vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-14 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: TN

Complaint narrative:
My wage earner protection rights were violated. I was under wage earner when my second mortgage was refinanced. The loan was with XXXX XXXX XXXX. The new loan was with XXXX XXXX XXXX. XXXX made regular payments to XXXX XXXX without my knowledge or consent. I opened an account with XXXX XXXX in XXXX after I received a settlement from a XXXX XXXX law sue I filed in XXXX. The case number are XXXX & XXXX. I was discharged in the first case XX/XX/XXXX, XXXX on the second one. The case number for the law sue is XXXX. Attorney XXXX XXXX filed the law sue as workman 's compensation without my knowledge. The FBI brought this to my attention. I learned I was under investigation in late XXXX. I was laid off on XX/XX/XXXX, my former continued to pay the courts from my payroll. My employer EIN # is XXXX. I paid the courts {$18000.00} on XX/XX/XXXX to pay all of my creditors off. My employer never stopped paying the courts and they knew I was laid off. The payments was {$140.00} a week from XX/XX/XXXX-XX/XX/XXXX. Someone have abused/is abusing my identity. The person/persons had health care insurance with my personal information. XXXX XXXX XXXX. It 's a group. My drivers license number is XXXX-social security # XXXX. All my former employers have been changed with all Of The credit agencies. My drivers license was copied without my knowledge & my social security card. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. When I learned I was a victim of identity theft. I went to probate court and changed my name to my maiden name. XXXX XXXX XXXX Federal Identification number is ( XXXX ). XXXX-mortgage interest statements was reported to IRS using my personal information. Fraudulent transitions was being reported to IRS. Interest was added to the C/D 's I opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX Federal Identification number is XXXX. I was told by the FBI to pull all of my tax transcripts. I went back to XXXX. XXXX XXXX Federal Identification number is XXXX. It was used to report fraudulent interest on the C/D 's I opened the account with. ( XXXX ) & ( XXXX ). This information was reported to IRS, yet I never received statements. My mail was being stolen, a series of people had p o boxes in my name through XXXX XXXX. From the time I opened that account it was being abused. XXXX XXXX really needs to be investigated, with her mother. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX she is a former postal employee. XXXX XXXX XXXX, XXXX XXXX. I wrote checks for my tithes, money was being stolen.

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 2017-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I served as a guarantor on an apartment lease at XXXX XXXX XXXX in XXXX XXXX, Louisiana. The lease terminated on XX/XX/XXXX. At the conclusion of the lease I personally visited with apartment management to confirm the account was paid in full. This was confirmed by XXXX XXXX XXXX, Assistant Property Manager, prior to move out in XX/XX/XXXX. We never received any further communication from XXXX XXXX or any representatives of XXXX XXXX after that date. <P/>Today, XX/XX/XXXX I received notice from a credit bureau ( XXXX ) that National Credit Systems had flagged an account belonging to me as unpaid in the amount of {$4000.00}. I have never received any communication from National Credit Systems. I contacted them by phone today and they indicated the unpaid account related to the lease agreement at XXXX XXXX XXXX. They further indicated they had turned the account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provided contact information. <P/>I contacted the XXXX firm and spoke with a XXXX XXXX ( spelling? ) who advised me that : 1 )  XXXX XXXX XXXX turned the account over to National Credit Systems in XXXX, XXXX - 9 months after we terminated our lease and were advised no further funds were due ; 2 ) the balance of {$4000.00} was due to a check being returned for insufficient funds ; 3 ) I could " settle the matter '' for 60 % of the debt ; and, importantly 4 ) neither they, nor National Credit Systems, nor XXXX XXXX XXXX are under any obligation to provide me with any information proving my debt. During her repeated attempts to encourage me to " settle '', she indicated that would be the most effective path to remove derogatory remarks from my credit reports, and, absent such a settlement, those derogatory remarks could remain on my reports indefinitely. <P/>I have confirmed that I paid all obligations under the term of the lease as required, and that there was never a check returned for insufficient funds. I have no debt to XXXX XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Not updating bank info

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been working with  SPS fo r a loan modification. They placed a sale date on my account while in review which i thought was a violation of the  Homeonwer Bill of  Rights. Anyway, what they did is request a Verification  of Employment f or  XXXX   (  my husband  )  o n  XX/XX/XXXX    , 28 days prior to the sale date. He requested it the very same day but unfortunately because we work for the school district and it is summer time, no one is readily available to supply such a document immediately. They requested that we contact the  School Board  if it was an emergency in which we did but they advised it would take 7 days. We advised  SPS  of this but they were not willing to work with us. we are now going to lose our home for something we can not control. We have provided them with every single piece of information that they have asked us of to this day. Now they said unforunatley there is nothing they can do after begging that they allow us more time. By the way we did receive the  VOE and w e supplied it the day we received it but now they are telling us it is too late. I just cant believe this. Please help us save our home!!!! I beg!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I pulled my credit report on   XX/XX/XXXX     and noticed that  CMRE Finance  had reported to the  Credit Companys an account for {$120.00}. According to the Credit report  XXXX , it had been opene d on   XX/XX/XXXX    . I have not received any information in regard to this debt at all. No information was received by them until I mailed them dated  XX/XX/XXXX    .  <P/> I immediately certified a letter to CMRE dated   XX/XX/XXXX     requesting proof that the aforementioned account was mine. I also asked for detailed proof that I agreed to pay the account, a detailed explanation for what the account was for or services rendered, and to provide the Creditor and current contact information for the debt you say I owe.  <P/> On   XX/XX/XXXX  , I received a letter dated  XX/XX/XXXX   from  CRME Finance  that included  4  pages ( see attached ) that shows  4  different accounts that do n't even add up to what they reported to the credit companie s. Two of the accounts look to even be duplicates. I did not receive any proof that they were mine and that I had agree d to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have numerous Hard Inquiries on my report, I have sent each company a letter stating that I wanted proof that the inquire was made by me with my signed signature, as of today I have only received a hand full of responses and non of them had a signature page with my signature on it. I would like for the inquires to be removed as I did not request anyone to pull my credit report.

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 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have numerous Hard Inquiries on my report, I have sent each company a letter stating that I wanted proof that the inquire was made by me with my signed signature, as of today I have only received a hand full of responses and non of them had a signature page with my signature on it. I would like for the inquires to be removed as I did not request anyone to pull my credit report.

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 2017-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent in several certified letters to all   XXXX   credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all   XXXX    bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all  XXXX  credit bureaus.

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 2017-07-14 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: FL

Complaint narrative:
I sent in several certified letters to all  XXXX  credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all   XXXX    bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all  XXXX  credit bureaus.

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 2017-07-14 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: GA

Complaint narrative:
I 've called and started investigations on numerous occasions to have inaccurate inquiries on my report removed.  Company  still has n't removed inaccurate inquiries from my file.

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 2017-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
On   XX/XX/XXXX ,  I applied for a USAA  Limitless Cashback Rewards Visa Signature  credit card. The application was declined, with the following reason provided :  Maximum  credit extended. I inquired to USAA if I could be approved for the card by reallocating a portion of the credit limit on an existing USAA credit card to the new one. USAA responded that it would be possible to lower the credit limit on the existing card and reapply for the new card. I agreed to have the credit limit on my existing card lowered by {$6000.00} on the condition that the application for the new card be reconsidered, so that a second hard inquiry on my credit report would not result. USAA proceeded to lower the credit limit on my existing card by {$6000.00}, but informed me that a new application would be required for the new cardwhich would result in a second hard inquiry to my credit report. I would have expected that USAA would have confirmed if a new application was required before taking the action to lower the credit limit on my existing card, and was surprised by the poor interpretation and communication about the original request. When I informed USAA that I did not want to proceed with a new application on the basis of it causing a second hard inquiry, USAA refused to reinstate the {$6000.00} credit limit on my existing card.  <P/> While I appreciate that USAA took the time to consider a rather unusual request to reallocate a portion of my existing credit limit, I made it very clear that I did not want to incur a second hard inquiry on my credit report while attempting to be approved for the new card. As Im sure USAA is aware, a hard inquiry negatively affects ones  credit score.  I did not want this exchange to leave me  with two h ard inquiries on my credit re port ( one was a lready pulled with the initial application ). Furthermore, since the basis for the decision of the initial application appears to have been made based on a USAA policy ( maximum credit extended ) rather than my creditworthiness, I see no reason for USAA to have required a second hard inquiry to reconsider the application after the reduction of the credit limit of my existing card.

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 2017-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
Received a call about owing {$10000.00} for a debt from  XXXX . They said it was some  XXXX  account with no details and reactivated in  XXXX  and a letter was mailed in  XXXX . The caller said that if I do n't pay him in  10  minutes then he would take me to court and sue me. I attempted to question where the debt came from and for what but he just insisted that he will just levy my accounts. He threatened me by saying I have you SSN, I know what bank accounts you have and I can see everything.   I researched online the company and it appears to be a scam company who constantly changes its name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX       XXXX   XXXX   Once again a major mess with   XXXX   and  one  takes days to get through to them then transferred around the horn. Tried to get temp access to code so bank can pull credit. Could not get through again  WAIT AGAIN! WAITING.  AGAIN!!!!   1-  XXXX  UPDATED  XXXX   XXXX   XXXX  INCORRECT REPORTING ME LATE- BACK TO GROUND ZERO.   XXXX   WAS TO UPDATE ALL OTHER AGENCIES- I GUESS THEY FAILED AGAIN. 2- WANTED A TEMP NUMBER SO A BANK COULD PULL CREDIT.  3 - NEGATIVE CREDIT POSTED IMMEDIATELY- AMAZING- GETTING NEGATIVES CORRECTED  60-90  DAYS --  4-  BEING DENIED CREDIT SINCE XX/XX/XXXX    READY TO SUE ALL!

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 2017-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I got another phone call today from " Portfolio Recovery, '' however, I have already asked them to cease and desist communication due to failure to validate the account as requested. I sent the last request on   XX/XX/XXXX    , attached hereto, to which I have still not received any written correspondence to validate this. I am however receiving phone calls still, after asking them to cease and desist communication due to their failure to comply with FDCPA regulations in providing validation for the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14 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: GA

Complaint narrative:
I 've called and started investigations on numerous occasions to have inaccurate inquiries on my report removed.  Company  still has n't removed inaccurate inquiries from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a credit card processing deposit money in my checking account and the bank refuse to release the money to me. They have given m e 5  different reasons as to why they are not releasing the money. I have gone to the bank on  3 d ifferent occasions and each time they tell me they require something different. The last requirement was they told me I needed a  XXXX  because I deposited a business check from my husband 's business. I brought the  XXXX  now they are telling me in order to get my money back I have to open a business account. They have been holding my money since XX/XX/XXXX refusing to return it to me. I expressed my concern that they are tying up my money and requested they return it to the processing company or give it to me THEY REFUSE. They are telling me when a  Branch  manager gets back from vacation he might be able to release it. They have caused me stress and are costing me money. They had no problem processing anything for 8 months. The problems started when I reported them to you for excessive fees. I feel they are looking for any and every excuse to tie up my money in retaliation for reporting them. They have a fraud department that you cant speak to anyone then they change the rules eve ry 5 mi nutes. If they suspect fraud on the deposits then just return them but they claim they cant

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14 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: AES/PHEAA
State: FL

Complaint narrative:
I sent in several certified letters to all three credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all three bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all three credit bureaus. My name is associated with several XXXX XXXX living today and I noticed that I have several social security numbers that are incorrect, addresses, accounts, inaccurate errored student loans which are n't mine, other accounts that are n't mine as well. The creditors along with the Credit Bureaus have cost so much problems for me because their inputting errors on my credit file which is making my life a living XXXX.

Company response to consumer: Closed with explanation