vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners
State: PA

Complaint narrative:
Company called a family member and my place of work multiple times, starting XX/XX/XXXXst and continued calling on XX/XX/XXXX. They told both they were trying to collect a debt from me. They did not call me or try to mail anything to me. When I called them, they told me the original creditor was a day away from suing me and I needed to pay XXXX XXXX XXXX that day. They only sent me an " offer letter '' email ( attached ) and would not send me any physical mail. They gave me no information to validate this alleged debt, and the bank says I don't owe them money and they were not in the process of suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
please i had Fraud Alert on my credit Report and i received Alert email from XXXX XXXX change on transunion by bank of america someone applied for some Credit type and already contact bank of america and complaint and deactivate credit card to replace and change user and password and now i'm asking to remove Unauthorized hard inquiries from my report XXXX XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX due to Unauthorized and Fraud alert already on my report XXXX XXXX month ago and i already contact 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 non-monetary relief
Consumer complaint received 2018-09-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX www.experian.com This company got my personal business credit report mixed up with my next door business credit report. My business name is XXXX XXXX located at XXXX XXXX XXXX XXXX, next door business name is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. I bought my business as a contract for deed onXX/XX/XXXX and I paid off for that business on XX/XX/XXXX, at that date that business became mine and the title was transfer to my name. In the mean time the next door business been their since XXXX. 
Experian credit report company got my business personal credit report in bad shape and made too many mistakes by adding the wrong information to my credit report all those information were the other business info, example of some of those mistakes are, they said that I been in my business since XX/XX/XXXX that was wrong, I took over my business as XXXX XXXX on XX/XX/XXXX, They claim that I been in that business for 52 years I was born in XX/XX/XXXX, and that impossible to own a business at the age of XXXX years old, they claim that my yearly sales are {$140000.00} my yearly sales never exceed the {$80000.00}. I do have two business credit account one with the XXXX XXXX and one with XXXX both those account never been report it on my business credit report for the past 15   years. 
I did complain to the company Starting on XX/XX/XXXX, and furnish them with all the real documents that proof my allegation. Also I send them a copy of the business next door menu showing the name of that business as XXXX XXXX XXXX, and so far they refuse to fix their mistakes, and that hurting my business credit, and that effecting my income. 
I need your help to force this company to fix their mistake that they made with my personal business 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 2018-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Existing credit card statements attempt to be transparent by generally indicating the following computation, " This unpaid balance will be paid in full in _____years by making the indicated minimum payment ''. 

This is partially helpful however a very simple additional statement which is obviously simple to add to the statement would be much more transparent ''. 

" Your most recent payment was $ _________. If this payment amount is continued the unpaid balance will be paid _______________. '' In my proposed addition and change to the transparency the credit card user will more fully understand that higher payment amounts than minimum will result in faster payoff and also lower payment amounts than minimum will result in slower payoffs including possibly " never '' getting paid off if the payment amount is less than the minimum payment ''.

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 2018-09-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I called Equifax and spoke with two different reps. At first I spoke with XXXX, and then I spoke with XXXX who is in the fraud department. Equifax does not provide call reference numbers, I was advised to use my dispute confirmation number which I have XXXX, and also XXXX. I disputed two fraudulent accounts on my credit report. One for XXXX XXXX XXXX XXXX, and also XXXX XXXX XXXX. I am a victim of identity theft and fraud. I filed a police report with my local police department which is XXXX Police department, and I also filed a identity theft affidavit with the federal trade commission. Someone has being using my social to get goods and services. I sent over the police report as well as the identity theft affidavit to the credit bureaus. Equifax removed this account and then reported it back again the very next day. now Equifax is refusing to remove these items back off from my report. they are also refusing to provide me with the information that was used to verify that this account belongs to me. Why is it so easy for someone to use my information and damage my credit and my life but extremely hard to rectify the situation? especially when I have PROOF that I did not open these accounts. I never opened up a loan with this company, as a matter of fact I've never even purchased an auto since I've lived here in Texas, nor have I ever had XXXX XXXX which is the XXXX account. This is so sad and completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have a chapter XXXX BK Discharge on all 3 Credit Reports and i called to asked them how did they verify the Bankruptcy. I send Certified letter on XX/XX/2018 to all XXXX XXXX XXXX and LexisNexis as well. They all are telling me that they sent a 3rd party person down to the court to verify the Bankruptcy in person with my full social security number. In which that's not true because i have a letter from the Clerk of the United States Bankruptcy Court stating that they don't provide that information to the credit bureaus or any third party report agencies. And i received that letter on XX/XX/2018 from the Bankruptcy Court. So the credit bureaus and LexisNexis verification method on how they verified the Bankruptcy is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has violated and continues to be in violation of the Fair Credit Reporting Act ( FCRA ). experian has not been honest with who the source of this information is from, as I have received now 2 notices from US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX, THIS IS THE SECOND TIME THAT EXPERIAN HAS LIED ABOUT THE SOURCE OF ITS INFORMATION in its investigation of Bankruptcy Ref. # XXXX Despite my three written requests, the unverified item Bankruptcy Ref. # XXXX still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them? also you continue to lie about the furnisher of your information The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA if this unverified account is not deleted immediately I will attached the letter that was received from the federal courts by myself and my counsil and now submitted x 2 to the CFPB as a part of my complaint

