vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-29 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: Credit Protection Association, L.P.
State: CA

Complaint narrative:
I received a phone call yesterday ( XX/XX/XXXX ) at XXXX XXXX. 

The caller said that I owed XXXX XXXX {$35.00} and that a collection agency had been contacted. 

I knew that I owed nothing but called XXXX XXXX and verified that. 

Today, I received a postcard purporting the same thing. I tried calling them but it is automated only. I tried a second time, entering the " reference number '' and was transfrered to a recording saying they were closed today and then disconnected.

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 2018-06-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
After disputing a debt from a collection agency company named XXXX XXXX over a month ago to verify a debt they claimed I owe them. It has since been 30 days with no response from XXXX XXXX. I have directly disputed the credit bureaus Transunion, and XXXX about XXXX XXXX claims with no known outcomes. I have attempted to resolve matter with the credit reporting bureaus Transunion, and XXXX with no knowm resolve as well. I have sent certified mail to XXXX XXXX   on XX/XX/2018 with no response. According to FCRA collection companies have 30 days to respond to verify a dispute. I have not received any responses from either XXXX XXXX nor the credit bureaus Transunion, and 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 2018-06-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
After disputing a debt from a collection agency company named XXXX XXXX over a month ago to verify a debt they claimed I owe them. It has since been 30 days with no response from XXXX XXXX. I have directly disputed the credit bureaus XXXX, and Experian about XXXX XXXX claims with no known outcomes. I have attempted to resolve matter with the credit reporting bureaus XXXX, and Experian with no knowm resolve as well. I have sent certified mail to XXXX XXXX   on XX/XX/2018 with no response. According to FCRA collection companies have 30 days to respond to verify a dispute. I have not received any responses from either XXXX XXXX nor the credit bureaus XXXX, and Experian.

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 2018-06-29 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: IN

Complaint narrative:
TransUnion Hard inquiries XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX Bank XX/XX/XXXX - XXXX   XXXX XX/XX/XXXX - XXXX Bank XX/XX/XXXX - XXXX I never authorized these inquiries. I called TransUnion to dispute but haven't been contacted since.

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 2018-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Action Collection Agencies, Inc.
State: RI

Complaint narrative:
I originally made an appointment at a place called XXXX XXXX XXXX at the end of XX/XX/XXXX. When I went to arrive to the appointment there was no such place in existence, and when I called they had claimed they have moved. This was my FIRST appointment, and I have NEVER SEEN ANYONE AT THE PRACTICE- so NOBODY TOLD ME THEY HAD MOVED. I told them I'm not paying for an appointment when you guys moved and never told me. They claim I owe them {$100.00}, but NO ONE MISSED APPOINTMENT HAS EVER BEEN {$100.00}. 

IT says I owe XXXX XXXX but I never attended one appointment and cancelled that appointment immediately. The secretary told me in XX/XX/XXXX she would handle it and it would be all set,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial Partners
State: IL

Complaint narrative:
I was contacted by a company called XXXX XXXX. They called me using a blocked number and told me they were XXXX XXXX XXXX asking for a relative of mine. I told them they had the wrong number and they proceeded to tell me it was in regards to an arson incident and had me write down case number, phone number and company name to give. That it was so urgent and involved legal documents needing to be sent. Out of curiosity I called the number to see if it was legit and this is how I found out who the blocked number the woman called from belonged to. A representative for XXXX   XXXX XXXX answered, gave a name and I told them I obviously am not who they are looking for. They asked for the " case number '' to see what was going on. I asked how they got my name and number when I know this relative does not have it. He claimed he got it from my relative 30 days prior. That it was the main contact info given. I told him that is impossible and he cut me off claiming it's the info given as contact and until they reach my relative there is nothing they can do. I asked what this is even in regards to and that the woman from the other company they work with said it was something about arson. He claimed he could not give me any further information and that they were a civil mediation company. So in response I asked if it was for a debt and he replied no. It was to talk to the relative and be the middle man in a situation and if the papers he needs to get aren't given then there will be legal consequence and he could be picked up. I told him I don't know where they are and this is not their number so if they will not stop calling I would pursue other legal means to stop it. He again said they can't take my number out and just to relay the information to the relative and that was it. The relative they are looking for is not involved with any mediation lawyers. Not to mention, I have never heard of any arson cases involving this type of lawyer. We live in IL these lawyers are not based in our state either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX brought account from XXXX XXXX XXXX. 
XX/XX/2018 I have contact XXXX XXXX XXXX to request documentation as of XX/XX/2018 I have not received documentation. I have received XXXX dispute result indicating information has certified to XXXX the information is accurate and remains. XX/XX/2018 I contact XXXX XXXX XXXX spoken with XXXX @ XXXX, XXXX XXXX and XXXX XXXX XXXX Each representative have informed me XXXX XXXX XXXX do not have documents on file to verify the account. Please assist with getting account removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: NJ

Complaint narrative:
On XX/XX/2018, I submitted a complaint to Transunion via the CFPB Complaint Portal stating that I sent one letter to the credit bureau on 3 separate occasions on XXXX, XX/XX/2018 and XX/XX/2018. Each time, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for collection accounts listed below that are reporting on my credit report. The credit bureau each time has failed to provide such proof. The complaint number on CFPB is XXXX. 

Transunion responded on XX/XX/2018 stating We do not provide dispute verification responses received from creditors. This response is not only unsatisfactory, it is non compliant and as a credit bureau, Transunion is not following the law. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), as a credit agency, Transunion is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that Transunion has on file of the accounts listed below. Under the FCRA, unverified accounts must be removed and if Transunion is unable to provide me a copy of verifiable proof, Transunion must remove the accounts listed below. Again, if Transunion can not provide Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts you have on file listed below, I demand these accounts be removed immediately. 

This complaint is my earnest attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 

To provide absolute clarity and to leave no further excuses or error for Transunion, I am specifically disputing the items below that include the account names and numbers : 1. XXXX XXXX   - # XXXX 2. PORTFOLIO RECOVERY # XXXX 3. XXXX XXXX   - # XXXX Additionally, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am unable to receive my credit report online as described on their web page. I have tried several times over the last year and it will not allow it. I think the process to get a copy mailed is too complicated and they are doing this on purpose. There is no logical reason I shouldnt be able to get it online. I am asking your department to find out why they cant and do they do this to everyone. 
This company is XXXX. I believe this is unethical, if not illegal.

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 2018-06-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Problem : I have direct deposit from my work to bank institution ( People United Bank ). My deposit is count it very late on the payday. When transaction kick in they charge instantly a fee of {$37.00} and they use all mean to access to others account like saving to take the money out. 

XXXX In-process ACH CREDIT XXXX XXXX XXXX XXXX XXXX XXXX It was XXXX XXXX EST when I decide check the account and status is : in process I send a email to then XXXX EST and their system register : Sent:XX/XX/2018 XXXX CDT Unhappy Customer People United Bank .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Premier Student Loan Center
State: MS

Complaint narrative:
On XX/XX/2018, a company by the name of Premier Student Loan Center promising to enroll me in a forgiveness loan program. They are trying to scam me and they have changed my FSA password. They have all of my personal information including my name, card information, address, social security number, and financial aid information. I spoke with them and they gave me false information. I did more research after realizing what had taken place and wanted to report the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XXXX BANK through its XXXX XXXX XXXX program allowed someone to fraudulently and falsely take out a {$17000.00} credit line at 26.9 % interest in my name and gave them a {$4100.00} advance without proper risk controls or account verification. XXXX never mailed anything to my home address of over 20 years or same for phone number. 
A month later they send letter saying I owe it. They have unknown phone and email for me and then put the responsibility to clear it on me, the victim of theft by XXXX Bank. They alone have knowledge and contact with thief but file no police report and refuse to provide credit monitoring for their inexcusable lapses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/18 I have contact Experian spoken with XXXX to verify account and was told account was sold to XXXX XXXX XXXX XX/XX/2018. I have request document on file to confirm account as of today XX/XX/18 I don't have documents. 

XX/XX/18 I have spoken with XXXX XXXX to verify account and was told account was sold to XXXX XXXX XXXX XX/XX/18. This is ( 2 ) different sold dates. 

XX/XX/18 I have contact XXXX XXXX XXXX to request validation of debt and still have not received documents as of XX/XX/18 XX/XX/18 I have contact XXXX XXXX XXXX spoken with XXXX, XXXX and XXXX XXXX to confirm account by requesting validation of debt.

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 2018-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
this address was used by idenity thieves, using my XXXX credit card and then tring to open other accounts, it is still on my EQUIFAX report. Filled out a despute form and address is still on.It was taken off other sites. XXXX XXXX XXXX. XXXX FL.XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This bank is engaging in unethical and misleading business practices. Providing the information they provided in response to my initial complaint is AFTER the fact. First of all, it took DAYS to get any sort of response regarding where my money was. By that time, I had decided to no longer do business with them and transferred the money back to my original account with another bank. At that time, I discovered that I was charged a FEE of {$3.00} to transfer MY MONEY ... which left me with a NEGATIVE balance. So I immediately transferred {$10.00} in to cover that. Which brought me to a {$7.00} balance. They will not allow me to close the account unless the balance is {$0.00} and they will only do transfers of a minimum of {$10.00}. Their nearest branch is over an hour away from my residence. As far as I'm concerned, they can keep the {$7.00}. I do not want to do business with them at all, ever again. Meanwhile ... I see now ... again, after the fact, that they will charge me a monthly service fee for this account. Something I was not aware of prior to opening the account. Again ... all I want is to close the account and be done with them and not have to drive two hours to do it. They can have the {$7.00}. Is that really all that unreasonable a request?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 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: GA

Complaint narrative:
I am writing to inform you that I have several items reported on my credit file that I have no knowledge of and is not mine. For one : : XXXX XXXX ( knology ) {$300.00} XXXX XXXX ( XXXX ) {$30.00} XXXX XXXX {$580.00} * these accounts are fraudulent and should not be reporting on my credit file. I have never had any service with XXXX or XXXX XXXX. 
* As a customer, customer are not allowed to have several accounts, I am curious to know why there are two accounts from the same company reporting on my file.

* The mishandling of this information is a breach into 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 2018-06-29 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: GA

Complaint narrative:
I am writing to inform you that I have several items reported on my credit file that I have no knowledge of and is not mine. For one : : XXXX XXXX ( XXXX ) {$300.00} XXXX XXXX ( XXXX ) {$30.00} XXXX XXXX {$580.00} * these accounts are fraudulent and should not be reporting on my credit file. I have never had any service with XXXX or XXXX XXXX. 
* As a customer, customer are not allowed to have several accounts, I am curious to know why there are two accounts from the same company reporting on my file.

* The mishandling of this information is a breach into 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 2018-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
Grant and Weber has posted two medical bills on my credit report one for XX/XX/XXXX and one for XX/XX/XXXX. Both for XXXX XXXX I never had any of the services on those dates and my medical insurance was with XXXX where it was fully covered. These postings and billing are erroneous. Please CEASE and DECEASE and remove all collection derogatory activity from 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 2018-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I did not receive a notice to dispute letter. I am unaware of this accountdebt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
My phone has been ringing off the hook the entire month of XX/XX/XXXX. I receive phone calls every day, multiple times a day from a company called " Diversified Consultants '' a debt collector, for a debt that I do not owe. 

I have repeatedly blocked the numbers calling me, and the very next day after blocking the numbers calling me, I will receive calls from a new number, but from the same company seeking a debt that I do not owe!!! Every single time they call me phone, they never ever leave a voice mail, but they continually call me day after day after day with new phone numbers. 

As of XX/XX/XXXX at XXXX XXXX E.S.T., I have been called a total of 21 times, by 13 different phone numbers, all of which belong to Diversified Consultants. 21 times in 29 days ... That is beyond excessive and absurd, and to make matters worse, I DONT OWE THEM ANY MONEY, NOR IS THIS A DEBT THAT BELONGS TO ME! This is a SCAM! 

I am contacting my attorney and filing a lawsuit for harassment, and as soon as this is published, and they are notified via XXXX XXXX XXXX XXXX, they will be also receiving a certified letter in the mail, notifying them that they are being served. I will have my peace of mind! These scammers need to be taught a lesson. 

These are the phone numbers that they use to call, and how many times they've called using these numbers so far for the month of XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have called me on 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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There is still one more day XX/XX/XXXX, and I can bet they will call me at least two more time before the month is over. 

This company must be stopped and will pay dearly in court due to their gross harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CORELOGIC INC
State: CA

Complaint narrative:
I have been receiving several mail items to my home regarding a seemingly fishy company called XXXX XXXX XXXX XXXX XXXX, which they claim is linked to the legitimate company ( CoreLogic ) claiming that they paid my property taxes for me, and are seeking reimbursement. 

I have repeatedly ignore these requests as they sound extremely scammy and because I've paid my property taxes directly with the county.

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