vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Security National Automotive Acceptance
State: AE

Complaint narrative:
In XX/XX/2012, I was preparing to XXXX to XXXX so I went into the XXXX XXXX website to fix allotments to make sure that my finances would be taken care of while I was XXXX. I accidentally deleted the allotted for SNAAC. I had no idea until XXXX XXXX who happened to a Representative for them at the time made attempts to contact me in XXXX by email, but since I was often out on missions she was unsuccessful. She contacted me via XXXX XXXX which in hindsight seems to me like an peculiar way to contact someone for debt collection. She threatened to contact my XXXX XXXX at the time, which she either did or someone from the Rear Detachment at XXXX XXXX   gave her XXXX XXXX 's email or relayed the message because I got a stern talking to from XXXX XXXX about paying my bills on time and threats of XXXX if I didn't take care of the problem. I took care of the issue as soon as I was able to get to a computer and then applied for refinancing with XXXX XXXX XXXX XXXX upon my return to the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: FL

Complaint narrative:
I took this payday loan out of desperation. 
I called on Thursday XX/XX/XXXX and was told my loan payoff would be XXXX And then when I called back on Friday XX/XX/XXXX I was told my payoff was XXXX. 
Because of late fees and interest. 
I emailed 2 times in XXXX to find out my pay off and to notify them I changed jobs and my pay days had changed. With no response back. 
In addition to their late fees and interest I was charged. My bank charged me XXXX each time they withdraw their payment. 
You can't resolve anything with me because they don't return emails or phone calls from their finance dept

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
this company is claiming that i owe a debt from a pay day loan i did not take. 
this is fraud and i did not take out a loan with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Creditor XXXX XXXX XXXX & portfolio recovery had damage my credit and falsely report information to my credit agencies of late payments and such ; knowing long time ago I was XXXX by the time I wasnt able to pay as they already have all proofs I sent them plus the proofs in other complaints I called them to let them know my situation and to freeze my account but they continue maliciously to charge fees and report to the credit agencies and for instance damage my credit then sold the account to portfolio recovery. This account is too old and its statues of limitations has expired and is a corrupt account that has damage my credit without giving a though in my situation before and even though its amount is minor I wont pay it because I think they owe me more for false report and harrass and damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Creditor XXXX XXXX XXXX & XXXX XXXX had damage my credit and falsely report information to my credit agencies of late payments and such ; knowing long time ago I was XXXX by the time I wasnt able to pay as they already have all proofs I sent them plus the proofs in other complaints I called them to let them know my situation and to freeze my account but they continue maliciously to charge fees and report to the credit agencies and for instance damage my credit then sold the account to XXXX XXXX. This account is too old and its statues of limitations has expired and is a corrupt account that has damage my credit without giving a though in my situation before and even though its amount is minor I wont pay it because I think they owe me more for false report and harrass and damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
When checking my credit report, i found that this company is saying that i owe them {$2500.00} i have not taken out no loan or owe this company any money. i want this taken off my report. i will keep sending complaints until this is solved. i will write letters personally if i need too.

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 2018-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
To whom it may concern : XXXX XXXX has attempted to collect a debt from me that is not my responsibility. They have utilized 3 collections agencies over the past 4 years to harass me. I have disputed each attempt with evidence, and then the case is pawned off on another agency. I have attached a copy of my written dispute. In short, I was charged for electricity I did not use. I was living in another state at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Awhile back I kept getting my phone plan ran up past my limit by this company trying to collect a 12 year old cc debit. I called them and told them I would not verify my address not to call anymore. I told them that the bill has been wrote off and that by law they can no longer bother me about it. He hung up on me, then they persisted again calling from all kinds of XXXX numbers threatening to sue me and so forth. I had my phone changed and then they began calling my mothers number who is also on the do not call list. My mother is XXXX I did my part by calling them but they hung up on me so I am done with it. 

I had to change my cell number now they are calling the new number. I want this stopped I have registered every phone possible. The number they want me to call is XXXX I would give you all of their numbers but they are all XXXX XXXX XXXX message only numbers. They do this so you have to call them. I did now i am done and want them to stop. I believe it is capital one DO NOT GIVE THESE PEOPLE MY ADDRESS THATS WHAT THEY ARE DIGGING FOR. AFTER TRYING TO SPEAK TO THEM AND BEING HUNG UP ON THEY CAN FORGET ANY MORE CORRESPONDENCE FROM ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergant is collecting on bad debt that was purchased from XXXX. FCC ordered XXXX to be removed from credit bureaus from excessive fees that was fraudulent charged.

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 2018-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
The company I.Q. Data had a male representative speak to me with an aggressive and bullying manner. This caller from this company refused to accept that I was not the person he was looking forward and refused to hang the phone up and also refused to head my request that they stop calling this number. I had to speak to his manager about they verbal abuse received by this person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: WA

Complaint narrative:
These phone calls have been going on for weeks. We lost count of how many calls we received, because it sounds like the calls we got from the " I.R.S. '' last year. We have not received a written validation notice telling us how much money we owe within five days after they first contacted us. The message is the same automated message from Mercantile Adjustment LLC, XXXX. A robotic name " XXXX XXXX??? '' is provided, but is hard to understand. They want us to use reference number that is provided in the message, XXXX. The automated message is the SAME everytime, and is sent at about XXXX each day. The message does not ask for anyone by name ; therefore we do not know to whom the debt pertains. We are unaware of any outstanding debt that we may owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: CITIBANK, N.A.
State: VA

Complaint narrative:
National news stories being circulated on or aroundXX/XX/2018, reports that CitiGroup and XXXX XXXX  XXXX are using their powers to restrict banking by using their enormous market power to discriminate against customers based on lawful firearm-related business activities. It is reported that they are targeting businesses based on firearm policies and any other legal transactions, industries, and businesses they disfavor, prohibit, or boycott. 

My concern is that as a LEGAL citizen, they will decide if I can or can not use my money, via their credit card or bank account, to make legal purchases. That is counter to the U.S. Constitution ( 2nd Amendment ) and the fact that I am making a perfectly legal purchase based on U.S. and State Laws. If they, Citi or XXXX, do not permit financial transactions with legal business, then that is a form of discrimination. 

As a point of comparison, use and purchase of XXXX is allowed in some states, but prohibited by Federal Law. Why does XXXX or Citi allow people to make purchases with those businesses? Nor do they make policy statements that they will not support these businesses financially. Firearms businesses/manufacturers are legally operated businesses under Federal and State Laws, it is not the bank to decide what is legal and illegal in the United States, but legislatures. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Siggi LLC
State: AE

Complaint narrative:
I sent Omni Financial a debt validation letter on XXXX XX/XX/2018 and they still have not responded or taken this account that off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I do not want the banking institution infringing upon my civil rights by telling me what purchases I can or can not make. When I apply for a credit card it is my choice what I will purchase not the banking industry. 

Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Student Assistance
State: OH

Complaint narrative:
American Student Assistance unlawfully garnished my income tax return. I am not liable to any debts owed to American Student Assistance.

