vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX received an email from XXXX XXXX with the email address of XXXXXXXXXXXX, which stated my application had been approved to complete surveys. I was asked to verify my information which I did. Continuing, the email then stated that the information would be used for payment to execute my assignment as well as my wages. 

I received a XXXX email from the same person as above which stated : XXXX assignment to start the next day, Note that a check will be sent to you by XXXX overnight to proceed with the task immediately. 

I received a check by XXXX on XXXX/XXXX/XXXX in the amount of {$1200.00} at which time I was to deposit in my bank XXXX XXXX Bank XXXX and withdraw funds of {$1000.00} and complete assignment. To complete assignment I was to wire the XXXX to the XXXX store in XXXX, Colorado payable to XXXX XXXX for pick up by her. Then to complete a survey after assignment was processed. 

On XXXX/XXXX/XXXX I received another XXXX containing another check in the amount of {$1200.00}, was to complete the assignment the same as before to the same location as above and to the same person XXXX XXXX at the XXXX, Colorado XXXX store. 

Within XXXX minutes my bank XXXX XXXX Bank XXXX contacted me, XXXX XXXX advised he believed this is a money laundering scam and advised me to cancel the transaction and redeposit the XXXX back into my account, which I did. 
I was also advised to file a police report with the La XXXX XXXX, which I did on XXXX/XXXX/XXXX case # XXXX. He made copies of all documents, check, bank info, receipts. 

On XXXX/XXXX/XXXX I received a message from XXXX XXXX asking why I had cancelled the XXXX transaction, I told her this was a scam and my bank advised to cancel the transaction and redeposit the money into my account. 

On XXXX/XXXX/XXXX received a message from XXXX XXXX XXXX additional email that XXXX more checks were coming and to follow directions for the assignments the same as before. Then received a message from XXXX XXXX to shred the checks when I received them. 

I have no way of attaching all documents to this report but will mail in if I can get an address to send them to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
They discharged and forgave the loans reported them as discharged, then the law office debt collectors still pursuded unlawful foreclosure. They gave fraudulent info to the court to obtain a judgment for loans that were not ours against even our children who were not on the loans or deed to our home. Ruining their credt too. Then after they sent a letter to the sherriff to not conduct a sherriff sale for the reason that the debt was forgiven and there was a XXXX balance on the judgment, then severalmonths later the same law firm collector tried to conduct a sale anyway with no notice and is trying to unlawfully obtain possession of our poroperty. The Bank made a settlement with me to dismiss the claim, but then again would not take what they told me to send them. This collector Law firm has serveal cases where the judge in one opinion of the supreme court upheld sanctions against them for fraud, submitting complaints fraut with errors, and the judge said it was worth to not that the company XXXX has been under serious scrutinization because of their fraud and he knew of 23 other such cases in his district ALONE he wrote in his opinion. I have somewhat figured out what they do, and they need to be prosecuted and stopped. I will provide what I have learned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
My Experian credit report with another individuals name and All my personal information was sent out without my consent or knowledge.

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 2017-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Every day, this company calls me at least 3-4 times a day. It started as two calls and then went up to three calls a day and now they sometimes call me as many as 5 times a day, all usually made before XXXX. Sometimes they call from the same number, other times they call similar numbers ; for example, one number they call me from often is ( XXXX ) XXXX and another they often use is ( XXXX ) XXXX. They 've also used ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX as far as I know. On XX/XX/XXXX, I received a two calls from Transworld Systems Inc. I answered the second call at XXXX XXXX. They informed me of who they were and I requested for them to not call me. The following day, on XX/XX/XXXX, I received another call from them, but this time the number was blocked. I asked who it was, they said they were a debt collector from Transworld Systems Inc, I immediately hung up. I answered another one of their calls on XX/XX/XXXX at XXXX XXXX from phone number ( XXXX ) XXXX, asked them what they were calling in regards to. They told me they were a debt collector from Transworld Systems Inc. I told them to stop calling me. On XX/XX/XXXX at XXXX XXXX they called again from another phone number. I asked who they were and they told me they were a debt collector. When I asked what company they were collecting for, they hung up. The following day, XX/XX/XXXX, they called from the same number ( ( XXXX ) XXXX ) 4 times before I answered their call at XXXX XXXX. I asked them, again, what company they were with. They told me XXXX XXXX XXXX. I told them once again to stop harassing me and hung up. They have woken me up on numerous occasions and several times within the same morning due to the number of times they call. It has gotten to the point where I now keep my phone on silent, which has resulted in me missing very important phone calls ; two of which were job opportunities. 

I can send screenshots of the call logs if needed. I can also provide further details for specific calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This company is reporting to all 3 of my credit bureaus and I do n't owe them money. They do n't have any signed contracts or documents from their company to prove that I owe them. I have disputed this with the company and they continue to call and harass me. My credit is being impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BB&T CORPORATION
State: FL

Complaint narrative:
My transaction history is completely different than my account history I 've spoken to them there third-party costumer service tells me im lying that that ca n't be I asked them to check they said no I 've went too threw separate branches have been told people would call me back nobody calls back they call the people who can see the account they say I ca n't read my account they tell them no he 's reading it rite then they say we should do a balance check and they refuse

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 2017-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
Addendum to case # XXXX XXXX - approved for XXXX based repayment -- payment is much lower than I 've ever paid, but my family size and income have remained the same XXXX - called to make sure XXXX payment amount is correct ; account rep said my family size was incorrectly input as XXXX. Account rep says that it was probably an input error. I checked my form later and there 's no way I filled in I had a family of XXXX. Now, I have to resubmit my XXXX application with correct family size ( which is nothing, because it 's just me ), even though it was their fault, and I had to figure it out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: MS

Complaint narrative:
I was selling an item on XXXX. I received a check in the mail for the item and when I deposited the next day the funds were returned, onXX/XX/XXXXindicating a bad check. That was fine and I understand totally. But my bank Suntrust put a hold on the check amount essentially withdrawing that money again. When I went to a branch to address the issue it was sent to their fraud department. Then they put a no debit status on my account, locking it and holding all my funds hostage while they " investigate. '' Suntrust has illegally locked up my funds and ruining me financially. It has been almost 30 days and they said it would be resolved in 10-15 days. The representative I spoke with from Suntrust said the no debit status would only last five days! I have rights as a consumer and Suntrust is blatantly abusing 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 2017-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX Bank XXXX original creditor XXXX and XXXX XXXX balance has been paid in full and satisfied as of XXXX/XXXX/XXXX. This matter has been resolved out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I disputed this item on my credit report and it was verified. I then contacted Kohl 's to dispute the account which I am allowed to do per the Fair Credit Reporting Act and Fair Credit Billing Act. I sent them a dispute letter on XXXX XXXX and on XXXX XXXX they wrote back and said they ca n't verify the account because they no longer have the credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
XX/XX/XXXX ( last year ) my mother passed away and I went to Ohio to help with her funeral and ended up paying many expenses we thought were covered by her insurance. Due to using my savings to help with funeral expenses I was unable to make my next mortgage payment. I made mortgage payments the following two months, but was still 1 month behind. At the beginning of XX/XX/XXXX I was laid off from my job. Knowing I could n't catch up the month I was behind and that I would n't be able to make any more payments until I went back to work, I called US Bank Home Mortgage to see if there were any options for assistance. I was told by the agent " Off the Record ''  that I needed to be at least 3 payments behind before they could do anything to help me catch up. I asked if that means I should just not make payments for at leas three months so I could get help. The agent said he ca n't advise me to skip payments, but " yes. '' So in XXXX I again called US Bank and applied for mortgage assistance. It was determined that I was not eligible for assistance at that time. I immediately attempted to pay 3 months ' mortgage payments to catch me up to being only 1 month behind, but the check was returned to me uncashed stating that I owed 4 months mortgage payments and they would n't accept 3 months payments because it was n't the full amount owed. I was advised " off the record '' to make sure I have no money in my bank accounts and try applying again for assistance. That would make it more likely I would get help catching up payments. So I used my savings to pay other bills XXXX while my credit bottomed out due to mortgage ). With no money in my account, I applied again. I was again denied, and told they were starting the foreclosure process unless I could come up with the total amount that I am behind..which is n't possible.

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 2017-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX is mis-representing the age of a date and are trying to Illegally re-age a debt by incorrectly reflecting the date of the original debt. A dispute was done with XXXX, XXXX and XXXX. XXXX saw the dispute as accurate and removed it from my report. XXXX XXXX XXXX is stating that the debt was opened in XXXX XXXX 2016 and the debt is older then that. Due to their shady and illegal business practices, I feel this claim of debt by them is unsubstantiated, unfair and is inaccurately reported. I am supported by the fact that XXXX agreed and removed the collection from my report. Furthermore, XXXX XXXX XXXX XXXX has made several harassing and inappropriate calls at all times of the day and night and all days of the week, outside of what is legally acceptable. XXXX XXXX XXXX has not provided proof of the original debt from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Used XXXX XXXX site that showed me a page with loans that I could be eligible for and said it was n't an application but to put how much I needed and I hit enter and sent told me I 'll be getting info to see what they say. Now I have a copy of my credit report and XXXX XXXX ran my credit to all those loan places that was on that page and I now have XXXX inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Experian and spoke to a gentleman regarding some fraudulent inquiries on my credit report. I explained that yes some of the inquiries are mines however many are not. The gentlemen that I spoke with told me that it was close to them closing and that he was unable to assist me at the time. I am very upset regarding this information that the agent was not willing to help regardless of the time I reached out. I asked if they can be removed immediately or at least investigated to be removed. He was not willing and I need the information that fraudulently appear removed IMMEDIATELY. The following information/inquires are not mines and I have no knowledge of the information. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX/XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX  XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX/XXXX XXXX XX/XX/XXXX 14. XXXX/XXXX  XX/XX/XXXX 15. XXXX/XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX  XX/XX/XXXX 21.XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 22. XXXX XXXX  XX/XX/XXXX I have previously explained that I have been a victim before and know that my personal information is still being used.

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 2017-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX BOA offered me an incentive under the Home Affordable foreclosure  Alternatives program that I qualified for. I was going through a very difficult divorce and had XXXX children, a full time job and no child support. This program offered me incentive money and debt forgiveness that would not be taxed by the IRS. However, BOA filed a XXXX misc. instead of a XXXX, and now the IRS is after me for nearly {$4000.00}.

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 2017-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I am filing a complaint against this collection agency due to shady and unprofessional collection tactics. I had previously reached out to them because they obtained an old medical bill for services in XX/XX/XXXX and reported it to XXXX. This bill originally belonged to XXXX XXXX XXXX for {$200.00} which does billing for XXXX facilities and not XXXX XXXX as this agency reported. I had made a payment arrangement with XXXX of {$15.00} a month and the rep that I spoke with years ago advised that it would not be sent to collections. At the time that service was rendered at XXXX XXXX XXXX, I was unemployed and had no insurance. Then my account was sent to collections with no notification ; only the negative account on my credit report. Fast forward to XX/XX/XXXX when I discovered this collections account, I spoke to one of their reps, XXXX. I gave her my new address and contact information. She advised, " that if I paid this bill in full, she would definitely remove this account from my credit report. '' I researched this collection agency and they have a multitude of complaints filed against them. They have an F score with the BBB due to  deceptive collections tactics which are strictly forbidden by the Fair Debt Practices Collections Act ( FDCPA ). Since I was suspicious of the rep 's offer, I sent her a Pay for Delete Agreement letter and asked for her written confirmation or signature as an assurance that she would fulfill her verbal agreement. Needless to say, she denied my request and therefore I withdrew my offer. This collection agency is renown for lying to consumers just to collect on a debt. I just checked my credit report today and this agency is still reporting this adverse account which is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: Phoenix Financial Services LLC
State: AR

Complaint narrative:
I was sent a letter by Phoenix Financial Services, LLC in XXXX, XXXX, which was recently discovered AFTER this collection group reported a debt from XXXX XXXX, XXXX to all three reporting agencies in XXXX, XXXX. The debt lists the creditor as XXXX XXXX XXXX, in the amount of {$820.00}. When I contacted Phoenix Financial, they had no other information other than the unnamed physician was on staff at XXXX XXXX XXXX XXXX, but did not know where. They were not the original creditor as I was told, nor did they have any other information about this presumed debt. I was told they could get this information and for me to allow three weeks to receive it. Under the Fair Credit Reporting Act, they are to have the original file in their possession prior to any reporting to the three major bureaus, which they did report on XXXX XXXX, XXXX. 
I want this item removed as they failed to follow proper protocol - I knew nothing of the debt as my insurance would have paid the entire claim. I was not notified, yet XXXX XXXX XXXX turned me over to XXXX XXXX, and XXXX, causing my credit score to drop XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Used XXXX XXXX site that showed me a page with loans that I could be eligible for and said it was n't an application but to put how much I needed and I hit enter and sent told me I 'll be getting info to see what they say. Now I have a copy of my credit report and XXXX XXXX ran my credit to all those loan places that was on that page and I now have 12 inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
This is my second complaint with regards to the same issue at PNC mortgage. The roof of our residence was damaged in the hailstorm on XX/XX/2017. Our insurance company has issued us a check so that repairs may be performed. The check is made out to PNC. I have sent the check and all of the necessary paperwork and PNC is still stating that they do not have the paperwork. ( I have sent the insurance adjuster 's estimate from XXXX XXXX at least 3 times. ) I have a contact with PNC mortgage named XXXX XXXX, and when I have tried to call or email her, the email comes back as 'undeliverable '. 

Complaint number XXXX

Company response to consumer: Closed with explanation