vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: D2 Management LLC
State: OH

Complaint narrative:
I received a call from XXXX threatening to have me arrested. They also called my daughter and my employer. The calls and messages were very threatening. They told me to call XXXX. When I called the number, I was told I was being sued and it was a debt from XXXX XXXX  XXXX. I had previously been called about this same debt by D2 management. 
When D2 management refused to send me proof of debt, I contacted the XXXX. The responses I got from the company were not satisfactory and very rude. It seems as though D2 management gave this debt to the company that called me today. Neither company can provide me written proof of debt. I called XXXX XXXX XXXX directly, and they informed me that I don't owe them anything. I don't know the name of the company that called me today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX is reporting XXXX XXXX account XXXX. I was not primary borrower on account. I provided evidence of primary borrower filing bankruptcy. XXXX ignores my request to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: MS

Complaint narrative:
FOX COLLECTION CENTER is reporting a medical debt that was paid by my attorney during a settlement with the original debtor. I have tried to get this removed thru the XXXX dispute center. Fox Collection Center responded that the debt was verified. They did not say how it was verified only verified. I have complaints from others that the Fox collection center goes out to an electronic bulletin board and purchase account without even verifying that these debts are still unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX  XXXXXXXX reporting 9 missed payments. Months are inaccurate. Company ignores my evidence. Monthly payment is {$260.00} a month. Payments were not 30 days late. If payment is due the XXXX and I pay the XXXX that should not be reported.

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I called USAA credit card. Told them about the issue we have been having. Had the XXXX  with XXXX in XX/XX/2020, lost job in XX/XX/2020. 
I was paying and since Texas was affected by the winter storm, we didn't have any electricity for a week and it was during the time I needed to pay the payment. ( XXXX XXXX XXXX ) Dates Plus our bank account didn't have any money because, the unemployment is sending the money. Plus we were waiting for a check from our thrift fund. The social security wasn't there either. 
All I was asking for was a {$25.00} late fee. 
I really think USAA is messing with there customers. 

USAA says on the phone that they are willing to work with you if you are having a hardship. 
Well I even told that to them and they didn't care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been a customer of XXXX  XXXX XXXX for over 18 years After I paid off a loan with them they raised my credit limit to {$22000.00}. 
The credit card balance was XXXX but I had forgotten that I made a small transaction. I did not get my XXXX statement and when I saw that I was delinquent I paid the full amount However my credit limit was reduced to {$500.00}. And my credit score dropped 40 points because they reported a delinquency over 30 days I wrote them a letter because they stated no phone calls to dispute changes or delinquent charges I pay all bills on time but I would like to refinance my mortgage and this lower score is damaging my rate

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 2021-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collection has multiple accounts against me. They include personal medical information and are in violation of HIPAA by having such debt listed. This gives them access to my personal medical information that I did not sign to give them access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX reporting 9 missed payments. Months are inaccurate. Company ignores my evidence. Monthly payment is {$260.00} a month. Payments were not 30 days late. If payment is due the XXXX and I pay the XXXX  that should not be reported.

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 2021-02-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXXXXXX reporting 9 missed payments. Months are inaccurate. Company ignores my evidence. Monthly payment is {$260.00} a month. Payments were not 30 days late. If payment is due the XXXX and I pay the XXXX that should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
The company was contacted via mail and informed to cease communication after not property validating a purported debt. The company received the notice and still contacted me attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was put on a payment plan but they still call me all the time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
This is the third complaint regarding Rash , Curtis and Associates abusive behavior regarding a collection account that was not mine. After my last complaint I was sent a letter dated XX/XX/2020 that I would no longer be sued for the debt nor would it be reported on my credit bureau. I provided that to XXXX and it was removed. This was based on the documentation provided at the time. Despite the fact that I have provided police reports to the credit bureaus and never was contacted for clarity by Rash Curtis. Two weeks ago I got an alert that the account was back to being reported on my credit after the company sent me a letter stating that it would not be reported. The tactics have become abusive and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX and Capital Auto loan both ran my credit on XX/XX/2019. My twin sister was applying for an auto loan XXXX both these companies ran a check on my credit instead

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance CAS, LLC
State: GA

Complaint narrative:
This complaint is in regards to Alliance CAS, a debt collection agency that was retained by our now former management group whom was terminated for their questionable " professional '' actions. 

