vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX has been attempting to contact me for a debt owed on my XXXX XXXX credit card for the past few weeks. However, they have been calling up to 7 times a day from an Unknown number, and have never left a message to identify themselves. On some days, they have called so many times in a row in such a short time, my phone has been allowing it to break through my Do Not Disturb mode as an emergency call. I work unusual hours, so they've been interrupting my sleep on several occasions. 

I only know it is them, because I have picked up the 'Unknown ' call on two occasions. Once, I hung up because nobody came on the line. The other time, I said that I would call back at a better time. Due to their frequent calls, I decided instead to collect logs and report them for their violations. 

Dates/times, per my phone logs : XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX - Spoke to someone at this time, said I would call them back. 
XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX Also, a note : Even after speaking to someone at XXXX on XX/XX/XXXX and telling them I would call back, they proceeded to call 4 more times that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: IL

Complaint narrative:
I Have been a Victim of Identity Theft I have submitted police report and all verifying documents and Equifax is still reporting fraudulent information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 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: LA

Complaint narrative:
I noticed an unauthorized hard inquiry conducted by the below agency : Institution Information : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I do not know who this agency is, nor did I authorize an credit inquiry.

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 2019-01-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a claim to my insurance company, for roof damage by a storm. By XX/XX/XXXX the claim was settled, I then submitted the check to XXXX XXXX because I have a Reverse Mortage on the house, all documentation has to be submitted tot hem for a 2nd time because they received it before the inspection was done by their inspector. 2 1/2 weeks later they sent the first check back to me indorsed. The contractor submitted an invoice for supliment work inside the house, XXXX XXXX XXXX   XXXX sent a check for the completion of the work on XX/XX/XXXX. This check included the depreciation amount, XXXX XXXX sent the inspector out a second time, the report stated that the work was 100 percent complete. They have repeatedly come up with a reason or excuse to not to indorse the check therefore I can not pay my contractor. It is now XXXX XXXX XXXX I either called them or received calls from them daily with reasons they come up with not to endorse the check. At this point the contractor is considering a lean against the property because of delay of payment. The insurance company has been supportive of me and the frustration of dealing with XXXX XXXX. They continue to lie about additional documentation saying that it has been sent from the insurance company with a different amount and want to send out another inspector even though they have already sent an inspector who has deemed the job 100 percent complete. I have spent over {$200.00} in overnight evenlopes sending out checks to them which they continue to send back unendorsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: CT

Complaint narrative:
I reaching out to you because there are many hard inquiries on my account that should not be there and or I did not consent to. For instance there are 4 or 5 pertaining to my buying a house. I was told that there was a grace period where the hard inquiries would be waved. In any case, I was unaware that shopping for better rates with different banks would affect my credit score in such a bad way. I was actually told that my wife and I could shop for mortgage lenders without penalty. Being that this was our first time ever buying a home, we feel like we were taken advantage of. Both of our credit reports reflect several inquiries that seem to resulted it lower our scores by what we consider a substantial amount. The following are reflected on both, my XXXX  and Transunion ; and I'm assuming my XXXX as well : XXXX XXXX XXXX XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX XXXX XXXX- XX/XX/2018, XX/XX/2018 XXXX XXXX- XXXX . We eventually went with XXXX XXXX XXXX XXXX  but as I stated above, through the entire process, my credit was pulled 4 or more times. I never gave XXXX   permission to run my credit the way they did. They were given permission for a pre-approval and the did 2 hard inquiries. All of these inquiries are disheartening. I was told I would not be penalized while house shopping ; and, I was Also, I went to XXXX  dealer ship in XXXX CT, on XX/XX/XXXX. I gave them permission to run my credit once, as a co-signer and they ran it themselves and through XXXX XXXX. Some of the inquiries on my credit report are nearly a year or so old. Before I bought my house in XXXX, my credit score was averaged at a XXXX. Now I'm being told it is at a XXXX ; all I did was by a house in that time, and my mortgage is always current. I don't understand I it went down over 100 points. 
If, you can help with getting a number of these inquiries removed I'd greatly appreciate 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 explanation
Consumer complaint received 2019-01-25 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I reaching out to you because there are many hard inquiries on my account that should not be there and or I did not consent to. For instance there are 4 or 5 pertaining to my buying a house. I was told that there was a grace period where the hard inquiries would be waved. In any case, I was unaware that shopping for better rates with different banks would affect my credit score in such a bad way. I was actually told that my wife and I could shop for mortgage lenders without penalty. Being that this was our first time ever buying a home, we feel like we were taken advantage of. Both of our credit reports reflect several inquiries that seem to resulted it lower our scores by what we consider a substantial amount. The following are reflected on both, my XXXX and XXXX ; and I'm assuming my Experian  as well : XXXX XXXX XXXX XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX XXXX XXXX- XX/XX/2018, XX/XX/2018 XXXX XXXX- XX/XX/102018 . We eventually went with XXXX XXXX XXXX XXXX but as I stated above, through the entire process, my credit was pulled 4 or more times. I never gave XXXX   permission to run my credit the way they did. They were given permission for a pre-approval and the did 2 hard inquiries. All of these inquiries are disheartening. I was told I would not be penalized while house shopping ; and, I was Also, I went to XXXX dealer ship in XXXX CT, on the XX/XX/XXXX. I gave them permission to run my credit once, as a co-signer and they ran it themselves and through XXXX XXXX. Some of the inquiries on my credit report are nearly a year or so old. Before I bought my house in XX/XX/XXXX, my credit score was averaged at a XXXX. Now I'm being told it is at a XXXX ; all I did was by a house in that time, and my mortgage is always current. I don't understand I it went down over 100 points.

