vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA failed to put on their " home '' page of their website that they cater to military personnel and their families when it comes to applying for credit cards. I input my personal information on their website only to be informed that I was not eligible because I was not of military background. I spoke with a representative and requested that they disregard my information as I found their website misleading she stated they have to keep it. I told her the website needed to state on the " home '' page only military personnel and /or family members of military personnel are eligible to apply for a credit card. I want my information shredded and USAA to put on  their home page who is eligible to apply for a credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: TX

Complaint narrative:
I became aware of a fraudulent department store credit account opened in my name on Friday,  XX/XX/XXXX because the department store called me to verify that I had opened a charge account online, and wanted to confirm that I had charged $ 600+ in merchandise before shipping it. I stated that I did not open an account, and that the account and purchase attempt were fraudulent.
<P/>
I went home and placed a fraud alert with the major credit bureaus, and I subsequently obtained and reviewed all of my credit reports.
<P/>
I found an item under the " soft inquiry '' section of my report that was disturbing : an item indicating that I had accessed my own credit report via the agency 's interactive site on   XXXX  , but I did not access my report on that date. When I called this credit agency, the Fraud Department told me I had to speak to the Interactive division, and the Interactive division told me I had to speak with the Fraud Department, and also told me that they can not access any additional information about the source of the fraudulent consumer inquiry in question that I did not initiate.
<P/>
Obviously, if there is a logical explanation, I 'd like to know. Given the recent fraudulent department store account, it 's very frustrating that potentially, an unknown party posing as me, obtained my credit report. I 'd like to what this inquiry is, and if it is fraudulent, and how to prevent it from happening again, and how to keep it from happening to others.
<P/>
And, perhaps coincidentally, the potentially false consumer request from the fraudulent person posing as me happened on  X/XX/17 . The date that the department store made an inquiry to open the fraudulent credit account was just 3 days later on   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 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
Years ago I had  XXXX . After a year of up and down service, we went the  last 6 weeks  with no service at all. At  one time they even stated that they did n't show us having service. I canceled and went with another p rovider. I returned all equipment as required. They sent a bill for service we did not receive. After numerous calls to  XXXX , I finally got a lady who said she saw were the issue was and would take care of it. Next thing I know it 's placed with a collection company. I proved my case to them and they removed it form my credit report, then  XXXX  sent it to another collection company, I proved my case to them, then it was sent to  a 3rd collatio n company! Attached pictures show how  XXXX  installed our service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I logged into my account today after an attempted transaction on my card today failed. I noticed that my account was closed, which I had not requested.  I called Barclaycard and the representative informed me that the card was voluntarily closed and I should have been read some terms when requesting the account to be closed. The bank closed the card without my  permission and marked it like I requested 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 2017-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This debt has been on my credit for over 7 years since  XXXX  now we are in  XXXX  each time. I have been contacting this company for the longest time to removed, but its still on there. The debt was taken by my ex who knows the owner of the dealership. I have been disputed this item for years I would they verified a debt with who they spoke with was there a confirmation number given??? How would a creditor verify a debt without sending proof of signature documents the name of the person who helps me obtain this debt? Please look into this matter this company been seaming people for years and I am so happen to be a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Compliant filed against : Nationstar Mortgage LLC  XXXX  address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  TX  XXXX  I 'm a debt holder of mortgage with  Nationstar. Nationstar changed my address of correspondence without consent, mailed notices to wrong a ddress & irrevocably added forced escrow onto the property for the life of the loan without consent in  XXXX    XXXX  .     Upon bringing this up to customer service on more than  XXXX  instances over last 3 months,   Nationstar fail to follow-thru despite repeated calls/requests. I 've sent all proof and related items as requested but there has not been a follow-up from Nationstar.
Financial loss : Nationstar forcefully e  scrowed my mortgage which triggered me to buy an expensive insurance. This has caused grave financial hardship to me, not to mention hours of time away from work in dealing with customer service on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: ERC
State: AZ

Complaint narrative:
I have received a letter from ERC o n   XXXX   XXXX   2017   claimin g that ... I owe money to  XXXX   XXXX  and to my recollection I have never used  XXXX   XXXX  in the past and I do n't ever recall having  XXXX   XXXX  at my house in the last 9 years.  <P/> Creditor :  XXXX   XXXX  Original Creditor :  XXXX  Account Number :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   Amount of Debt : {$50.00} Reference Number   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   COLLECTION NOTICE Our records indicate that your balance with  XXXX   XXXX  remains unpaid ; therefore your account has been placed with ERC for collection efforts.   Upon receipt and clearance of {$50.00}, your account will be closed and collection efforts will cease.   Yo u may  be eligible to reactivate your service with  XXXX   XXXX . If you still have your equipment, yo u may only be re quired to pay a portion of your balance in order to reactivate. We can walk you through these simple steps to reactivate, simply call  (   XXXX   XXXX   XXXX .   This letter serves as notification that your delinquent accoun t may be reported to the national credit bureaus.    Unless you dispute the validity of the debt, or any portion thereof, within 30 days after your receipt of this notice, the debt will be assumed to be valid by us.  <P/>  View st atements, pay your balance, and manage your account online at  XXXX   Telephone : (   XXXX  )  XXXX  Toll  Free. All calls are recorded and may be mo nitored for training purposes.   Send correspondence to : ERC,  XXXX .  XXXX   XXXX ,  XXXX , FL  XXXX  Office Hours ( Eastern Time ) :  Mon-Thurs  :     XXXX   XXXX   XXXX  , Fri :   XXXX   XXXX   -   XXXX   XXXX  , Sat  :   XXXX   XXXX  -  XXXX   XXXX    This is an attempt to collect a debt. Any information obtained will be used for that purpose. NOTICE SEE REVERSE SIDE FOR IMPORTANT NOTICES AND CONSUMER RIGHTS Please do not send correspondence to this address.     XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX , PA  XXXX     XXXX   XXXX    2017. R e ference Number   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Amount of Debt {$50.00}  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  On the back  Federal Validation Notice Our Corporate Address  ERC  XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC.
State: CO

Complaint narrative:
I attempted to access my account online and was notified by the online portal that my account had restricted access and that I had to call their help number. This first occurred on XXXX XXXX, 2017 which was a sunday. The number I called notified me that their helpdesk was closed. So, I called again on Monday XXXX, 2017, the date I am making this complaint. After speaking to the first person, they told me I had to go to a SunTrust bank branch in order to prove my identity and have my account unlocked. This is not possible because I live in Colorado and they do not have branches west of the Mississippi. So, that person told me to call the branch in which I opened my account. Which was the XXXX, FL branch. After speaking to the fraud and support specialist there, they informed me that they can not do anything with my account unless I go in to the branch in person. They then directed me to speak to SunTrust 's fraud department over the phone. After speaking to multiple people in this department who all gave me the same " you have to go to a branch '' they finally escalated the call to a supervisor who then gave me the same " you have to go to a branch '' response.
<P/>
So, I am stuck here unable to access my accounts with SunTrust because they are, for some reason, requiring me to go in to a branch to verify my account. Over the phone I verified my name, address, account number, social security number, etc and they still said that I have to go into the branch. As you can tell, this is an absurd request on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report for inaccuracies and I noticed a company called " Pro Collect '' reporting a debt to XXXX, XXXX XXXXnd XXXX on my credit report for {$760.00} on XXXX XXXX, XXXX. I did research on the company to make sure it was a legal company and they were legally able to collect debt. I searched the State of Texas XXXX website and their is no record of this company in their database to collect debt. I am not sure if this company is running a scam. According to the State of Texas this company is in violation and I would like for them to be removed from my credit report. 

FINANCE CODE TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.
Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. Sept. 1, 1997.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
My family has been getting very annoying letters and phone calls regarding  XXXX  different accounts from this company  Portfolio Recovery Associates. they  claim I owe them, money and they have contacted so many of my family members and sent out letters to  XXXX  different location where I do not even reside and I would like them to leave us all alone and remove their collections from my reports wirth the  XXXX  credit bureaus because these debts were never supposed to be help against me and I gad contacts both  XXXX   XXXX  and  XXXX   XXXX   XXXX  regarding them they understood when I told them my personal information was compromised. What right does this company have placing collections again me when I am a victim? And how are they allowed to send endless mail to my family members homes in  XXXX  and   XXXX   XXXX  . I live in the state of Nevada, this is all so wrong and I would like them to remove me from their databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Transworld Systems , Inc. h as repeatedly sent me letters demanding that I pay a debt to   XXXX   XXXX   XXXX   XXXX    <P/> I paid the medical bill months ago. I have asked  XXXX    XXXX   XXXX   to notify   Transworld ; clearly they have not.
<P/>
I have also attempted to cont    act Transworld - they are unreachable over the web or during non-working hours.
<P/>
This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I ran a credit report on  X/XX/17  and saw I had a collection from Diversified Consultants for {$940.00}. I contacted that debt collector and was given information that there was an unpaid bill under my name for  XXXX . I was given an address that the account was under (  XXXX , Illinois ) I informed the Diversified Consultants that I have never lived in Illinois and they informed me to contact  XXXX . On the same day, I contacted  XXXX  and they were unable to verify how the account was opened. I spoke with a woman named  XXXX , who informed me to fill out a fraud report on their website and that would begin the investigation. Furthermore, I sent a certified letter to Diversified Consultants, asking for any written evidence that this account was opened in my name. On XX/XX/XXXX  I received a letter in the mail from Diversified Consultants stating that the name and address for the debt were verified and was sent a copy of an  XXXX  bill in the amount of {$1200.00}, addressed to my name, but an address in  XXXX , IL. On  XX/XX/XXXX , I filed a report with the FTC Identity Theft Center as well as an investigation to be completed through   XXXX   XXXX   and   XXXX   to remove this fraudulent activity from my credit report. On  X/X/17 , I will be filing a police report with my local police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 'm having a few problems. I first need hard copies of all  XXXX  credit reports to provide attorneys and I can not obtain the hard copies needed. I tried pulling them online and calling to get copies and   XXXX   has created this runaround and I ca n't get the hard copies I need, as required by law. I was told by an Attorney to document findings with the reporting agency, credit bureau and to document the dispute process with the credit agencies and I ca n't!!! I am simply trying to resolve inaccuracies reported and on my report and can not.   XXXX   has failed to create a way that supports consumers correcting the costly errors and that 's a serious problem.

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 2017-06-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 'm having a few problems. I first need hard copies of all   XXXX   credit reports to provide attorneys and I can not obtain the hard copies needed. I tried pulling them online and calling to get copies and   XXXX   has created this runaround and I ca n't get the hard copies I need, as required by law. I was told by an Attorney to document findings with the reporting agency, credit bureau and to document the dispute process with the credit agencies and I ca n't!!! I am simply trying to resolve inaccuracies reported and on my report and can not.   XXXX   has failed to create a way that supports consumers correcting the costly errors and that 's a serious problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LCS FINANCIAL SERVICES CORPORATION
State: FL

Complaint narrative:
After my wife 's bankruptcy,  XXXX    XXXX   converted this to a consumer loan and then transferred it to  LCS Financi  al.  Under Florida bankruptcy law, the lien should have been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: Ditech Financial LLC
State: AL

Complaint narrative:
My wife and I sold our home in XXXX and closed onXX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that Ditech reported us 60 days past due for the months of XXXX and XX/XX/XXXX. How could this be we paid off our mortgage in XX/XX/XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested Ditech to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at Ditech with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! Ditech has yet to return any of our calls. Unprofessional to say the least!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I started an online applica tion with CIT on   XXXX   XXXX ,  2017 . There was a technical error where I was unable to click on a button on the web form, and I was unable to complete the application. I called in to get help with the application, but they said it was probably a typo. On  XXXX   XXXX ,  2017 , I received an email  for CIT  saying they were n't able to open and account and to call in if I had any questions. I called on  XXXX   XXXX ,  2017 , but I was unable to get an answer as to why an account could not be opened. I called again on  XXXX   XXXX ,  2017 , and after a lot of prodding, I was told I could not be found anywhere in the nation. The person I talked to did not believe me that there was a technical error, and that I was unable to complete the application. On  XXXX   XXXX ,  2017 , I sent an email detailing the problem and received an automatic response that I would hear ba ck in one to two business  days. I have not heard back.

Company response to consumer: Closed with explanation