vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: CA

Complaint narrative:
I received an letter in the mail on XX/XX/2018 from the FTC about a lawsuit against Ameritech Financial. The company is a fraud. 
Ameritech has been withdrawing around {$200.00} on the XXXX of every month for the past for few months. I'm uncertain of how long, I have lost track, but it has only been since XX/XX/2018. 

I called Ameritech today ( XX/XX/2018 ) to cancel my subscription and rquest my money back. I was told that because the lawsuit has only been filed, and that it hasn't been ruled on by a judge, that they can not issue me or anyone else a refund. Ameritech did claim to cancel my subscription. 

I contacted my credit union today ( XX/XX/2018 ) to make sure that Ameritech can no longer withdraw money from my account once a month. If they continue to do so this week, I'm having my credit union dispute Ameritech.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is the third time I have complained about this issue, I am no longer associated with these following addresses and they need to be removed ASAP. I would like my information to be removed from all pre-screen products and insurance promotions. Please delete the following addresses : XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY 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 non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I received an updated copy of my credit report to find out that Diversified Consultants Inc. reported that I owe {$140.00} for XXXX when this account has already been proven that I do not owe it. I do not owe XXXX and the account was removed not once but three times by all credit bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account was sold to two ( 2 ) different collection agencies and none of them had proven the debt. XXXX then resold the debt to Diversified Consultants who assumed the new right to collect. Diversified Consultants posted a collection to all three credit bureaus for a debt of {$140.00}. The posting states that this is an active collection opened XX/XX/XXXX. Prior to this account appearing on my report, I did not receive a 30-day notice of my right to dispute. By reporting this debt on my report without providing this notice, Diversified has violated my federal right, as protected under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA has been applying my credit card payments incorrectly and charging interest for every purchase made with the card, in violation of the Credit CARD Act of XXXX. In XX/XX/XXXX, I transferred several credit card balances to my USAA credit card account with a promotional 0 % APR until XX/XX/XXXX. After the balance transfer was complete, my payments to the credit card account have been above the minimum due and paid for all purchases made. When I reviewed my statements since the beginning of the year, it is clear to me that my payments are not being applied in accordance with the Credit Card Accountability Responsibility and Disclosure Act of XXXX section 104, which states : " Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' When I discussed my concern with USAA, the representative explained that only a portion of my payment went towards purchases and that the only way to not be charged interest for purchases would be to stop using the credit card. None of this was explained in the balance transfer agreement. The USAA representative also explained that there was no way to tell by looking at the statement how much my payment would have to be to not be charged interest for purchases. As an example to how my payments are being applied incorrectly : My statement dated XX/XX/XXXX shows that I was charged interest for {$250.00} for regular purchases. Also on this statement, I made {$380.00} in new purchases and payments totaled {$2200.00}. The next statement dated XX/XX/XXXX shows that I was charged interest for {$310.00} of regular purchases. My payments the previous month were {$2100.00} above the minimum payment due so there should be {$0.00} interest charged if my payments were allocated correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: TX

Complaint narrative:
Equifax I have sent them documentation of police reports, federal document, dark wed usage of my personal information that has been going on sense XX/XX/2006. I requested many times that Eqifax validate to me a copy of an actual signed contract with my signature on it for XXXX XXXX. XXXX has refused to respond to my letters and faxs SO HOW CAN YOU EQUIFAX VALIDATE IT.XXXX XXXX is not a real investigation .I request actual signed contract sent to me I do not owe anything on this debt because I paid it to get if off my credit report Even tho it was not mine you are violating my rights by not sending your investigation to me or removing this from report .it is reported to the FTC also Equifax you say if I have any questions contact Vz enclosed is my tring to contact them NO LUCK that mean you didn't also

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Old Republic National Title Holding Co.
State: NC

Complaint narrative:
Please respond in writing and advise me of ; 1 ) Any Interest XXXX XXXX XXXX XXXX XXXX XXXX, its subsidiaries, reinsurer and or affiliate have, hold and or own, including Beneficial Interest in properties commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX and or XXXX XXXX XXXX XXXX XXXX, NC XXXX. 2 ) Please provide me with the legal description of any first mortgage loan ( s ) fee simple real estate that you or your subsidiary, reinsurer and or affiliate have accepted without recourse as it relates to the insurer ; ( 11 NCAC 11C .0119 ). 3 ) Please respond to my previous letter dated XX/XX/XXXX as this now serves as my third request. 4 ) Please provide me with the policy numbers as reflected on the HUD dated XX/XX/XXXX for the GAP in coverage spanning XX/XX/XXXX - XX/XX/XXXX. 5 ) Please provide written explanation of why XXXX XXXX XXXX XXXX XXXX XXXX insured stacked and recorded four Deeds of Trust specifically dated XX/XX/XXXX and XX/XX/XXXX that were not in compliance with XXXX XXXX  ( servicer ) closing attorneys specific written instructions. 

Thank your in advance for taking the time to understand my complaint and your substantive response to these specific five issues each being numbered above. 

Regards - XXXX XXXX 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 2018-07-18 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/2018 I mailed TransUnion a written request to be sent a complete, free copy of my credit report. 
My request was sent via XXXX Certified Mail, Receipt # XXXX and was delivered on Sat, XX/XX/XXXX, XXXX XXXX My credit report request included clear copies of my State Identification Card, which is current and not expired, which also clearly lists my current XXXX XXXX mailing address that I requested my credit report be sent to, and a copy of my Social Security card for identity and address verification. 
I have received no response from TransUnion regarding my written request to be provided with a free, complete copy of my credit report. 
I have not received my credit report as requested from TransUnion. 
I am a Victim of Identity Theft and TransUnion is hindering my ability to monitor the information contained in my Credit Report by ignoring and denying my requests to receive my Credit Report as requested, which is well within my rights as a Victim of Identity Theft.

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 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
I sent a certified letter out on XX/XX/2018 asking could this company validate my debt. What I received back did not validate the debt. I received an itemized statement instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is the third time I have complained about this issue, I am no longer associated with these following addresses and they need to be removed ASAP. I would like my information to be removed from all pre-screen products and insurance promotions. Please delete the following addresses : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 4XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, KY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is the third time I have complained about this issue, I am no longer associated with these following addresses and they need to be removed ASAP. I would like my information to be removed from all pre-screen products and insurance promotions. Please delete the following addresses : XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX , XXXX, KY 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 non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Corporation of America
State: MO

Complaint narrative:
At XXXX XXXX  on XX/XX/XXXX, I received a call from a person who refused to be helpful. I asked repeatedly whether this was an attempt to collect a debt and was told that the company ( Financial Corporation of America ) did not have to tell me that unless I verified my address and date of birth. 

The representative kept calling me sir ( I am a woman- and the person refused to stop calling me sir for a long time- I am very self conscious about my voice ). The representative also informed me that the company would not send any further mailers unless I gave them an address- then the person stated my XXXX daughter 's name. 

I believe this is a scam and told the person that I thought so and the person insisted on wanting to end the call while I asked to research the company online. A " supervisor '' came to the phone at my request and stated that another mailer would be sent. 

I do not know this company and do not know why they would be contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Sunday XX/XX/2018 at XXXX i texted someone from XXXX if two XXXX   XXXX tickets were still available. He called me back and said he could do two for XXXX, i asked how will i receive the tickets he said he would log into XXXX XXXX once he receives the money and email me my tickets. I asked if he is not gon na be at the game how do i pay em for the tickets. He responded just send through your banking app ( I had never used XXXX before at this point but knowing my bank is backing it i thought it would be protected like XXXX ) Sure enough i send him XXXX and his phone turns off once he receives it. I call the bank and they can't do anything about it ( His info for XXXX is XXXX and his name is XXXX XXXX XXXX ) My XXXX was transferred from my Bank Of America account, to his bank of america account. XXXX also said they can not do anything since they can not access someone else 's account to get my money back. I filed a police report through XXXX county sheriffs dept. case no. XXXX. 

People need to know XXXX is not safe or backed by your bank if you are scammed, false sense of security.

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 2018-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: PA

Complaint narrative:
This is a follow up on a complaint I lodged against Nationwide Recovery Systems for violating the federal law and violating me. Review complaint I previously lodged and the complaint number is XXXX XXXX. How on earth can you have closed this case with everything still pending, they told you they were going to furnish me with a validation of debt which they never did. By law they have to furnish this information to me in 5 days of my request. My request for this information to Nationwide Recovery Systems was over a month and a half ago. They lied to you they lied to the credit bureaus when they re aged my debt. And not a single thing was done by them to remedy the situation. Why is it they are allowed to break Federal Law and not suffer severe fines and audits. This whole complaint process with you was worthless because not a single thing came out of it. How are you protecting me when you simply close the case the moment I took your advice and provided feedback. The feedback I gave you told you they did not comply with their promises, but yet you closed my case. I demand you re open this case and I demand The Federal Trade Commission severely fines them and audits them. I am at the point that I want to file a class action lawsuit against Nationwide Recovery Systems, because if they illegally re aged my debt than who only knows how many others they did this to. First of all they replied to you they were assigned the case in XX/XX/2018. They were not assigned the case they bought this made up debt from another debt collector for approximately XXXX dollars. And they told you they have to contact the creditor with the validation of debt so they can send it to me. That is another lie, when you buy old debt the debt validation comes with the purchase. The initial debt collector would have already furnished them the debt validation from the initial creditor the moment they purchased the bad debt. So by closing this case you are telling me yourself and the Federal Trade Commission it is ok for them to break Federal Law without serious repercussions. RE_OPEN THIS CASE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
1.XX/XX/XXXX-XXXX XXXX phoned my sister and brother in law about trying to be served by XXXX XXXX XXXX XXXX. 

2. XX/XX/XXXX-Phoned XXXX XXXX XXXX XXXX and spoke with XXXX XXXX and he informed me that they are trying to serve me for a debt I never had and he will not give me any documents that show this debt. Instead he sends me a letter stating that I agreed to pay the {$930.00} which is incorrect because I will not be paying for this debt I never had and never received any letters about this. XXXX told me that all letters where sent to an old address that goes back to XX/XX/XXXX. Also Mr. XXXX told me he would talk to XXXX XXXX about talking to my sister and given out my information to her. 

3. XX/XX/XXXX-Left voicemail message for XXXX XXXX letting him know that I have filed a complaint with CFPB and the FTC. That I don't want anymore phone calls 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 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been dealing with Experian, online, correcting misspellings, wrong phone # 's, etc. I have tried several times to get a phone # removed, to no avail. The # is XXXX. I do not even know how this appeared on my credit. Also, my past employer was spelled very wrong, and in trying to get it corrected, they actually removed it. Now I have no employment history. I have been trying to get them to spell my past employer as XXXX XXXX, Lead Teller. Please help me to get my info corrected on my credit report. Thank you!

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 2018-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American express ( along with other credit card companies ) have a policy of updating merchants who post recurring transactions with new consumer credit card numbers as they change ... so that the merchant and consumers do not experience the inconvenience of having to update accounts each time a credit card changes. I get this ... but there is a major downside that I am surprised no one has challenged yet. 

The below may be generalized statements ... but they help paint a picture : The issuers generally do not allow the consumer to opt-in to this program The issuers do not allow the consumer to know who has been provided access to the new credit card number ( no notification ) The issuers make it difficult for consumers to manage who can hit their credit card with recurring transactions. ( you have to call and tell the issuers who to block - assuming you know which merchant has the new information ) There is a huge potential for fraud with this process, and it seems in this day and age, the idea that someone can provide my personal updated credit card information to vendors I want to stop doing business with seems outrageous. At a minimum, i should be allowed to opt in or out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have requested VALIDATION of debt from Santander Consumer USA via  letter. Letter was sent XX/XX/2018. Letter was received by Santander Consumer USA on XX/XX/2018. Tracking is attached. In response to my letter, Santander Consumer USA sent numerous documents but not one of them VALIDATED the debt in question. i have asked for agreements that granted them the ability to report negatively on my credit report and agreements that bear the signature on a binding contract, factual documentation and records. None of these requested documents have been provided. This debt reporting to my credit file is hurting me substantially and has cause me to be denied by several banks. I would like to have this issue resolved by having this derogatory and offensive account removed from my credit file with all 3 credit bureaus ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation