vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX. '' I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. On XX/XX/XXXX, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use Equifax 's online portal and phone numbers to request my credit report. On the best occasions, the online portal eventually tells me that it is " unable to deliver [ my ] credit file '' and that I should call XXXX to request my credit file. When I call, I am either disconnected at some point, or told that I already received my credit report. 

I am the victim of identity theft and need this report to ascertain the full extent of the damage, but can not obtain it from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, my bank electronically transferred {$1200.00} ( slightly more than 2 months payment as I had missed one month ) to Nationstar Mortgage. My loan was sold to them by XXXX in XX/XX/XXXX. On XX/XX/XXXX, I received a Notice that I was in default by something called XXXX XXXX. When I called and attempted to speak to someone at XXXX XXXX, the recording indicated that Nationstar was now XXXX XXXX. When I got through to XXXX XXXX by e-mail, I had to set up an account and it shows that I owe {$1100.00}. This is incorrect. In fact, I paid slightly more than that as proved by my bank 's confirmation # XXXX, delivered XX/XX/XXXX. The person that I finally got through to ( after 7 calls and hours of wait time ) told me I had to take out a credit report. This incorrect information is threatening my credit line and XXXX XXXX 's failure to properly credit my account could expose me to foreclosure. I want XXXX XXXX to correct its ' information. Further, I 've not received a bill for my next payment nor, in fact, any notice that XXXX XXXX is the proper party to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
In 2007 the HSBC account went into collections due to my XXXX and XXXX XXXX XXXX  from my military service during the XXXX XXXX XXXX. I contacted the company and made payment arrangements which I successfully completed as agreed. I was recently contacted by XXXX XXXX XXXX, again, about this 12 year old past debt, and filed a dispute. Their investigation yielded account information that was not only 10 years old, it did not reflect the payoff agreement, and subsequent paid status of the account.I again contacted XXXX XXXX XXXX by phone and was told they were still investigating the dispute and would not talk about the account. I again refuted the status of the debt, and apprised the company I would be seeking legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
This complaint is about XXXX XXXX XXXX XXXX in XXXX, California. These evil vermin saw me a year ago at their ER. They essentially read my XXXX XXXX and sent me home. The bill was over {$4200.00}, for a XXXX XXXX reading! This did not include any actual 'service ', that was all billed separately. Being post-XXXX America, and because I have the audacity to work for a living, I got bills from half a dozen different agencies. Despite attempts to make equal payments to all associated vultures, one slipped through the cracks. After 30 days without a payment these creeps sent me to a XXXX collection agency that is demanding usurious interest. The XXXX XXXX in their receivables department now refuses to work with me to get the account in good standing. Any patient not in immediate life threatening condition should avoid this place at all costs. Better to grab some cash and head to XXXX. They are a den of thieves and thugs. I can not believe this happens in America.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a joint checking account with my mother at Capital One bank. My mother is the primary account holder and recently XXXX XXXX. Even though I am a joint owner and should have equal access, Capital One froze the account and refuses to release the funds without a copy of the XXXX certificate, which may take a while due to some issues with the doctor signing the certificate. My mom opened this account with me with the intention that I would be able to access the funds in order to handle expenses when she XXXX. Capital One did not properly disclose their practices when the account was opened. As a joint owner, I should have equal liability and benefit in regards to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: NM

Complaint narrative:
I have been a victim of identity theft and have filed all the appropriate info with the FTC, IRS, local police dept., etc. A common activity is to have someone I do n't know open a credit/debit account in my name using my SS #. Every company that I have contacted for resolution/cancellation has helped me resolve the fraudulent account, except Simple. I contacted Simple ( XXXX ) on X/XX/2017. They refused to speak with me about the account, even though I gave them all of my information, including SS #, because I was " not the one who opened the account. '' They refused to even tell me if the account was active or closed. I have placed security freezes on my credit reports to avoid further experiences like this, but I need to clean up all these loose ends and not have open fraudulent accounts. Identity theft is bad enough, but when companies like Simple refuse to help, it makes it that much worse. All I want is to be sure this account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted XXXX XXXX on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, I did not get any help from them.

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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I contacted TD Auto Finance on XX/XX/XXXX and asked them why they accessed by credit file on XX/XX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization they transferred my call around and I got no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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.
State: MO

Complaint narrative:
On XX/XX/XXXX, 2017, I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX '' on my TransUnion credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ).
On XX/XX/XXXX, 2017, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use TransUnion 's online portal to place an extended freeze on my credit report. Usually the online portal will tell me that the system is busy and can not process the request ; however, occasionally, it will give me the error that it can not give me a copy of my credit report. I already received a copy of my credit report, found fraudulent tradelines, and I need to place a Freeze. TransUnion 's error does not make any sense. 

I am the victim of identity theft and need to freeze my TransUnion credit report, but can not obtain a freeze from TransUnion.

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 2017-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
On XX/XX/2017, I received an email from XXXX XXXX regarding my loan status. The email 'confirms my delinquency status ' ... The email was also addressed to several other XXXX XXXX borrowers. This sharing of delinquency status to other persons seems to violate my privacy rights under the FDCPA. Providing my personal email address to other borrowers seems suspect as well. I called XXXX XXXX to complain, and followed up with a written complaint including a copy of the email since they denied sending the email. XXXX XXXX has not responded to complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nations Recovery Center
State: NJ

Complaint narrative:
I filed this complaint as a victim of financial fraud. 

1 ) In a class action case known as XXXX, XXXX. al. v. XXXX XXXX XXXX XXXX et al., XXXX XXXX. XXXX ( S.D. Fla. ), the plaintiffs alleged that XXXX engaged in breaches of contract, breaches of implied covenant, and violations of the unfair and deceptive acts and practices statutes of various states, among other matters, in connection with marketing and administering XXXX XXXX XXXX. The lawsuit was settled on XXXX XXXX, XXXX with the loss of XXXX XXXX XXXX XXXX XXXX. ( Attachment included ) 2 ) As one of the plaintiffs of this class action lawsuit, my XXXX account was cleared, I owed no money of this account. 

3 ) During the course dispute with XXXX XXXX XXXX XXXX, unlawfully, XXXX called my neighbor asking me to pay them. ( voice recorded from my answering machine attached ) 4 ) XXXX  XXXX XXXX XXXX, XXXX. unlawfully suing me for this Chase account for the debt that I never owed them and a judgment was placed on me on XXXX/XXXX/XXXX to be expired on XXXX/XXXX/XXXX ( attachment included ). XXXX and XXXX, XXXX  Counsellors At law is the attorneys for NEW CENTURY XXXX XXXX, XXXX who sued me. ( Attachment included ) : XXXX AND XXXX, XXXX XXXX AT XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX Telephone : ( XXXX ) XXXX 4 )  Last week, Ive received a letter from the debtor who bought the fraud loan from XXXX XXXX XXXX XXXX, XXXX signed by XXXX XXXX XXXX from NATIONS RECOVERY CENTER, INC. demands me to pay the amount of {$4700.00} that Ive never owed them. XXXX XXXX included XXXX : XXXX XXXX Nations Recovery Center, Inc. 
XXXX XXXX XXXX XXXX. 
Telephone : XXXX File XXXX I need your help to resolve this fraud created by XXXX XXXX XXXX  XXXX, XXXX, XXXX AND XXXX, and NATIONS RECOVERY CENTER, INC. This has been dragged on and aggravated me for 7 years, since XXXX. 

Thank you and I much appreciate your help. 

Sincerely your,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX on XX/XX/17 and asked them why they accessed by credit file on XX/XX/2017 and why they have put a Hard Inquiry on my Transunion credit file without my authorization they transferred my call around and I got no reply.

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 2017-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
On this date, XX/XX/17, I called the XXXX branch of US Bank in Oregon ( XXXX ) and spoke with XXXX. An individual is planning to purchase a farm implement from us for a sizable sum of money. He was planning to pay in cash, which would generally be our preference, but in trying to avoid potentially accepting counterfeit currency, I asked that this individual purchase a Cashier Check at U.S. Bank, send me a picture of the check in advance and I would then look up this bank branch 's phone number so I could call and verify that the bank did indeed issue the check on this date so I could feel comfortable that I would be avoiding accepting a potentially fraudulent check. XXXX at U.S. Bank refused to assist me. She said they no longer verify checks over the phone for customer privacy issues. I asked how I was to protect myself and she said bring the check in. I told her the gentlemen is n't going to give me the check without my releasing the farm implement, in addition to the fact that I work and he lives over an hour away ; we ca n't complete the transaction during banking hours. In checking internet sources, my calling is supposedly a way in which I should be able to verify the authenticity of the Cashier 's Check and protect myself. In fact, calling was recommended on more than one site! I told XXXX I have a picture of the check with the check number and that I just needed to verify the check number and amount of the check. Again, she refused to help. This feels very frustrating that this large bank refuses to simply verbally confirm the issuance of a check so that I can feel confident that the check is not forged or counterfeit. In this era of rampant fraud and deception, it just seems like a bank should be able to simply confirm if they issued a check, payable to me, based on details such as the amount and the check number which I can provide them. I do n't understand how that would be invading anyone 's privacy.

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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called Bank Of America Bank several of times and spoke to different managers and filed a complaint with them multiple times about the inquiry that they have put on my XXXX credit file on XX/XX/XXXX, a member of their branch office which pressured me while I was there inquiring about some fees that I was being charged for. 
When I was there the lady assured me an approval for a new credit card, she was pressuring me to do something that I was not wanting to do. She asked what my credit score was and she tried getting me a new credit card, I told my score was low but she said do n't worry its good enough, she said you will be approved for a new card with that score, she came back and said you will get something in the mail. 
After trying to resolve this now I 'm filing a further complaint.

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 2017-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I have told XXXX XXXX ( letter ) to please have his people not to contact me about my car payments, when they are not due to no avail. their computer system, will make it look like you are months, behind, when your payment, has passed the due date and their computer system has not processed the payment, that you have made.I have also to XXXX that my telephone system will not accept ROBO CALLS ... to no avail and they continue to contact me via ROBO CALLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
On XXXX XXXX, XXXX, I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. I discovered a fraudulent tradeline from a collection agency ( Diversified Consultants ) originating from " XXXX XXXX '' on my XXXX  credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). 

This debt is not mine, I do not know where the debt originated. I can presume it is related to the fraudulent names and phone numbers on my credit report, but I do not know for sure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
I cosigned for a private student loan through XXXX XXXX that was later transferred to navigate the primary borrower default it on the loan I was contacted at eight years later that the loan is in default and asked to make a form of payment. The debt collector was called consumer collection services they made agreement with me stating that if I paid {$300.00} I could have my name removed from the loan and I would no longer be liable I have documentation that I have fulfilled my portion of this I am now in a small claims suit against a different debt collector for the same dead and they are garnishing my wages for the full amount of the loan which is {$2900.00}. I have already contacted them and provided them with the information and copies of the letter showing that I have satisfied my end of the dead yet they still pursue legal action against me. No I have lost 25 % of my income which I can not afford and I do n't know what to do. If requested, I can provide additional copies of said agreement that removes me from this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I have attempted several times to get this collection removed that is from XXXX XXXX XXXX or IC Systems IC. I have provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. This is not my account. Please help me to get this item removed from my credit file. I have the signed copy of the FTC if you need 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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called XXXX XXXX XXXX Bank several of times and spoke to different managers and filed a complaint with them multiple times about the inquiry that they have put on my TransUnion credit file on XXXX/XXXX/XXXX, a member of their branch office which pressured me while I was there inquiring about some fees that I was being charged for. 
When I was there the lady assured me an approval for a new credit card, she was pressuring me to do something that I was not wanting to do. She asked what my credit score was and she tried getting me a new credit card, I told my score was low but she said do n't worry its good enough, she said you will be approved for a new card with that score, she came back and said you will get something in the mail. 
After trying to resolve this now I 'm filing a further complaint.

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 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2017 I discovered a fraudulent tradeline from a collection agency ( XXXX XXXX ) originating from " XXXX XXXX '' on my TransUnion credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). This debt is not mine, I do not know where the debt originated. I can presume it is related to the fraudulent names and phone numbers on my credit report, but I do not know for sure. 

I also noticed that the TransUnion credit report XXXX XXXX was illegally permitted to access my credit report for an allegedly " permissible use '' of debt collection. This is especially specious given the clearly fraudulent name that appears to be the source of this alleged debt.

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