If, you can help with getting a number of these inquiries removed I'd greatly appreciate 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 explanation
Consumer complaint received 2019-01-25 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: Bliksum, LLC
State: DE

Complaint narrative:
On XX/XX/2018 I had an installment loan show up on my credit report from XXXX XXXX. I did not open the account my wallet was lost and had all my personal information in it for anyone to access when calling the company about this they said there was nothing that they could do and that I was responsible for this loan. When calling as well the loan had doubled due to the 700 percent interest rate making a XXXX dollar loan a XXXX dollar loan saying that I owed. I refused to make payments on this because I did not open it when asking to remove from my credit report they would not making it on my credit report negative affecting my report. None off the people speak any English nor is there any website or do they give you the payoff they just keep adding to it. This loan place is a scam and very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Account has been closed/ Invalid contract

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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 contacted Transunion to advise them there were inquiries on my report that I did not complete for accounts listed that were apart of identity theft. They refused to remove them and advised me to contact the creditor myself even if it is for accounts that I did not apply for myself.

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 2019-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Roycroft Management
State: TX

Complaint narrative:
XXXX XXXX is repeatedly calling my cellphone and the HR department of my employer attempting to collect a debt. Per my rights I requested they mail any information related to this to me so that I can review since they stated they had all my personal information. They refused to do so. They told the HR department that they are XXXX XXXX from XXXX XXXX XXXX   regarding a complaint against me # XXXX. After calling them back on XX/XX/XXXX to find out what they wanted they refused to send anything in writing and became aggressive and cussed at me saying not to call them back with this XXXX and that they no longer wanted to talk to me only to my supervisor. Transferred me to his manager XXXX XXXX. Ended up hanging up on me. I called back and told them not to call me or my employer again. Today is XX/XX/XXXX and I received two missed calls from them and they called the HR line again requesting to speak with my supervisor. I called the XXXX number back today XX/XX/XXXX around noon and ended up speaking to XXXX XXXX again and he insisted on me giving a statement of intent as he was investigating this for a client. I again asked to be mailed something regarding this issue and he refused saying he will not stop trying to reach my supervisor to talk some sense into me giving them some information since he had a papertrail of all of my private financial details. I mentioned to him that I dont know how he got any of my information since I dont know him or his company. He continued on about how this was a courtesy before taking next steps. Numbers contacted by them are ( XXXX ) XXXX and ( XXXX ) XXXX. I did an internet search on the internet and there are pages of accounts of the same type of scenario by many others posted on the web.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
XXXX XXXX XXXX has me over 34 days past due is this is NOT true as my account is paid and up to date as of today XX/XX/2018. I have been working with them since XXXX and XXXX to bring my account current and they still have fees on my account. We currently have an agreed payment on file in the amount of {$540.00} vs {$590.00} which was put on my account by my account manager 3 years ago. I am sick of their illegal collection policies and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX, an employee of Huntington National Bank in  XXXX, Ohio obtained unauthorized access to my credit report from XXXX, XXXX and XXXX. I learned of the unauthorized access on or about XX/XX/XXXX. Although I am an account holder at Huntington Bank, I never applied for any type of credit or loan from Huntington and I never authorized the release of my credit reports to Huntington or anyone associated with that bank. On XX/XX/XXXX I spoke to " XXXX '' and XXXX XXXX at Huntington Bank ( XXXX ) and was told by XXXX that the credit inquiry would be removed by the bank. XXXX told me that she had " sent a request '' to the credit bureaus to have the inquiry removed. On XX/XX/XXXX I spoke with XXXX XXXX, reportedly XXXX 's supervisor, at ( XXXX ) XXXX. He also told me that he would have the inquiry removed from my credit report. On XX/XX/XXXX XXXX changed his story and told me that I would need to sign a statement and include my approval for the inquiry to be removed. XXXX claimed this was the procedure required by each of the credit bureaus. I asked XXXX to provide proof from the credit bureaus of such a requirement. He has not done so. I have never believed XXXX 's claim about the credit bureaus ' alleged requirement. On XX/XX/XXXX I spoke with XXXX XXXX at the bank ( XXXX ). She is said to be the manager of the bank 's " customer advocacy ''. She claimed she did " not understand '' why I would not sign the statement I did not think was required. On XX/XX/XXXX, I received a telephone call from XXXX XXXX ( XXXX ). He claimed he was another member of the bank 's customer advocacy " team ''. He stated that his primary goal was to " deal with removing the credit inquiry ''. All indications are that he has not even tried to do so. He has certainly not put anything in writing as I asked him to. Each of the above mentioned persons ( some more than others ) has a tendency to interrupt, be argumentative and make excuses. One thing they have not done is correct their unauthorized inquiry into my credit report. On XX/XX/XXXX I spoke to representatives of XXXX, XXXX and XXXX concerning this matter. To a person, they each unequivocally stated that their credit bureau requires the bank to remove the inquiry and that they do NOT require ME to do anything. Each credit bureau representative also confirmed that the bank has done nothing in that regard. The people I spoke with are XXXX, a supervisor at XXXX, I.D . XXXX at ( XXXX ) XXXX ; XXXX, a supervisor at XXXX, at ( XXXX ) XXXX ; and XXXX at XXXX at ( XXXX ) XXXX. XXXX offered to contact the bank on my behalf. The bank 's response, or lack thereof, to that contact should be interesting to note.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc.
State: SC

Complaint narrative:
I do not have a debt with Key2Recovery. I am constantly receiving phone calls all time of the day. I just want it to stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: TX

Complaint narrative:
sent ftc violations and police report of having 4 social security numbers on experian that are not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My wife got paid on XX/XX/2019. On XX/XX/2019 I was checking my bank account to see if the funds were available to buy my medication and food. After checking, I saw that {$610.00} was taken from the account without my permission, so I called Navy Federal to see why. Navy Federal told me that because I was 35 days late on my Navy Federal credit card they withdrew all the money from my account. I tried to explain to them that was all the money I had to to buy food and medication for my XXXX kids until I receive my VA XXXX pay on XX/XX/2019. Navy Federal told me they would only try and submit a partial return of {$300.00} if I agree to some type of promise and set up auto pay for my auto loan. My auto loan was due on XX/XX/2019 in the amount of I think {$310.00}. I have 6 months left before my auto loan is paid in full. As of today, XX/XX/2019 I'm 1 day late. Navy Federal told me because I was 1 day late, my auto loan was now in collection. As of XXXX XX/XX/2019 I only have a refund of {$300.00} back to my account. I have a wife and XXXX kids that I have to buy food, gas and other things. Talking to Navy Federal was useless. Navy Federal basically was forcing me to set up auto pay before they even think about issuing me a refund and said, if it went through they would only refund partial payment and iam out of luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
sent ftc violations and police report of having 4 social security numbers on XXXX  that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: TX

Complaint narrative:
My husband called his Sears Credit card approx. XX/XX/2018 to make a {$17000.00} payment to our credit card. 
He authorized the payment to be exactly {$17000.00}. On XX/XX/XXXX ACH Sears made a withdrawal of {$17000.00}. 
This overdraft of {$160.00} caused my account to go into a negative balance and I was charged a {$30.00} service fee from my credit unioXXXX. 
I had my husband call today XX/XX/XXXX to find out why Sears made a larger payment than what was authorized and he was given a lame excuse that since the actual charge was done days later there was interest that was accrued on that account. They refused to issue a check to cover the {$160.00} or the {$30.00} service fee. Instead they offered to put the {$160.00} back on the account. I am deeply disappointed that Sears would do this to us as customer that has more than 11 years of a relationship with them.

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 2019-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
Ford Motor Credit / Ford Motor Company misapplied payments, didn't correctly report to the credit bureaus ( which I'm having to correct their inaccuracies with the bureaus myself ) and failed to report that the vehicle in question was ( as agreed by all parties ) RETURNED with a XXXX balance due to their fraudulent and shady business practices as an effort to avoid being sued. 
Ford Motor Credit and XXXX XXXX XXXX XXXX ( Virginia ) are crooks and sell overpriced lemons after refusing to allow someone to purchase a vehicle ( IN CASH ) telling them that they only way they can get a car is to finance it through them. And then they throw in their " VIP '' package which is bs because in the end it doesn't save you money on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
I did not give Phoenix collectors permission to buy my information from another company. This is a very old debt almost 6 years old. I know nothing of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation