work and will not allow me to connect saying they need more information from me and providing a phone number. I called the number and went through their prompts to speak with an agent, and got transferred to a message " This is a non-working number '' and hangs up. 
So then I tried their online chat feature on the website. It connected but as soon as I began to type I received an error " You've been disconnected from the agent. Please wait while we attempt to re-establish connection ... '' it sat for a few minutes then popped up " Connection lost : Please check your connection ''. 
I've done everything I can do to get this account which is not mine off my credit, but nothing has worked. I can not afford to hire a lawyer. 
Equifax has gone out of it's way to be unaccessible and prevent actually dealing with the consumers their inaccurate information harms. 
This inaccurate information has prevented me from qualifying for credit, creating financial hardships and further distress for me.

Company response to consumer: Closed with explanation