Alliance CAS maintains that they have attempted to contact me, their primary case is that it was via email, which twice in one day had to be corrected that they had the wrong email address. ( On a recorded line ). No effort was made in part by this company to contact me and resolve my debt in any formidable way. Not by email, direct phone contact ( they call every few months allegedly and do so from a blocked number. As if any reasonable person answers unknown numbers these days with the amount of robocalls regarding auto-warranty renewals, and they never leave a message ), and not by direct mail either. Their consolidation statement proves that fact. 

Now with that said, no written contact to the debtor is a violation of the FDCPA. All the while of maintaining " no contact, '' this company has been piling on " administrative/oversight '' fees to the absurd amount of {$250.00} a month, quickly tripling the amount of legitimate debt in question in 2 years time. 

This is not the first attempt I have made to resolve this debt either. I contacted this company in an effort to resolve this issue on 2 prior occasions. On one attempt they offered me a structured payment plan that to engage in required a deposit that didn't apply towards the balance but rather increased the balance by {$600.00} just to start a payment plan. On my second attempt, the management company and Alliance CAS took turns passing me back and forth from each other because neither company had a record of who held my debt. 

Frustrated, I now find myself in a hole way deeper than what the legitimate debt is actually for. If you find yourself with a debt in question with Alliance CAS, pay it now or be prepared to contact a lawyer.

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 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX NCA # XXXX I disputed this account with the Credit Bureaus to ensure I followed consumer protocol for credit reporting errors. 
The credit bureaus provided NCA 'S information so that I could reach them directly. In addition, they notified NCA that I disagree and dispute the facts of this account and asked that it be deleted to bring my credit report back to standard. 

XXXX-NCA responded via postal mail stating that they would cease all collection efforts. Ceasing collection efforts mean they would stop reporting this false account to the credit bureaus and other parties they may have reported the information to. I have been told that this can be done immediately via an electronic request. However, I gave them 30 days to make the correction. 

XXXX I Followed up on removal of the account via fax received @ XXXX CST. 
XX/XX/21 Spoke with a rep at NCA who refused to answer any of my questions or concerns. 

As of today, XX/XX/21 NCA is still reporting this invalidated information. Even after they came to terms that this account should have never been reporting on my report. 
Even after they sent me a letter stated that they would request that the account be deleted on XX/XX/21. 

I have suffered due to their tactics and unethical behavior. I am on the verge on losing my ability to obtain my mortgage license and I will hold NCA fully accountable if I do. 

I have enclosed the letter sent to me by NCA, which verifies their claims that they would cease all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX  account belong to someone with similar name. bureau deleted then it came back

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 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank is refusing to honor the Publicly available Promotion it advertised in XXXX, XXXX and pay out the bonus associated with certain deposits made into Eligible City Priority Account Package. The initial denial was based on the erroneous claim made by Citibank that the Promotion 's Minimum Deposit Condition was not met. That claim was withdrawn and replaced with the stipulation that " Promotion Code XXXX was not offered in conjunction with the above account '' accompanied by the request to " provide a copy of the Promotion Disclosure that was addressed to you ''. The Promotion that was in effect in XXXX, XXXX was not by Invitation and was not associated with any Promotion Code. Whatever the Code has been assigned, No Client of the Bank would have a knowledge of it, the Code is not available to Public since the Code is linked to the Account Application by the Citibank on the background of the Account opening process. The last attempt to resolve the dispute produced evermore contradictory statement by the Bank 's Representative in the tune of " your account is not eligible to Bonus because no Code is linked to the Account Package. '' All conditions of the " Citibank_Checking Tiered Offer '' were met by me the " Eligible Customer '' including making and maintaining " Minimum Deposit and Minimum Balance. '' in the " Citi Priority Account Package ''.