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 2018-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I owed XXXX shopping network some money from having their credit card, I was not able to pay after my divorce, they sold my debt to Portfolio Recovery and they began calling XX/XX/2011. Since then they have called me nearly everyday sometimes two to three times a day. They have a bunch of numbers they call from. I have told them by phone, orally to stop calling me over these past two or so years. I also told them in writing twice to stop all contact with me including calling or coming to my home, as up to a year ago they sent someone to my house twice a day. So far, however, they are only still calling now. I know I still owe the debt though it is no longer on my credit report. How can I make them leave me alone. I am XXXX nearly XXXX and I live on meager monies and I want to be left alone now. I now owe more then {$4000.00} due to late fees and interest the company piled on. I do not ever answer their calls. I have considered dropping my phone service though I use it for internet more then because of the phone. I record on paper every time Portfolio Recovery calls and by what number. I also hear from XXXX XXXX and I am not sure if it is the same company. Though they call right after the other.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
I sent XXXX XXXX a debt validation letter on XXXX XX/XX/2018 and they still have not responded or taken this account that off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I sent XXXX XXXX a debt validation letter on XXXX XX/XX/2018 and they still have not responded or taken this account that off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
Debt placed on my credit report that was never verified or validated. I don't recall receiving any information through mail or by phone of this alleged debt. This debt has lowered my credit score causing me to be declined for new lines of credit, and having to pay higher interest when approved. Please remove this debt, i am not the owner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
No contract with company. They refuse to send out proof of this matter. When I ask about this account I get a ride response. I do not know about this company they say they are a third party that brought account. I never signed anything with them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I owed XXXX shopping network some money from having their credit card, I was not able to pay after my divorce, they sold my debt to XXXX XXXX and they began calling XX/XX/2011. Since then they have called me nearly everyday sometimes two to three times a day. They have a bunch of numbers they call from. I have told them by phone, orally to stop calling me over these past two or so years. I also told them in writing twice to stop all contact with me including calling or coming to my home, as up to a year ago they sent someone to my house twice a day. So far, however, they are only still calling now. I know I still owe the debt though it is no longer on my credit report. How can I make them leave me alone. I am XXXX nearly XXXX and I live on meager monies and I want to be left alone now. I now owe more then {$4000.00} due to late fees and interest the company piled on. I do not ever answer their calls. I have considered dropping my phone service though I use it for internet more then because of the phone. I record on paper every time XXXX XXXX calls and by what number. I also hear from XXXX XXXX and I am not sure if it is the same company. Though they call right after the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Multiple Lenders unable to pull Equifax Credit Report. 

On XX/XX/XXXX I contacted XXXX XXXX to become Pre-Approved for a Mortgage Loan. The Lender came back to me and informed me that we were approved, but the Equifax Credit Report was blocked or frozen. The lender informed us that they would need to access this for us to qualify and close on a mortgage loan. They received the XXXX and XXXX report without any problem. 

After contacting Equifax Customer Care, they informed me that there wasnt a Lock on my credit report and its the lenders mistake or fault. 

On XX/XX/XXXX we contacted a different lender for a Pre-Approval. They also told us that the Equifax Credit Report was blocked, but XXXX  & XXXX report came through no problem. We were approved, but they would need the Equifax report for us to close. 

On XX/XX/XXXX, I contacted Equifax again to inquire if there was a solution to my problem. Again they told me it was the lenders fault and there wasnt a lock on my report. I told them it had to be on Equifaxs side, because the exact same problem happened a 2nd time with a different lender. I asked to file a complaint and they transferred me to an Escalation Department. They told me it would take 7-10 days to receive a response. There is no way to follow up and they told me I would receive an email or phone call. No complaint number or anything to follow up on. I dont feel confident that a resolution will come from this process. 

On XX/XX/XXXX, I called Equifax again to see if I could get a different response and that I wanted to file a complaint again. They told me if they filed a new complaint the original complaint would be deactivated and push the response time further out. I told them not to do that. Again they told me it was the lenders fault with no accountability whatsoever. 
On XX/XX/XXXX, we signed an offer agreement to buy a home and the close is scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I called Equifax to ask about the Escalation of our problem. They told me there was no way to look up the progress and I just had to wait for a response, again via email or a phone call. 

On XX/XX/XXXX, I paid for the Equifax Credit Monitoring and tried to pull my Equifax credit report and couldn't access my report. Please see attachment. 

Needless to say Im a little worried that this will not be resolved in a timely manner due to Equifax and we will lose the home that were buying. 

Any help that you can provide would be greatly appreciated! Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Mobile : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I paid my usaa XXXX XXXX card off a month ago. They show and say my balance is XXXX, however usaa has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29 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: FL

Complaint narrative:
I called each of the credit reporting companies on Monday XX/XX/XXXX and asked customer service about removing unknown inquires, XXXX  on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I was told there was nothing I or they could do other than wait the time to them to remove them selves unless I could provide proof I did not know who the companies were. I asked how I could prove something I did not know about. They said that is why I had to wait for it to fall off.

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