vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I mailed a letter requesting validation of a debt that is listed on my credit report by XXXX XXXX, XXXX ( attached ). The letter was sent by certified mail and the return receipt indicates that it was accepted for delivery on XXXX XXXX XXXX XXXX attached ). I specifically requested they cease and desist from contacting anyone except for me, and to only contact me in writing at my current address included in the letter. On XXXX XXXX XXXX, Blitt and Gaines, P.C., Attorneys at Law mailed a collection letter to an address that I have not resided at in several years. In the collection letter ( attached ), Blitt and Gaines claim to have retained XXXX XXXX to collect the account for which I requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion is reporting a paid tax lien beyond than the FCRA Sec.1681c, statue of limitation of seven years. The tax lien was fully paid in XXXX XXXX. The Fair Credit Reporting Act Sec. 1681c. Reporting of obsolete information prohibited ( 3 ) Paid tax liens  which, from date of payment, antedate the report by more than seven years. Transunion is the only CRA reporting this negative item in violation of FCRA Sec.1681c ( 3 ).

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 2017-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
on XX/XX/XXXX my husband XXXX XXXX received a phone call from XXXX XXXX ( XXXX or XXXX ) representing National Credit Systems Inc she called from an auto dialer with a XXXX area code. We rented an apartment XX/XX/XXXX through XX/XX/XXXX at XXXX XXXX XXXX in XXXX and gave them notice to vacate as we had a new home under construction that was finished in XXXX and our lease was scheduled to end XX/XX/XXXXXXXX we had a balance left over from XXXX rent and I tried to negotiate payments with the in house billing office for XXXX XXXX but they would not accept our terms. I wanted to make a {$50.00} a month payment because at that time that is all we could afford. Those collection efforts started in XXXX we could not reach a resolution so they forwarded our account to collections and we were not aware of this and the collection agency did not communicate with us in writing they called on XX/XX/XXXXdemanding us to make a payment and that if we did not pay full amount or high deposit to start payment arrangement that they would report the account to our credit. feeling pressured I offered to pay {$100.00} we I spoke to XXXX XXXX on XXXX XXXX and then told her would could possibly make another {$100.00} by XXXX XXXX. She said we needed to pay at least {$400.00} to get on a payment plan that would protect this account from reporting to our credit. I called again on XXXX XXXX to let XXXX XXXX know after reviewing our budget we could not afford to pay {$200.00} this month to this account and then she said that she could not protect this account from reporting to our credit and I told her well this is all we can afford right now as my husband was laid off in XXXX. I then went to the NCDOI website to get their license # and I found that National Credit systems incXXXX is not licensed to collect in the state of NC. which is illegal and now I need to go to my bank and have my checking account numbers because I am not paying this credit agency a dime. They are supposed to allow consumers 30 days to respond to their collection efforts and they were not even giving us the opportunity they went straight to threats of credit reporting. I believe her name is XXXX XXXX the collector in charge of my account so if you call speak to an operator who will direct you straight to her line. Unfortunately I am unable to find a physical address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: WA

Complaint narrative:
Had a personal line of credit since XX/XX/XXXXwith US Bank. Employment, medical problems circa XXXX. Unable to clear the line of credit, and eventually retired. The line of credit was charged off as uncollectible by US Bank. The bank keeps showing the account in a current late pay status even though it is classified as a charged off account. Attempted to get a loan, but there were questions about the late pay status of the account.

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 2017-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX in XXXX XXXX, TX. failed to render aid in a housing crisis of backup sewage and water leaking all over the floors. I gave notice of needing help, and they told me to leave my rental keys in the mailbox and leave. They sent me a bill when I asked for my deposit in return after getting my children to a safe new location, they stated I owed over XXXX in fees for cleaning and damages, when in fact I do not, and the only damage was their water and sewer leaks. Today XX/XX/XXXX I  received a letter from a collection agency XXXX XXXX XXXX XXXXstating I owe this money when in fact we argued with XXXX XXXX XXXX in XXXX XXXX TX. per email and no response was ever given after contact XX/XX/XXXX, I do not owe this money and my deposit was never returned to me, the landlord has failed to reply and underhand turned over no legitimate debt illegally to a collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Dear Representative, First of all the statement that Citi sends does not show amount remaining on any balance transfer offers which in my opinion is deceiving. Anyway Citi sent me a statement for the billing period XX/XX/XXXX - XX/XX/XXXX with a balance of {$1500.00} owed ( statement evidence enclosed ). This is the total outstanding on my part including my balance transfer offer XXXX, then I make a payment of {$100.00} onXX/XX/XXXX and another payment of {$1500.00} on XX/XX/XXXX totaling to {$1600.00} ( statement evidence enclosed ). Essentially the last statement outstanding balance was fully paid i.e. including the balance transfer. So now after two months what happened is that in the latest statement ending XX/XX/XXXX I noticed interest was charged to my balance transfer offer XXXX. On inquiring I was told that I still owe {$270.00} under balance transfer XXXX. I dont understand how is there an outstanding balance now?? This is just very deceptive because Citi sends me a statement showing {$1500.00} I owe and I pay {$1600.00} against it and now after 2 months my balance transfer offer XXXX still shows that I owe. This is totally ridiculous!! I have been going back and forth with them without any solution. I need your help in getting this sorted out please! Best Regards, 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 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
A credit card I had with USAA Savings Bank was charged off in XX/XX/XXXX while I was serving as an XXXX XXXX in XXXX. USAA issued a " Cancellation of Debt '' XXXX to the IRS and myself on XXXX where I have already paid income taxes on the amount charged off. USAA however is still reporting to all the credit reporting agencies the same debt with an outstanding and Past Due balance for the same amount charged off in XXXX. I am in the final stages of getting a VA mortgage approval but USAA is unwilling to show the account with a XXXX Balance and noted they still intend to report the account as unpaid which is preventing me from a VA Loan approval. Several calls have been made to get this resolved but USAA is not willing to correct the information reporting to the credit Bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have asked Capitol One three times to remove my number from their call list ... because I did not owe them any money ... they are calling for someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
One echeck transaction that did not show on my 5/3rd bank checking account XXXX XXXX by XXXX EST suddenly appeared at XXXX the same morning as two echeck transactions that were posted on Friday XXXX XXXX. The two transactions were paid inmediately by funds that were deposited by my employer direct deposit and during non business hours. 5/3rd bank charged my checking account with two NSF fees of {$37.00} dollars each days after, they claim they could not refund the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have a debt on my credit report from National credit systems for {$100.00}. I called onXX/XX/XXXX @ XXXX to negotiate a settlement on the account. The initial lady I spoke with said she would transfer to a rep. The lady by the name of XXXX was very rude. She violated my right under the FDCPA because she did n't read the XXXX to let me know she was attempting to collect a debt. I asked to speak to a supervisor and she told me that she was the supervisor and she was not going to transfer me to anyone else. I was trying to ask additional questions about my account and she hung up in my face while I was still speaking. I was not able to get my account resolved and my rights was violated! I called and left a message on her manager ( XXXX XXXX ) voice mail and I have n't heard anything back from him.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Preston Clark & Quinn
State: CA

Complaint narrative:
I was contacted by Preston Clark & Quinn ( PCQ Associates ) in XX/XX/XXXX regarding a debt for a charged off credit card from the XXXX XXXX. I established a payment plan with them to resolve the debt, and made 2 payments onXX/XX/XXXX ( from two separate accounts ) to settle the debt in full. The company never sent me a paid in full letter per the verbal agreement, and has been unresponsive to phone calls, voice messages, and email requests for the debt settlement letter or contact information. The original creditor recently started to withdraw money from my military pay in XX/XX/XXXX, which is how I discovered that PCQ Associates defrauded me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I applied for a loan through XXXX, my score showed XXXX and I called Equifax I was told it was the car company 's fault. In XX/XX/XXXX, I applied for a personal loan, and was told again that the issue was with the loan company. In XX/XX/XXXX, I am trying to purchase a home. Last month, in the beginning of XXXX, I called Equifax again to report that the mortgage companies could not pull up my information. I was told it was the mortgage companies ' fault. I explained that I had asked for help from four different mortgage companies. I asked to speak to a supervisor. I was told that the wrong name and address were on my credit report. I was told that I needed to get my SScard and Drivers license and send them over. I had to order a copy of my ss card, so I could not send the information just then. I called XX/XX/XXXX, after I was able to get the card. I was going to send the information over, but I was told that I just needed to change my middle initial. I received a letter a couple of days ago stating the issue was resolved. I asked the mortgage company to pull the information, it did n't work. I called for help from Equifax. I was told I needed to fax the information ( ss card and drivers license ) to XXXX. Today, I called to confirm that the information was received and I was told that I need to fax the information to XXXX. I have been hold for a bout nearly an hour now, waiting on a supervisor or someone that can help me. I just want to buy a home. Can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: KY

Complaint narrative:
Basically I got an email saying I have n't made a payment to bigpictureloans and I called my bank afterwards and they said XXXX dollars was taken out. So I called the loan company and told them what happend and they told me they had the payment on every Tuesday which was wrong and it was every Thursday since I work at XXXX and That was two weeks ago. Today I got another email saying the sage thing so I decided to make a complaint to declare fraud and violation of loan agreement on their side

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
I have been shopping for a refi on mortgage and found out that I had a collection on my credit report of XXXX. It indicates GC Services ( XXXX XXXX ) as the collection agency. I called XXXX on XXXX XXXX XXXX, paid the balances owed. I informed XXXX that it states GC Services on my credit report and I need that to be deleted. I informed XXXX that I have never been contacted by GC Services by phone nor mail. I did not know who this company was. XXXX stated that it would take 48 hours to delete the account from my credit report. I waited and nothing happened. I since sent a validation letter to GC Services asking for validation. I also made them aware that no one from their company had ever discussed or contacted me about their collection and I would like this to be removed from my credit report. It has created negative reporting and has / is affecting my score tremendously. On XXXX XXXX, I called GC Services and was told this was an attempt to collect a debt and it will not be removed from my credit report because they do not delete anything from your credit report. I believe that that my rights have been violated, as I never had any type of agreement with GC Services not written, verbal etc..GC Services should not be allowed to report any information on me. We have never had any type of contract between us. Also XXXX falsified information to me as they informed me that the credit report would be corrected with 48 hours of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Account Control Technology, Inc.
State: MO

Complaint narrative:
I supposedly went to XXXX XXXX XX/XX/XXXX/2006 and now I have XXXX who apparently is the new XXXX XXXX saying I owe over $ 3k. 1, this is over 11 years ago and 2 I did n't actual attend. I signed up but never attended. I have bot heard anything from this school. Now account control with XXXX XXXX and XXXX are threatening to garnish my wages. They are extremely rude and wo n't listen. I have requested information that they keep passing off to other companies. I am being harassed. I have called the attorney general and am complaining there as well. I have written them back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
1. I have been trying to apply for a credit card XXXX XXXX XXXX, At the moment I applied for the first time they told me that the credit report companies are sending a credit report with my name and a SSN however this SSN that appears in the report is the number of my old passport. At the moment that I try to contact the credit report companies they are not able to pull up my credit report because I dont have a SSN. I have lived in three different adresses and need to know what adress to give for them to be able to check my score which is of XXXX. Can you please help me to solve this. The dates I applied for the card was XX/XX/XXXX in  which I applied ONLINE and I messed up and wrote my passport number in the SSN box. In XX/XX/XXXX I was told to reapply and since my adress was  attached to the old application, it appears as If I applied with the same social security but this time XX/XX/XXXX, I applied thru the phone and clearly states that I do not have a social security number. Please help me.

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 2017-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I made a purchase that required me to use a licensed dealer in my home state. The dealer charged a {$25.00} fee to facilitate the transaction and I used my 5/3 credit card to pay the fee. When I received my credit card statement they showed a cash advance, which never occurred. I contacted the dealer and they assured me that their credit machine was not set up to do cash advances and taht it was run as a credit transaction. I called the credit card company and was told that it was run as a cash advance and that the extra fees and higher interest rate would not be waved. I explained that I had never done a cash advance and that the dealer stated it was run as a regular credit transaction. They insisted that I owed the fee. I spoke to a customer service representative, their manager, the disputes department, and received the same line from each that it was run this way and I had to pay even though I was never a part of a cash advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingUSA
State: FL

Complaint narrative:
Incorrect and misleading information provided to your organization- I was refused and they stated XXXX was the provider of the credit information who could not establish my identity! You have multiple filed reports one for XXXX and the others on the other three credit bureaus. Their reply- " LendingUSA has reviewed XXXX XXXX XXXX compliant and has concluded its investigation. Please see below for findings. 1 ) LendingUSA 's decisioning software was unable to pull XXXX XXXX 's credit based on there being a security freeze that XXXX XXXX placed ( see attachment XXXX- CR Redacted ). XXXX XXXX would need to remove the freeze in order for LendingUSA to have permission to access his credit report and make a credit decision. 2 ) LendingUSA has not retained nor is associated with XXXX XXXX. 3 ) Currently, LendingUSA only utilizes the services of XXXX  when pulling credit reports for credit decision purposes. '' I subsequently received a loan even with the security freeze on. By opinion they claim they provide " bad credit loans '' In my opinion a easy way to get rid of me. I call it misrepresentation!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I mailed a letter requesting validation of a debt that is listed on my credit report by Midland Funding, LLC ( attached ). The letter was sent by certified mail and the return receipt indicates that it was accepted for delivery on XX/XX/XXXX ( attached ). I specifically requested they cease and desist from contacting anyone except for me, and to only contact me in writing at my current address included in the letter. On XX/XX/XXXX, XXXX XXXX XXXX, XXXX, Attorneys at Law mailed a collection letter to an address that I have not resided at in several years. In the collection letter ( attached ), XXXX XXXX XXXX claim to have retained Midland Funding to collect the account for which I requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MD

Complaint narrative:
In reading my XX/XX/XXXX credit report, I saw that Enhanced Recovery Corp has filed a collection report with XXXX, claiming I owe {$47.00} for a Cable or Cellular creditor. Enhanced Recovery Corp has never contacted me, nor have they sent a written validation notice of this alleged debt. I have no knowledge of this collection. I disputed this collection with XXXX onXX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation