vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
I joined XXXX in the beginning of XX/XX/XXXX. They sent validation request on my behalf to XXXX. I then sent my own validation letter ( 2nd request ) on XX/XX/XXXX via USPS Certified Mail. In the letter I requested definitive proof that the debt they are trying to collect is indeed mine. I have yet to receive the requested validation, instead I have gotten the SAME EXACT response letter 3 times now, saying the debt has been VERIFIED. On XX/XX/XXXX I submitted my first complaint to your office because the mandatory 30 day waiting period lapsed ( Complaint # XXXX ). XXXX then responded that they did in fact validate the debt, which is absolutely false, ( attached are copies of our communications. ) I sent my THIRD request for validation via USPS Certified mail on XX/XX/XXXX. Surprise, surprise! I got the SAME letter again. This debt has NOT been properly validated and I want PROOF that it is mine.

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 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I demanded that the following accounts be removed from my credit report : XXXX XXXX XXXX XXXX  Account # XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  Account # 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 2018-04-18 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: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2017 I noticed charges on my prepaid XXXX card that I didn't make. Immediately I contacted them and was referred to NetSpend. I was instructed to submit a claim to them. My claim for over {$1600.00} was denied within 3 working days. I've contacted them, repeatedly trying to get my money returned to me unsuccessfully. I was instructed to file a police report, which I did. But still have not gotten any money. I'm XXXX and need my money. Help please

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 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I demanded that the following account be removed from my credit report : XXXX  , XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Back in XX/XX/XXXX, I tried opening up a checking account with another back and noticed that XXXX XXXX had information that I owed JP Morgan Chase and undisclosed amount of money. I had tried on several occasions to explain that the signature on the checks deposited to my last account did not belong to me, as well as they should have photos at the ATM to show who deposited and withdrew the money from the ATM at the time of the deposits.I explained that my debit card was misplaced or stolen, but still no favorable results, just copies of deposited checks with a bogus signature. 

As of XX/XX/XXXX, JP Morgan Chase or XXXX XXXX will not removed the information, allowing me to open accounts with other banks. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have been disputing an account with XXXX XXXX for over three months. When I call they say that they have sent information to XXXX to stop reporting. I have found that as of XX/XX/XXXX, the identity theft accounts are still reporting. 

I have also disputed the account with National Credit Systems. They asked that I submit an Identity Theft Affidavit, which I have three times and they send me a notice saying they have not received the affidavit. I even sent it as an attachment to my last XXXX complaint. When I called they said to send the forms that they request, but they would send those forms to me in the mail. When the mail arrived, it was the same FTC affidavit documents that I already submitted. I am to the point of contacting an attorney because they have hurt me so-much-so that I have been denied for credit with XXXX. XXXX has listed both of these companies as the reason for me being denied. 

THESE ARE FRAUDULENT ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I already have a Bank of America credit card and a XXXX XXXX investment account. For the last few months, I kept receiving promotional emails from Bank of America, encouraging me to open a Bank of America checking account by the end of XX/XX/XXXX, and earn a {$300.00} cash bonus. On Friday, XX/XX/XXXX, I went into the Bank of America Financial Center located at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX and talked to a financial solutions advisor named " XXXX XXXX ''. It took a really long time, and she had to get multiple approvals from the branch manager, as well as the account opening supervisor on the phone, however, she was able to finally open a checking and a savings account for me : Checking Account # XXXX Savings Account # XXXX On XX/XX/XXXX, I noticed I could not login to my online banking account. I immediately contacted Bank of America on the phone afterwards, and was told that my deposit accounts ( BofA checking and savings ) were being closed, and the only reason the agent on the phone provided to me was that Bank of America has made the business decision not to do business with me, which does not make sense to me at all, since I am already doing business with Bank of America by having a premium credit card account and a XXXX XXXX investment account. The only reason I decided to apply for these deposit accounts were the targeted cash bonus emails they kept sending to me on a bi-weakly basis. 
Given that I have no negative remarks on any of my credit reports as well as my XXXX XXXX, and my business relationship with Bank of America has been satisfactory so far for both parties, I would appreciate it, if Bank of America could reconsider the decision to close my newly opened accounts, and reopen the aforementioned checking and savings accounts. Thank you for your time and consideration. 
-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 monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Concord Servicing Corporation
State: IL

Complaint narrative:
I demanded that the following account be removed from my credit report : XXXX XXXX XXXX   Account # 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 2018-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have attempted several times with transunion and XXXX XXXX XXXX.XXXX XXXX XXXX, XXXX, ok XXXX. 
act # XXXX- {$1100.00} act # XXXX- {$240.00} i have asked for signed contracts with my signature with this collection agency proving i had a contract with them. Ive requested transunion to show me proof of this info they say they verified. 
I would like both of the above accounts removed from my credit report. 
MY DISPUTER REASON ; NO CONTRACT CONTRACT CANCELLED