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 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HOVOT Management, LLC
State: OH

Complaint narrative:
On XX/XX/2018 At XXXX I received a voicemail from XXXX Havet Management systems regarding a debt that was owed to XXXX XXXX. I contacted the company and spoke with XXXX and advised him that on XX/XX/2018 I had filed chapter XXXX bankruptcy and that this debt was included in the case. I provided the representative with the case # XXXX, and the representative continued to try to collect on this debt. When I advised him that he was in violation of the bankruptcy laws once given this information ; the representative continued. I ask to speak with his supervisor and also advised him that upon given the bankruptcy information calls and collections must stop. 

XX/XX/2018 at XXXX ; I received another voicemail from Havet Management systems that was and automated message, so I called the company again and advised that calls are to be stopped, and Spoke again with XXXX and was advised that was automated system. 

XX/XX/2018 at XXXX XXXX ; I again received another voicemail from Havet Management company regarding the same debt for XXXX XXXX, and again spoke with XXXX. I advised him once again that they were violating FDCPA, Bankruptcy, and other laws since they were given the bankruptcy information and I informed them if the calls continued I would contact the Bankruptcy court, and file a complaint. 

XX/XX/2018 at XXXX XXXX  : I received another voicemail from Havet Management system   from representative XXXX. I returned the call and advised XXXX that I had already provided the information regarding the Bankruptcy information and that there are to be no more calls. The representative stated that there were no records of this information, and that he would look into it and ask if he could call me back. I advised him that he could not call me back that the information was already given, and he could check that Bankruptcy court. I received another voicemail on XX/XX/2018 at XXXX. 

XX/XX/2018 at XXXX XXXX, XXXX XXXX, and XXXX XXXX I have received voicemails from XXXX again asking to return call regarding this debt. This has now become harassment and I want this company stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
this amount was supposed to be final payment to XXXX for TV and internet. It is really nothing to do with the final bill. I paid my final bill with XXXX. I had a problem with my receiver and called the technician for help. Talked to a supervisor about the problem. I was told by her the receiver was supposed to work like that. I told her it never worked that way before but the problem just started a few weeks ago. She told me there was nothing to be done about this issue. I then canceled my subscription with XXXX and went to XXXX. They then told me I should have given them a chance to resolve the issue. I did give them a chance and they wouldn't help. So this {$71.00} dollar + change was for early termination. I don't owe an early termination penalty, because they refused to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-25 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: LEXISNEXIS
State: SC

Complaint narrative:
have been disputing a Chapter XXXX Bankruptcy with LexisNexis since XX/XX/18 and have sent multiple letters asking for verification. LexisNexis ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis ' claim that their subscription to XXXX  was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I have received a letter from the US bankruptcy court saying that they do not report to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I purchase a car for son from XXXX XXXX used car I was finance with credit acceptance for amount that I was not aware about and now I can not afford it I try over and over to refinance this balance but unable to please help 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 2018-09-25 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: PNC Bank N.A.
State: WI

Complaint narrative:
PNC XXXX XXXX XXXX had sent out a promotional mailing that said the card had a 4 % payback on ALL purchases. After spending a few thousand dollars I went to cash in my XXXX points and the " conversion '' to cash back and applied to my account and the conversion to cash was only {$22.00}! The 4 % points generation ( XXXX ) are actually not worth {$110.00}, which would be the case with all my other 1 % card cash back, like XXXX, XXXX, XXXX, etc. Thus, the net cash back is not even 1 %, but rather only 0.8 %. I call this false advertising!! 

I talk to a PNC rep today ( XX/XX/18 ) and he said you get less on cash back and most people use gift cards. Well I check the conversion to two gift cards, XXXX and XXXX gas. The conversion is the same, NOT point per dollar, the same 0.8 % conversion of point to dollars. Very deceptive advertising!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to Experian, along with XXXX. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both Experian and XXXX have NOT removed this debt off of my 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 2018-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
Am being sued for credit card debt by XXXX XXXX, XXXX XXXX XXXX from XXXX, Florida. It was for a XXXX XXXX rewards card.The account was charged off and sold to XXXX XXXX who sold to XXXX XXXX, XXXX XXXX  XXXX. I was never contacted by original creditor as required by law that the debt was being sold. so it is not a true assignment of debt. The only document i received was old credit card statements. I asked for additional paperwork that proved they have the right to collect and I received nothing. 
I found out through public records of a lawsuit. I called and spoke to a representative who made me an offer that I could not afford. They would not budge. I am disabled and living on social security. I believe they have to provide me with proof of assignment showing that the account was sold from original creditor to them. I am not disputing the debt from the original card holder but only that i was not contacted and when I asked for documentation, I got no response, except that a lawsuit was filed. I found out in a advertisement from a outside mediator who wanted to represent me. In addition I asked to speak to an attorney and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Good Morning, I am writing you today as an aggrieved man. I filed an unauthorized charge claim with PNC Bank two weeks ago. I still nit have yet received my money back. I was told it would take 1 business day and I still have not received anything back. There were unauthorized charges that I knew nothing about nor consented to. I demand that my money stolen without permission be returned to my account asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
In XX/XX/XXXX we signed a HFA refinance that contained a 60 month " Monthly Insurance Premium ''. The original mortage holder was XXXX XXXX XXXX XXXX That loan was subsequently sold to XXXX XXXX XXXX XXXX and then to Rushmore Loan Management on XX/XX/XXXX. 
I have contacted Rushmore on several occasions, plus sent them copies of our mortage that definitely shows that the " MIP '' was for 60 months only. Our paperwork indicates that as of XX/XX/XXXX we no longer have to pay a monthly " MIP '' premium. 
Rushmore will not honor this paperwork and continues to assess us a monthly " MIP '' premium. They state that our loan principal is not at 78 % " LTV, base upon the XX/XX/XXXX property appraisal that was performed after our renovation work had been completed, therefore our monthly insurance premium can not be removed. 
I keep explaining to Rushmore that our paperwork was processed prior to the XX/XX/XXXX " MIP '' changes and that our " MIP '' is only for 60 months, but they will not tell me why they refuse to honor the documentation that I submitted to prove this statement. 
Rushmore further states that since our mortage is FHA, we can not even request a property re-appraisal. 
At this point, they now tell me that they can no longer help me, nor do they send out the documentation that they say they will send. All contact with Rushmore representatives has been not only confusing, time consuming, but extremely frustrating as well. 
Please review my documentation and advise if I am correct in my assumption that we should no longer owe a " Monthly Insurance Premium ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Letter was sent to collection agency and received XX/XX/2018 per their stamp on my letter. 
Letter asked for them to validate the debt information I pulled from my credit report. I never received notification of this debt from the collection agency. 
Their reply advised me, they searched their database and are unable to determine if I have an account in their office with the information I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
Opened on XX/XX/XXXX, a saving account online. Online application went to pending contingent on receipt of account being funded. Check mailed to fund account XX/XX/XXXX. To date have not received any correspondence or notification of account opening. Attempted on XX/XX/XXXX, to initiate chat to determine account status, including providing all requested details, and chat agent ended chat prematurely. Also attempted to call to determine status of account and was placed on a continuous hold.

Company response to consumer: Closed with explanation