vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
will I'd themselves. told stop call send mail. they will not id themself and ask for address verification immediately. I hv to hang up on them. threatened to sue etc. years this has been happening. block their no. and another no. will call thru with same tactic to verify personal info. always live person, mostly female voice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 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: NY

Complaint narrative:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. 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.

I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

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 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. 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. 
I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 60 days past due on the XXXX   partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I have already filed one complaint with CFPB and it was closed with out resolution by this company. they are now REFUSING TO PAY THE TAXES WITH MONEY IN MY ESCROW, due to the fact I paid them to prevent my wages from being garnished. This is beyond deplorable behavior for a mortgage company to take advantage of a consumer this way!!! They need to pay the taxes on the parcel second piece of property asap!! i will be contacting an attorney tomorrow by noon if this has not been addressed with an appropriate response. I consider it to be theft and will pursue until paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 60 days past due on the XXXX   partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I gave birth to my daughter in XX/XX/2015. I made an agreement with the doctor 's office to pay {$25.00} every month until my bill is paid off. I have not missed one payment. XXXX started contacting me on this account several months ago, asking me to pay more than what is owed on the account. They relentlessly call me several times a day at all hours. They have called and have woken up my children too many times by calling too early or too late. I am fed up with it. They call from many different phone numbers so I can not screen my calls. When I am forced to talk to them, they do not take me seriously. They disregard what I tell them. They interrupt me and they tell me they will continue to call even though I have told them to stop calling. I will continue to pay my debt directly to XXXX XXXX at her office, regardless. But these people need to stop harassing me. This debt should not be in collections and they should not try to get me to pay more than what is owed on the account.

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 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is reporting incorrectly that I am 60 days past due on XXXX XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-04 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: IL

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 15 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I was robbed by a nurse aid by the name of XXXX XXXX police report filed with XXXX XXXX sc sheriff who copied my banking information without my knowledge later charging to my savings account, she also took the card from where I had it hidden in my room without my knowledge used it and retired it at a later date. The company wells Fargo is trying to say between XX/XX/XXXX and XX/XX/XXXX of this year I gave my consent for use when I did not

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 2019-04-04 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.

Complaint narrative:
Hello, am an XXXX XXXX living in XXXX. am suspicious of D theft and requested my annual report online but could not get one. The answering machine wants to send me one by postal to my USA address. cant get it since i am not there. 

Please send me one as an email report on my computer. How can get one? 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 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: GA

Complaint narrative:
Someone else 's information is reporting on my credit report. I previously tried to dispute this error. The company responded that it could not find my file and ask me to send verifying information. I sent that information but never received a response. I am not sure whether I sent it to the wrong address but I nothing has changed. I am writing Consumer Financial Protection Bureau today to provide the documentation that was requested and hope that you can forward this information to the credit bureau for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: PA

Complaint narrative:
Today and for the past 3 months, I have had intense financial distress, and been unable to meet all my obligations. One of those obligations has been my car loan. Everyday I receive no less than 5 calls from XXXX XXXX concerning the vehicle. These calls are harassing, and when I do speak with someone they don't offer any resolution to my problem. The amount of phone calls I receive is outrageous, and it's throughout my work day, and the weekends, they never stop calling. I even had a note stuck to my front door concerning calling them. I have asked them not to call me during my work hours, that lasted about 3 days, and then right back to the repeated calls.

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 2019-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was reviewing my credit file and this company CACH/RESURGENTS is trying to collect {$440.00} from me and I have never had any dealings with this company and they are reporting late payments on my credit report from XX/XX/XXXX-XX/XX/XXXX. Please have them send me documentation of account opening and proof of me signing a contract with them which says I agreed to pay them {$440.00}. If I owe them this money, what did i receive or purchase for {$440.00} because I have no idea this account was opened in my name. I have no knowledge of this debt and do not owe them {$440.00}. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX  account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 15 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened a XXXX XXXX mastercard through Barclay 's on XX/XX/XXXX. The credit card came with a bonus offer of XXXX XXXX airline miles after {$1000.00} in purchases. The fine print reads " XXXX bonus XXXX will be awarded after you spend {$1000.00} on purchases that are not later returned or rescinded. Bonus XXXX will be awarded 4-6 weeks after the close of the billing statement on which the qualifying purchase has posted. '' {$1000.00} in purchases were completed by the close of my XX/XX/XXXX billing statement ( {$1000.00}, to be precise. Total payments were {$1100.00} including a {$99.00} annual fee ). That billing statement did not, however, indicate any amount in the " Bonus XXXX '' section. Furthermore, it has been 6 weeks now since the close of that statement, and the XXXX miles have not been credited to my account. 

Both attempts to reach Barclay 's through the secure messaging system and via phone with customer service representatives have proven unfruitful. Barclay 's is no longer responding to my messaging requests. A phone representative DID admit that this was a mistake on Barclay 's part, and the miles should have been credited long ago, but she was unable to offer any resolution or guarantees that the mistake would be corrected other than " they would look into it. '' Promised follow-up phone calls to me have not been made, and Barclay 's has not reached out to confirm their error or remedy 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 non-monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I closed this credit card account by telephone inXX/XX/XXXX. Since then, American Express has insisted on piling on fees and interest. This closed account should have XXXX balance. 

On XX/XX/XXXX I called AmEx to ask how my closed account has a growing balance. The representative told me fees had accrued because I had not paid the full {$200.00} balance on my bill with closing date XX/XX/XXXX. He said I only paid {$160.00} on XX/XX/XXXX, so {$40.00} carried over. That made no sense to me, and he was unable to tell me what my purchases had been, that led to the amount carried over. 

After hanging up without any resolution, I went back through all my statements and payments. I discovered that AmEx failed to properly apply reward points that I had redeemed as a statement credit in XXXX. Specifically, my XX/XX/ statement stated my balance due was {$83.00}. The top of that statement prominently displayed a rewards balance of {$15.00}. 

Before paying that balance due, I redeemed the {$15.00} reward balance as an account credit. Then I paid the remaining balance of {$67.00} by the due date of XX/XX/. Because {$67.00} + {$15.00} = {$83.00} account balance, I had brought my balance to XXXX by XX/XX/. 

AmEx seems to have ignored my rewards redemption. The XXXX statement only credited my account with the {$67.00} payment, and not the {$15.00} rewards redemption. The statement reflected {$93.00} in legitimate purchase charges. It also added a {$95.00} membership fee for XXXX. Given the lack of accounting for my reward redemption and the steep membership fee compared with my low spending habits, I decided this card was no longer a cost-effective product for me. Consequently I called American Express in XX/XX/XXXX to close the account. The representative agreed to close the account and reverse the fees. In closing the account, I forfeited my remaining reward dollars. AmEx thus benefited by my account closure, since it will not have to pay out those reward dollars. 

Although I have paid all legitimate charges, American Express nevertheless has continued to ignore my XXXX rewards redemption and impose fees and interest on the account, apparently to punish me for closing the account. To add insult to injury, AmEx has reported my account delinquent to the credit bureaus, thereby reducing my credit score and harming my ability to obtain credit on favorable terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, I created an account on www.equifax.com/fcra to manage my credit freeze. I tried to do a password reset. That's how I discovered a bug in the password reset process. The reset link doesn't reference a page which allows you to enter a new password : instead, it references a page which asks for your email address and password. 

I called customer support for a credit freeze 8 times over 4 days. I used both of these numbers : XXXX or XXXX. My request for help was never escalated to someone who DID, IN FACT, reset my password. 

Reps would tell me that they could only reset my password if I volunteered the following data over the phone. Name, full social, birthdate, phone numbers, home address, mortgage provider, monthly payment, credit card provider, total balance due or monthly payment, employment data, etc. This struck me as coercive. I answered several questions to verify my identity, then pointed out that the reps COULD CONFIRM that I had already created an account on www.equifax.com/fcra. I wouldnt be able to create an account unless I'd ALREADY answered those questions. SO WHY WERE THEY IMPLYING THAT THEY COULD ONLY RESET THE ACCOUNT IF I ANSWERED THOSE QUESTIONS USING A PHONE LINE WHICH MIGHT BE INSECURE? None of the reps I spoke with answered this question. 

NOTE In XX/XX/XXXX, I had used a phone-based system to place a credit freeze with Equifax. I got a pin, but never received paperwork from Equifax confirming that the freeze was in place - and that it had never been lifted without my permission. All of the other credit bureaus with which I placed a credit freeze provided confirmation of the freeze IN WRITING. except EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have Portfolio Recovery Associates harassing me for ouststanding debt that is over 9 years old. The  debt was not discharged in bankruptcy but written off due to the age of the debt. The debt is not on ANY credit report for me. The debt was never originally owed to Portfolio Recovery Associates but that has not stopped the harassment. When Portfolio Recovery calls me they reference my address from 8 years ago. Why are they allowed to harass me 5 or 6 times a day from different phone numbers for debt that has been written off. The debt has been written off by the original creditor. Why is Portfolio Recovery Associates allowed to harass me in an attempt to revive an old debt that was written off almost 10 years ago?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04 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: WV

Complaint narrative:
I recently received a copy of my Experian credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.

I am filing an complaint due to I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance XXXX XXXX XXXX XXXX : MAIL ORDER HOUSES Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX : MAIL ORDER HOUSES Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : BANKS Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX : FINANCE / PERSONAL Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX : AUTOMOTIVE Inquiry Date XX/XX/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 non-monetary relief
Consumer complaint received 2019-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX Company could not validate debt

Company response to consumer: Closed with explanation