vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
XXXX to XXXX XXXX. Sent me to collections but I paid it before it was ever sent to collections and I have teh bank statement to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
On XX/XX/2018 & XX/XX/2018 I submitted very specific disputes to LexisNexis regarding the public records item below. Their completely unrelated responses are included with this complaint. Additionally, I sent a XXXX late complaint XX/XX/2018 with no meaningful response. LexisNexis is in violation of FCRA regulations and per FCRA are obligated to remove this item from their report : XXXX BKPT CT IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
incorrect hard inquiry on credit report. ( 2 of them ) XXXX XXXX from XX/XX/2018 in error. Already contacted them, they told me to file a complaint here. Their phone number is XXXX XXXX XXXX I two incorrect hard inquiries XXXX XXXX and XX/XX/XXXX not recognized, it is for credit card/airlines. Never contacted them. 

their phone number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: CT

Complaint narrative:
A CREDIT INQUIRY FOR XXXX XXXX XXXX WAS PLACED ON MY TRANSUNION REPORT ON XX/XX/2018. I IDID N'T AUTHORIZE THIS INQUIRY FOR A CAR. 

FRAUDULENT INQUIRY WAS MADE TO XXXX XXXX XXXX BY AUTO DEALER. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: SC

Complaint narrative:
I have this loan opened under my name, This is a fraudulent charge, I have never opened any kind of loan with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery called inquiring about my XXXX. I told them I can't help them and to not call me, as I am on the No Call List. I mentioned this to my XXXX, he denied knowing why they would call me, and was no help. That was a number of months ago - I have been too busy to contact you sooner. 

At least two or three times a week since then I get calls from them from different phone numbers which I do not answer. I did get a call this morning, and now have time to contact you. Their numbers have been : XXXX ; XXXX ; XXXX ; XXXX ; XXXX I do not have any reason to have any dealings with them. Even if they had XXXX XXXX phone number, he would not answer. So I guess this gives someone a job, fine. But invading my personal life and that there is a law against this, I do appreciate any assistance from you to stop this harassment and to take action against them. Thank you-

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
I am assisting XXXX XXXX XXXX with some credit issues. I am a XXXX and XXXX  XXXX with XXXX XXXX XXXX XXXX. We have tried twice to get XXXX XXXX to discuss the account that they have on XXXX XXXX 's XXXX  credit report. They will not speak with us. XXXX XXXX was in the office with me when we called them. They knew that she was in the office and they would not speak with us. She tried speaking with them on her own and they would not speak with her. 

XXXX has this joint account as an individual account. I am enclosing the XXXX credit report showing the original XXXX account that is joint with her then husband, XXXX XXXX. Then you can see where XXXX XXXX has it listed as an individual account with only XXXX XXXX. 

I am enclosing the decree of divorce between XXXX and XXXX XXXX from XXXX stating the XXXX account as joint and XXXX XXXX 's liability not XXXX XXXX 's responsibility. 

I am attaching documents from XXXX County Municipal Court. I pulled up documents under XXXX XXXX 's name as there are no documents under XXXX XXXX 's name. But you can see in the original documentation that XXXX XXXX listed both XXXX XXXX XXXX AND XXXX XXXX XXXX and listed them at their address where they lived together. Somehow in following documents, XXXX XXXX XXXX 's name is taken off the documentation. XXXX XXXX approached her attorney to assist her in this court matter. Her attorney did file some documents on her behalf. XXXX stopped trying to get in touch with XXXX XXXX XXXX. 

When they went to get personal earnings at XXXX XXXX XXXX, XXXX responded " never employed ''. Of course, XXXX XXXX had never worked at XXXX. XXXX XXXX XXXX still works at XXXX. Both XXXX and XXXX XXXX signed for this XXXX loan. XXXX has dropped XXXX XXXX 's name and apparently responsibility for paying the loan back. We have tried to dispute this through XXXX and XXXX XXXX never received documentation back. XXXX still has the loan reported as individual and not joint. 

We have had no success in getting XXXX to speak with XXXX XXXX about this loan. We have had no success in getting XXXX to report the loan as a joint liability. We would, of course, like XXXX to try to garnish XXXX XXXX 's wages at XXXX since he is liable for the debt and he is employed. XXXX XXXX is on XXXX XXXX XXXX and has been since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ME

Complaint narrative:
at the end of XXXX around the 25 USAA started putting money into my account for some unknown reason claiming it was due to fraud. On XXXX sixth the took two recovery amounts out of my account one being for XXXX the other for XXXX causing my account to be in the negative for a total of XXXX they will not say why other than it is due to a fraud case that I did not file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called into XXXX AND XXXX and XXXX XXXX department to cancel my membership and its been little over a year and they haven't canceled it and the creditors keep saying it locked on there end and i need to contact equifax which i did and they told me there is a credit lock and i told them to remove it and there is a computer glitch on there end and my credit lock is unable to be unlock and i called like 8 times to get this resolved and i never heard back from equifax/XXXX and XXXX  and XXXX XXXX and my credit is still lock

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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:
They make it very difficult to cancel their reporting service. 
1 ) There is no online option to cancel the account. ( Its easy to sign up for the account though ) 2 ) Had to wait for 3 hours on the phone to get someone. 

Its the worst experience I had canceling my account compared to any other organization.

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 2018-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Regional Processing Services
State: TN

Complaint narrative:
First called from a local number then left a voicemail that stated they were from some place called Regional Processing out of XXXX Ga. They threatened legal action stating I owed money to a place called XXXX XXXX and that they were getting ready to file paperwork for legal action and that the processing servers were looking for me as we speak. I do not owe any debt from said company. They have repeated called relatives and others looking for me.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-28 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: TCF NATIONAL BANK
State: IL

Complaint narrative:
I EXPERIENCED SEVERAL UNAUTHORIZED TRANSACTIONS, THAT WAS CHARGED TO MY CHECKING ACCOUNT. THESE CHARGES WERE FALSIFIED BY, TME ( XXXX XXXX XXXX ) IN THE AMOUNTS OF XXXX, XXXX,XXXX AND XXXX.THESE CHARGES CAUSED AN OVERDRAFT ON MY ACCOUNT, IN THE AMOUNT OF XXXX. I FILED A FRAUDULENT COMPLIAINT WITH TCF BANK, THE COMPANY PUT ALL OF MY FUNDS BACK IN MY ACCOUNT, HOWEVER, TCF REFUSE TO WAVE THE OVERDRAFT FEE. I SPOKE WITH A BANK REP. AND A MANAGER, WHO REFUSED TO WAVE THE XXXX FEE. IN FACT THE BANK REP. THAT FILED THE COMPLIAINT ( XXXX ) STATED THAT ONCE XXXX XXXX, REFUNDED MY MONEY BACK INTO MY ACCOUNT, THEY WOULD WAVE THE OVERDRAFT FEE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have had countless problems with my loan company. To begin with, I was never contacted by the company after my grace period had ended. Around 6 months later, they finally contacted my father. At this point, my loans were completely delinquent. This slip up RUINED my credit score. I couldn't do anything. I couldn't buy a car on my own. This had dropped my, previously acceptable, credit score into the 400s and I was told they couldn't do anything about it. As if that wasn't enough, several years they did it to me again! I apparently had another secret 9,000 - 10,000 dollar loan that I didn't know I had. So now, on top of my already monumental student debt, I have ANOTHER loan that I'm not entirely sure where it came from. Again, they sent all this information to my father without ever even contacting me. I can not stand this company. My struggles have been ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I applied for an American Express XXXX gold card through a solicitation I received as a result of being an XXXX platinum elite member participant. I received email notification within minutes stating my application was declined " because American Express cancelled ( my ) previous account ''. I do not recall having an American Express account. May be my wife? Or Business account? The declination letter also stated I could contact AMEX customer service, which I did. The agent that I spoke with advised me that he could not locate any prior account in my name and was unsure why I would be declined for an account. I asked if I had perhaps been an authorized user on someone else 's account and was told there was no record of that either. I have very good credit and have never been declined for a credit card, car loan or mortgage loan. I would like someone at AMEX to review my application and inform me in more detail the reason it was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Account Number : XXXX XXXX  Account Name : I.Q. DATA INTERNATIO Date Opened : XX/XX/2016 Balance : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Freedom Mortgage has a very, very dated website that is extremely troublesome and won't process payments half the time. I have reached out to their customer service to see if there were options to pay my bill besides having to call the customer service number and speak with a representative. In XXXX when I attempted to pay my bill, I had issues and sent several emails with no follow up. Please note, there were additional problems making the XXXX payment. I was unable to pay on the site, through the automated system, and got disconnected from waiting on a customer service representative. I called on XX/XX/XXXX alerting the representative of the troubles I encountered the previous night. She stated there were a few issues due to heavy processing at the end of the night on XX/XX/XXXX. She stated that a supervisor would call me to assist. I never heard from anyone until I called after I was reported 30 days late on my credit. Please note, the company acknowledged that they received my email about issues with payments but the ball was dropped. I did alert the representative that a call was made to make my payment on XX/XX/XXXX but it did not go thru. They have marked my credit ( which has dropped scores tremendously XXXX, and they will not budge and offer a goodwill adjustment. I provided the company with a copy of my call log showing I was on the line with Freedom Mortgage for 14 minutes before being disconnected. I have sent multiple emails with the evidence I just described, showing that this was a fluke mistake. I emailed all of the executives, including the CEO. There are dozens of consumer complaints on The XXXX ( and XXXX, and virtually every other outlet ) outlining problems with ability to make payments. It is very alarming that when I reached out for help the month before with customer care and leadership, no one offered assistance.

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 2018-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/2013, I filed for a divorce. I had to do a modification on my home. I submitted a quick claim deed and a divorce decree stating my husband name is to be removed for the loan. I was approved for the modification using only my income and my information. My ex husband information was not used because he was to come off the loan. I would like for Chase to correct their error and remove his name from the loan. I have been paying the mortgage for the last 6 years on time. Chase continue to tell me they can't remove his name from the loan. They have denied me several times for an assumption. They also denied me a refinance. I'm hoping this issue can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX has 2 credit inquiries from the same exact bank which lowered my credit score. Not only that, but I didnt authorize either one. Its XXXX XXXX/XXXX. XXXX has also been charging me a monthly charge of {$39.00} which was not authorized and has placed an unauthorized alert on my credit file stating that I must be contacted by phone before extending any credit yet theres no phone number that XXXX will release. XXXX XXXX sent me a letter last week to let me know that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
First called from a local number then left a voicemail that stated they were from some place called XXXX XXXX out of XXXX Ga. They threatened legal action stating I owed money to a place called Cash Central and that they were getting ready to file paperwork for legal action and that the processing servers were looking for me as we speak. I do not owe any debt from said company. They have repeated called relatives and others looking for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase Bank will not release the funds of the deposited check with no reason given. I deposited the check on the XXXX and was told the funds would be available on the XXXX like they always have been in the past. Today, the XXXX they send me an email saying the funds " should '' be available on XX/XX/XXXX but it could take longer. No reason given at all. I am not overdrawn, I have not had any fraud or problems with our account. I have never had a check bounce or anything like that. So I gave them a call. 

They claimed twice ( after two calls ), that XXXX XXXX XXXX have not released the funds to them which is false. I have confirmed with XXXX   XXXX XXXX that they have released the funds to Chase and have a cleared copy of the check. There is no fraud hold or anything else other than them refusing to release the funds to me. Even though they said that XXXX has not released the funds, they also added that they have 7-10 business days to release the funds. So basically they are now telling me two stories.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have been getting many, many solicitation phone calls from the XXXX, CA area. The most recent was on XX/XX/2018 at XXXX XXXX It showed on my cell phone from XXXX. When I replied to the call to tell them to take me off their list, the person told me to " shut my bloody mouth and then hung up on me ''. Although I pressed reply thinking it would go to the same number it was connected to XXXX. 

The other XXXX calls I have received are XXXX on XX/XX/18 ; XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
A collection agency named FirstPoint just reported a {$490.00} medical bill on my credit report. According to the Fair Debt Collection Practices Act, they were supposed to provide me with a 30-day notice to dispute, prior to reporting it on my credit file. If did not receive this notice. This bill just showed up on my report out of the blue. If I had received notice of this bill, I would have contested it, because I have health insurance, and I am sure it had to be a mistake. However, I was never given the opportunity to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent XXXX and Experian proof, of a paid Medical bill. That was paid by XXXX XXXX XXXX XXXX. XXXX and Experian response was after there investigation that the account is being reported accurately from XXXX XXXX XXXX which is a collection company..

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