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 monetary relief
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I owe a debt ( credit card ), and I had been paying it down for a set of weeks. Once I got up the end of that set of weeks ( {$75.00} per week ), I had to pause my payments. 

The calls started coming within the next day, coming multiple times a day, from a variety of phone numbers. I know it is Portfolio Recovery Assc because I have call screening software on my phone, and it tells me who the number is set to. If I dont get a reading from the app, sometimes I call the number right back and its a recording for Portfolio Recovery Assc. 

If I answer the call, I get told a first name and that Im on a recorded line and they ask for XXXX********. I ask who may I say is calling? This is a personal matter, are you or are you not XXXX******? This back and forth can go on for a minute or two, and they really get menacing, at which point, I hang up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXXXXXX account belong to someone with similar name. bureau deleted then it came back

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 2021-02-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX account belong to someone with similar name. bureau deleted then it came back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2020, I submitted letter to the 3 bureaus.They have never responded. I have attached a new complaint and I would like a response asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd
State: IA

Complaint narrative:
A man calling from this number told me that the call would be recorded, stated the company name and attempted to get me to verify my information regarding a business matter. I asked him several times that Ive never heard of the company ( Nationwide Recover Services ) and to state the nature of the business before I verified any information. He refused several times and has called me 3 times within 7 business days. I asked what the company was, and he kept saying it was a business company. I outright asked if it was a debt collection agency and he refused to tell me. I called the number back to see what the company was, and he answered and didnt specify, once again, despite the fact that I called. I looked it up and of course it is a debt collection agency. They are required by law to report if they are attempting to collect a debt before they ask a person to verify information. They are harassing me and not being transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I had various credit cards with Comenity Bank. They sold a few of those credit card debts to other credit card companies or collection agencies. My accounts were supposed to have been accurately placed in the hardship program that was designed to help us consumers with our repayment of debt. lowering the interest and payment amount. 
under the requirements all of my accounts that were originally with Comenity Bank, were supposed to have been placed in the " protective status. '' I made preset up my payment amounts and dates of payment. to ensure my responsibility of the agreement. to continue to stay elligable for this program. removing some of the ineterest. maintaining and keeping the account in good reporting standing. eliminating some of the interest and mainting the accounts open.because i want to buy my first home. my accounts were placed in the hardship program in XXXX XXXX these accounts were Zales , XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX 
well, they had the misspelling of my name in a couple of the accounts zales and XXXX. They fixed the name on the XXXX and never the zales account. 
the issue of them not fixing the name- caused various issues when attempting to speak to management about the account. they would also have issues bringing up the account inorder to talk to them. the failure of not filling out the form on the representatives end for the hardship program- is why the accounts were sold off to another collections agency. placing my active accounts into closed and sold to collections. damaging my credit and the repair promise of the hardship program. making the purchase of a home impossible. I have sent hand written letters to the Credit bureaus, them as creditors to the customer service department and the dispute department. I have attempted since XXXX of XXXX for these issues to be resolved. we are now in XXXX and i am still being affected by their mistakes. can someone please help me. 
i found oout about the issue in XXXX of XXXX XXXX XXXX became the owner of the XXXX account/debt and i was notified then. i have even requested my account notes and they will not release them. i need to get this fixed. we are in XXXX. PLeASE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
This is my second CFPB complaint against this company. See CFPB complaint # XXXXfiled in XXXX XXXX. Despite letters from credit bureau team and XXXX XXXX in Barclays ' Office of President, this item remains on my credit report. I have submitted the copy of the letter from Barclays instructing this should be deleted to the credit bureaus, but since the correspondence were not sent directly to the credit bureaus, they will not delete. So I submit disputes and call Barclays credit dispute to move and they claim they do not have a copy of the delete letter sent nor the XX/XX/XXXX letter from the office of president. Further I received a letter dated XX/XX/XXXX from Barclays stating that the information being reported is accurate and will not be deleted, completely contradicting the resolution sent to me and CFPB. I have been disputing this matter for two years. It is a clear violation of the fair credit act.

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