vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NV

Complaint narrative:
I was contacted on XXXX by I Q International. When I spoke with the rep he was very verbally abusive. He stated that I need to pay the amount in full and that they do not accept any type of payment arrangements. I told im i did not have the XXXX he then stated why was I calling him and wasting their time. However, I did not call them. He then stated they were going to negatively affect my credit. I decided to take a moment to calm down and call back on XXXX. When I got a rep on a phone I stated what happened the day before and that I had questions. He stated they do but they do not make payment arrangements. He advised me first I need to apply for a loan from a third party to pay them in full. He stated I need to do this with a co-signer because of my credit was bad. I personally do not think this was any of his business to ask me that kind of information. He then went on to state that if I was denied I need to send them that information and then they will talk about payment arrangements. I have never heard of a company that collects debt dealing the way they are and find it not right as well as abusive and intrusive to personal business that they should not be asking. They have degraded me and made me feel as if im am being bullied in to applying for a loan I know I can not get or a loan that is going to cost me well over what my normal debt is. I asked if they will provide any paper work stating I am making payments as i already know i will not be able to get as I do not have a co-signer or the credit score to  obtain such a loan. He then stated that they do not give any type of paper stating I am paying so I can try and get another apartment and show I am working to pay that debt off. I'm not sure if this is a legit way of doing business with people or if this is a complete scam. My next move is to open a lawsuit since I can not even get the correct information or any type of document showing im paying or what they are saying is true. Its not okay to treat people in this way when they are trying to pay.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a voicemail message, Attention this is XXXX XXXX with the process service department calling to notify the _________ at two times be made to issue certified legal documents to ___name_____ if you have any questions or need to make any changes to the time or the location of this delivery you need to contact the legal firm handling your case phone number is XXXX. When calling in please reference your case number XXXX If you dont contact the legal firm it will result in legal proceedings to take place without your knowledge and or participation When I called the number the person who answered said, XXXX XXXX. Then transferred me to a man who said I was XXXX, stupid, irresponsible, laughed multiple times audibly, refused to tell me what company he worked for or his name, gave me an account number that he said was for a debt with Bank of America, read my social security number to me, gave me an amount of just under {$4000.00} and told me to call Bank of America to verify and then call him back to pay the debt. I called Bank of America and they can find no such account. If they had found it, wouldnt I just need to pay them? 

He had my name, my wifes name and my accurate social security number.

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 2020-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
Spoke with original debt and debt has a XXXX balance. Capital Collections LLC, continues to increase the monthly amount which they're not allowed to do per Florida Finance Code.  In addition, they have yet to ever very debt. Orignal debt no longer does business with Capital Collections as to what i was advised by their office today.

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 2020-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


this was an unauthorized inquiry On XXXX and transunion and XXXX but, when I check my credit score though XXXX ( Capitalone card ) It shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Who in the XXXX knows why the same bureau reports differently I called the number at Small Business, the receptionist said they had hundreds of complaints and transferred to a line where it said the wait was over 2 hours, I was 109 in line. 

These credit bureaus need to be doing a better job. Now I have a credit alert for their failure and XXXX around with credit freeze

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 2020-08-12 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct 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 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I sent a check number XXXX from my bank XXXX and XXXX XXXX XXXX XXXX. The check was never cashed by the credit card and I was never notified by the credit card that my payment was not recieved, by phone or email. I accidentally found out when I tried to get gas and my card was declined. I was not contacted by the credit card to be informed that my payment was not received. I called the company as soon as I found out and made a payment immediately. I requested, as a courtesy, to have the late fee and interest fee waived, because my account has been in good standing and I wanted to know why my card was declined. I was told that because the fee was waived back in XX/XX/2019, I am no longer eligible for a waived fee. When I asked to speak to a supervisor I was told that no supervisor was available to speak with me and that I can call back later if I wish. When I called in there was a pre-recorderd message talking how Comenity is " there to help if you face financial hardship due to COVID '', however, if Comenity is not able to help me with a late fee and interest fee adjustment, how could/should anyone trust that they would help them during COVID hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct 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 2020-08-12 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: CA

Complaint narrative:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
On XX/XX/XXXX, I made a {$250.00} payment to my card so that I could book a hotel for a wedding. On XX/XX/XXXX, I made an additional {$400.00} on XX/XX/XXXX. 

This final payment was enough to bring my bank account down to below {$200.00}. Normally, my revolving credit is available immediately after payment. However, this time Citi put a hold on my account and prevented me using my available revolving credit. So not only was I unable to use my CITI card, but I could also not use my bank account because citi was in the process of drafting {$400.00} ( and had already drafted {$250.00} ). 

This essentially prevented me from any spending activity unless I wanted to risk an overdraft. 

Not only this, but the bookings I had to make expired, and I ended up having to make new bookings at more than double the cost using my partners account. No billion dollar company should be keeping my money from me. 

It has been a week and I still dont have access to 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 2020-08-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My balance was paid to {$0.00}. I contacted each individual credit bureau ( XXXX, XXXX, and Experian ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45  days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.

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 2020-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I don't own this debt nor do I know what this debt comes from. I haven't come into any financial obligations with IC SYSTEM. I dont have any contracts or debts with IC SYSTEM

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 2020-08-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My card was stolen and used all my money was stolen from my unemployment claims

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 2020-08-12 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: PA

Complaint narrative:
My balance was paid to {$0.00}. I contacted each individual credit bureau ( transunion, XXXX, and XXXX ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.

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 2020-08-12 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: PNC Bank N.A.
State: PA

Complaint narrative:
My balance was paid to {$0.00}. I contacted each individual credit bureau ( XXXX, XXXX, and XXXX ) about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I was notified by 5/3 Bank of a surplus in my mortgage escrow account on XX/XX/XXXX. Today is XX/XX/XXXX - 43 days later and I still haven't received a check. My understanding is that a check is to be mailed withing 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: TN

Complaint narrative:
On XXXX XXXX I received a phone call from AFINI stating it was an attempt to collect a debt. I asked the rep to send me a letter and proof of said debt. 

2 weeks later I received a bill from AFNI by way of XXXX. The bill was not enough to verify the account. I have asked for verification but never received anything other than a bill. This account is now on all three of my credit reports and I was not given the opportunity to verify. 

The alleged debt is for the amount of {$530.00}. 

The collection company is also not license to collect in the state of TN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California
State: CA

Complaint narrative:
I dont know who this company is. 
I never signed a contract with this company. 
I never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: OK

Complaint narrative:
Vance and Huffman LLC Have recently applied a collections account to my XXXX credit score. Vance and Huffman will not supply me with a copy of the contract I have signed. I am assuming it is because a contract does not exist. I believe this should be removed as I have not recieved any information from Vance and Huffman.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: NY

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON DC, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


this was an unauthorized inquiry On XXXX and XXXX   and equifax but, when I check my credit score though XXXX   ( XXXX XXXX ) It shows US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Who in the XXXX knows why the same bureau reports differently I called the number at Small Business, the receptionist said they had hundreds of complaints and transferred to a line where it said the wait was over 2 hours, I was 109 in line. 

These credit bureaus need to be doing a better job. Now I have a credit alert for their failure and jerk around with credit freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
Whereas after continuously investigating my issue, Ive learned of a few more items that these people have falsely and intentionally damaged my personal life ( Credit ). by what theyve done, stating that Ive missed several payments on this account,. Whereas when I accepted this account I knew and did the math on this, mainly because I could manage it to build my CREDIT up, those months that were wrongfully submitted that payments were missed, Im providing information to verify my truthfulness, Ive never missed a payment to these evil individuals, Ive tried to contact them and, have a sit down to discuss my information, I was only placed on hold and No one ever communicated with me, Ive even paid this company late fews for when I was never really late, a late few is charged to consumers even before a due date

Company response to consumer: Closed with explanation