vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I sent Bank of America the attached letter revoking consent to be contacted by telephone, recorded, or called using pre-recorded automated dialing systems ... which they completely ignored. I have received at least 5 telephone calls from Bank of America starting around XX/XX/2019 multiple times per day, using automated pre-recorded messages, and recording me. Furthermore, I have told them I am represented by an attorney and they ignore this completely. I want this harassment to stop and I want Bank of America to contact my attorney XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX No lawsuits have been filed YET.

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 2019-11-04 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: Carvana Group, LLC
State: CO

Complaint narrative:
Been fixing my credit, had a computer problem ended up with a virus, everything got compromised and crashed in late XXXX and mid XXXX. I applied for 1 credit card and it got approved. since then waiting on some stuff to get taken off credit report i noticed some hard inquiries that i didn't make. 

XXXX XXXX - Inquiry from XX/XX/2019 XXXX XXXX - Inquiry from XX/XX/2019 XXXX XXXX - Inquiry from XX/XX/2019 XXXX - Inquiry from XX/XX/2019 XXXX - Inquiry from XX/XX/2019 I need these removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES
State: MI

Complaint narrative:
Great Lakes Loan Servicing contacted me to notify me that I needed to re-certify my income-driven repayment certification. I completed the application and provided them with the information they requested, including information showing my current pay and my wife 's current pay. I explained that my income had not changed from last year. They ignored this evidence and then denied my request for IDR without explanation. I appealed the denial, again submitting the same information. They put me to the back of the line and, in the meantime, increased my payments to over {$1800.00} a month. When they finally did process my request, they asked me to fill out a form that I filled out when I first submitted my request. I explained this to them, and they moved me to the back of the line again. Because, they claim, I did not complete my IDR application on time, they capitalized my interest, adding to my balance. 

This is a predatory tactic that they have now used on two occasions. The CFPB has to do something about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: NC

Complaint narrative:
Transunion displays innacurrate employer ( XXXX XXXX ) on credit report again after saying they fixed it.

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 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I was not aware of a XXXX XXXX debt until i saw it on my credit, i tried calling to get a copy of an original application with my signature proving this was my bill.but i was told to call there 3rd party Jefferson Capital.i did not understand since its a XXXX  acct..i have never been able to get proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/2019, Loan Care cashed my mortgage payment check. This was posted to my bank account on XX/XX/2019. 
On XX/XX/2019, Loan cashed my mortgage payment check. This was posted to my bank account on XX/XX/2019. 

Loan Care lied that they had not received any payments for 2 months so they charged me late fees and reported 2 months delinquency no payments to credit bureaus. 
On XX/XX/2019, I sent Loan Care a letter to let them know that 2 payment checks had been processed by Loan Care. Those 2 payments were still within the grace period ( which was between the XXXX to the XXXX of each month ). I requested that Loan Care credit all the late fees and correct the negative reports that they already reported to those two credit bureaus or else I would like to hear from loan care within 30 days before I file a compliant against Loan Care. However, I have not heard any responses from Loan Care. 

I truly need your help to investigate this matter because Loan care did not honor their 15 days grace period, lied, and charged late fees to borrower. As a result, this negatively impacted my credit score. Thank you in advance for your time  and attention.

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 2019-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I never received any documents or email to validate this debt.I just started receiving phone calls saying i will have a warrent for my arrest and they were sueing me and one of my references who was not even part of the loan.just a reference..they kept calling the reference disclosing information and threatening them after my phone number was changed.i tried to explaine the reference did not have anything to do with it they just hang up on me, then call back the next day in the same manner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: FL

Complaint narrative:
incorrect info on report. id theft victim. 
chapter XXXX bankruptcy court XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
I dont remember rhe dates.but this was maybe XXXX or XXXXi moved out of my apartment. I called this company and explaine i was moving and when.i requested the electric be turned off and it was not done.some one else moved in and used the service and when they realized that then it was shut off. i tried to get thia resolved and was told they would look into it and nevwr did.then next thing i knew it was on my credit

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 2019-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
double withdrawal of XXXX producing XXXX and excuse discussions by different represenatives as to the whereabouts of the deposit initially into TD Simple Savings. 

The request I made for an indemnification letter was being loomed around by he reps, they seemed to act as if it was not such thing. 

TD Simple Savings account XXXX routing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
accounts showing past due when they are current dept of Ed/XXXX no late pay Dept of ed/XXXX no late pay these accounts are in deferment and should not be showing 30/60/90 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I paid a man I met on XXXX the total of XXXX USD for two tickets to a XXXX XXXX XXXX concert. I was promised his log in information because tickets are nontransferable. His name on XXXX is XXXX XXXX. I contacted him for one ticket. I made a payment of XXXX through PayPal but due to fees became XXXX USD connected to the email XXXX on XX/XX/2019. He then informed me because he would be giving me his log in information I would have access to all his tickets through XXXX  but because he had two tickets I needed to also buy the second. I was hesitant but he insisted he was not a scammer and told me he would only charge me XXXXUSD this time. A second payment was made on XX/XX/2019 this time of the amount of XXXX USD. XXXXUSD was paid because of PayPal fees. XXXX XXXX sent me the Paypal of XXXX XXXX to send money to. When asked about this he claimed it was the Paypal of his room mate. After doing the first transaction of XXXX USD he told me to use the email XXXX for the second transaction claiming this one as his personal email but I did not do so instead I sent the money to XXXX XXXX XXXX paypal through the email XXXX like I had done the first time. XXXX XXXX kept in contact with me the later that day and said he could not contact his roommate to confirm I had made the payment so he could not give me his log in. I called him through XXXX and texted him many times after this to no avail. I am now blocked on messenger and his account is gone. He had also given me this number XXXX and texted me from this number assuring me he would not scam me. I lost a total of XXXXUSD XXXX was lost to the scammer XXXX while the rest was given to Paypal for fees

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
accounts showing past due when they are current dept of Ed/XXXX no late pay Dept of ed/XXXX no late pay these accounts are in deferment and should not be showing 30/60/90 days past due

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 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I contacted Portfolio Recovery on XX/XX/XXXX about the account listed on my credit report. I told them that I had no knowledge of the account and it was not mine. the first agent told me that the account was opened in XX/XX/XXXX and was charged off for {$200.00}. I told the agent that I would like to dispute it because I never applied for a credit card in the year of XXXX. On XX/XX/XXXX I contacted the company again about the resolving this issue. they told me that the account is under dispute I must pay the set amount with of XXXX. And the agent also informed me that the account was open in XX/XX/XXXX and the amount owed is XXXX. I informed them that it was not my debt and I am not responsible for the account and to please remove from all 3 credit agency 's. Since the information was incorrectly please have the information removed from all three credit agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 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: DISCOVER BANK
State: CA

Complaint narrative:
THERE IS ACCOUNTS OPENED IN MY NAME THAT I HAVE NOT AUTHORIZED. I AM A VICTIM OF IDENTITY THEFT. DISCOVER FIN SVCS LLC WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX. XXXX XXXX WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX. DISCOVERBANK WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
For the past couple of months, I have been getting phone calls from XXXX XXXX about a credit card from HSBC Card Services that it says I owe money for. They had an old  address of mine from 13 years ago, and said they have been trying to contact me, and that they were going to have me served with legal paperwork at work. 

On the first call, I asked them for more information on the debt, they said it was an old credit card, and that it was charged off in XX/XX/XXXX. I explained that I had no idea what card that is, as I have not lived at the address they say the card was opened at for 13 years. I asked if they could send me some paperwork so I could verify the debt, and provided them with my current address. The paperwork never arrived. A few weeks later, they called my job, and the call ended with the same promise - they would send me documents to view, and if it was not mine, all I had to do was fill out the form stating it wasn't, and send it back. Again, nothing arrived. 

On XX/XX/XXXX, they called my uncle, and stated they need me to contact them. I called them back, but they did not pick up. On XX/XX/XXXX, they called me again, and I again stated that I did not know which card they were calling on. I told them the only card I've ever had from HSBC I closed in XX/XX/XXXX. I asked if they could provide any information, as I was concerned someone opened a card in my name without my knowledge. They refused to provide me with the last date of payment, the date the debt was defaulted on, date it was opened, or anything other than the name of the original owner of the debt, and they could not. I told them if they could provide me with proof it was my debt, and that it was not beyond the statute of limitations, I would work something out. 

After this, the representative started to yell at me, accused me of being a liar, trying to steal money, etc. When I said I simply wanted proof it was my debt, she said I would get that proof in the form of a lawsuit. Again, I said I merely am asking you provide me with enough information to validate its my debt, and not beyond the statute of limitations. Again, I was told I would be sued, but not only that, but that they would ruin my credit and post it to my credit profile in 2 weeks. She then hung up on me. 

I panicked, and called back, many times, asking them to put me in touch with a manger, or someone who can help. Asked every time, not to be put in touch with the rep in charge of my account because she kept calling me names and threatening me, and that I need someone to work with me. No luck. When I ask for their address, they refused to provide it, and disconnect the call. 

They use robo calls that leave threatening messages. The rep in charge of my account is XXXX XXXX, and the number they have on file is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Sometimes in XXXX of 2017 I spoke with a Home Depot Sales Person about a window. He brought a sample of the window to my house to show me. I agreed to order it with a down payment. He tried to order the window 3 times, but it was the wrong size window every time they tried to install them. Finally, I changed my mind and told him to cancel my order. XXXX was okay with it and told me that a credit would be issued. When I received my 1st statement with that charge on it ( {$1700.00} ), I immediately disputed the charge. They sent me a copy of job completion with the salesman 's signature on it as " Homeowner ''. I never signed anything regarding that window. I even sent a copy of the credit invoice given to me by the sales person with my dispute to prove they are wrong. They still did not believe me. If you look at the job number on the credit invoice, it matches the same job # as the original invoice they sent back as a result of my dispute ( Job # XXXX ). Since then, they have reported this issue to all 3 credit companies.

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 2019-11-04 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
THERE IS ACCOUNTS OPENED IN MY NAME THAT I HAVE NOT AUTHORIZED. I AM A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX XXXX WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XX/XX/XXXX IN THE AMOUNT OF XXXX. COMENITYBANK/XXXX XXXX   WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XX/XX/XXXX IN THE AMOUNT OF XXXX. XXXX WAS OPENED IN MY NAME WITHOUT MY AUTHORIZATION IN XXXX, XXXX IN THE AMOUNT OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
Hello, My Card is used unauthorized on some Western Union Transfer To some XXXX XXXX in TX. Please Return the transfer and block my card misuse online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX bank of America closed my 2 personal credit cards and one business credit card without further notice, after I contact them they told me its because your personal account and they schedule to close my checking and saving account for the personal and business account in 21 days. My fico score is XXXX and I have very good credit with other banks like XXXX. 
The closing of my credit cards without allowing me to transfer it to another institution will make me loose my credit history and this will effect my business and my personal life.

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 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On Or Around XX/XX/2019 I Filed A Dispute for the following XXXX Purchases Screenshots will be provided. And Or About XX/XX/2019 I Received the following documents from my Bank PNC NA Stating the Transaction Is Valid Under state and federal Laws if a merchant does not meet a agreement or criteria such as honoring a promised refund It Does Constitute a valid Transaction i was promised a Refund from two XXXX Employees XXXX  and XXXX And was never Recieved which would break the transactions Validity And the pnc mercananct agreement between PNC And Third party XXXX Screenshots will be provided failure to Make temporary credits permanant may Result in a lawsuit under state Guide lines in Magisterial Court under my Belief of wrong doing. I Request pnc cease and decist the Amount being put back on the account at which phone calls where made and was told. This documentation was revieved.

Company response to consumer: Closed with explanation