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 2018-04-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a complaint with all three credit bureaus. I neither never got a response or they concluded with XXXX XXXX XXXX. They didn't do their job with evidence that was provided. XXXX never sent any certify mail or requested that the loan was due or would be a charge off. Also the maturity date of the loan was in 2016 why didn't they ding the credit then. Also XXXX broke the loan agreement because the documents that I'll provide you doesn't mention anything that if that house becomes a 2nd home the loan wont be renewed if not primary. I have file a separate complaint against XXXX Please review documents attached and other complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was divorced in XX/XX/XXXX. On XX/XX/XXXX, I called BofA and requested they close the joint credit card account that both my ex husband and myself were account holders on. They closed the account and then asked if I wanted to consider opening an account myself. I agreed, they ran my credit and offered me a card, which I received. On XX/XX/XXXX I created an online log in so I could review my most current bill. Since it was a new account, I went into the account profile to review the contact information and saw my ex-husbands email address listed as the Primary contact and my email address under his. It seems BofA kept the original account information and simply transferred it to my new account that he has no part of. I was unable to delete his email address since it was listed as primary. I called XXXX on XX/XX/XXXX at XXXX and spent 12 min and 15 sec on the phone with a female rep. She advised she removed his email address but when I refreshed my page, she had removed my email address and his remained. I advised her and she said she fixed it again. I refreshed and, in fact, my mail address was listed as primary and his was no longer there. Today, XX/XX/XXXX, my ex-husband dropped off our daughter and told me he received an email from BofA with my statement information, including my balance and minimum payment amounts. He has forwarded a copy of this email to me. If he did not notify me of this very serious privacy breach, I would have no idea he was receiving my financial information since the online account does not reflect his contact information.

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 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when I reviewed my credit report and found a a late payment for the following date : XX/XX/2017 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I contacted the said company to dispute account and was sent paperwork to fill out a fraud report. On XX/XX/2015 this account was opened without my knowledge. In the amount of {$3100.00}. I didnt authorize this account. I didnt purchase anything ever from XXXX XXXX XXXX. Ive had only one phone company for 15yrs and that is with XXXX not with XXXX XXXX XXXX or 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 2018-04-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am a customer of Quicken Loans/Rocket Mortgage. I was investigating a HELOC with Quicken, called them, told them I wanted a second mortgage, and they connected me with " XXXX ... .our California specialist ''. I told her I wanted a second mortgage and she asked about my home value in regards to what it was last XXXX when I refinanced with Quicken. She then told me she would need to pull my credit report to really have an idea about my potential. She asked me if that was ok. I was apprehensive because it's a " hard pull '' on my credit ( which does not go away for a couple of years ). I agreed. She called me back and delivered information about what she found and then told me the payment would be {$3200.00}. I responded " oh you mean my first and second payment together? '' Then she dropped the bomb that the monthly payment she quoted would be a refinanced mortgage of what I have now at 4.75 % ( I'm paying 3.99 % now ). So I guess that approach works for some people with Quicken Loans. They think you are desperate and offer you something and if you really need the money, you may relinquish to take a loan with points and more interest. I told XXXX that you never mentioned a refinance and I made it clear I wanted a HELOC. She responded that " all their conversations were on tape ''. Clearly Quicken Loans has scripted this knowing full well they were not going to offer me HELOC since XXXX told me " we don't do those ... we don't to lines of credit ''. This practice needs to be stopped and stop baiting and switching what you are offering.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: United Student Aid (USA) Funds
State: IL

Complaint narrative:
I demanded that the following accounts be removed from my credit report : USA Funds Account # XXXX, USA Funds Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC.
State: AS

Complaint narrative:
My Name is XXXX XXXX XXXX, on XXXX, 2018 I wired {$65000.00} to XXXX XXXX Account number XXXX and routing number is XXXX from my account in XXXX XXXX XXXX account # XXXX not knowing that someone have hack into the email and change the account number. XXXX XXXX of XXXX have file a complain with FBI, I have not file a complain with Suntrust yet. dont know where can I find them. since the account and name does not match they shouldn't accept the money.

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 2018-04-18 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
My identity was stolen and now I have multiple hard inquirys on my credit report that was not authorized. Its affecting my credit big time.

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 2018-04-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a complaint with all three credit bureaus. I neither never got a response or they concluded with XXXX XXXX XXXX. They didn't do their job with evidence that was provided. XXXX never sent any certify mail or requested that the loan was due or would be a charge off. Also the maturity date of the loan was in 2016 why didn't they ding the credit then. Also XXXX broke the loan agreement because the documents that I'll provide you doesn't mention anything that if that house becomes a 2nd home the loan wont be renewed if not primary. I have file a separate complaint against XXXX  Please review documents attached and other complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a complaint with all three credit bureaus. I neither never got a response or they concluded with XXXX XXXX XXXX. They didn't do their job with evidence that was provided. XXXX never sent any certify mail or requested that the loan was due or would be a charge off. Also the maturity date of the loan was in 2016 why didn't they ding the credit then. Also XXXX broke the loan agreement because the documents that I'll provide you doesn't mention anything that if that house becomes a 2nd home the loan wont be renewed if not primary. I have file a separate complaint against XXXX  Please review documents attached and other complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
On XXXX I sent a certified letter to portfolio recovery stating that they send me proof of validation of this debt unless they needed to remove it from my credit report. They sent me back documentation but not validating this debt to me. Ive requested they remove the debt from my credit and they still havent done it. They gave no supporting documentation that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
O and L law firm XXXX XXXX XXXX XXXX XXXX fl XXXX made no attempts to notify me of this debt so I could verify it was mine and dispute it if it isn't or negotiate a settlement if it is. I only found out about the debt because my paycheck was almost XXXX lower than it should have been because my wages have started being garnished. If I have any bad debt it is from more than 10-15 years ago. 

It is not right that a company can garnish my wages before I have been given any chance to dispute or settle the debt, so right now my wahes are garnished for a debt that may not even be mine. I have attempted to reach them by phone and only get voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This must be a mistake. I am not sure how this happened. I believed that I had made my payment to you when I received my statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19 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: CORELOGIC INC
State: AZ

Complaint narrative:
My identity was stolen and now I have multiple hard inquirys on my credit report that was not authorized. Its affecting my credit big time.

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 2018-04-19 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
My identity was stolen and now I have multiple hard inquirys on my credit report that was not authorized. Its affecting my credit big time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
My indentity was stolen and now I have hard inquiries on my credit report that werent authorized.

Company response to consumer: Closed with explanation