vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TriVerity, Inc.
State: AZ

Complaint narrative:
I am currently enrolled in a debt consolidation program with XXXX XXXX XXXX, who has been wonderful to me. One of my accounts enrolled in the program is a personal loan from XXXX XXXX XXXX ( XXXX ). Today, XX/XX/XXXX, I was contacted by their debt collection agency, known as CU Recovery in Minnesota. The individual, XXXX XXXX, took it upon himself to contact my girlfriend and my girlfriend 's sister ( whom which I don't even have her number ). This, to the best of my knowledge, is not only extremely unprofessional and unnecessary, but illegal and not allowed by an agency. I have made payments to my debt consolidation perfectly for nearly a year now, and negotiations were already underway with this creditor. For this man to do this is unbelievably rude. Clearly, he had to do some serious digging to even get her number, which again I myself do not even have. 

In light of this, I would like to submit a formal complaint on CU Recovery and XXXX XXXX for this absurd action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I made a payment of prepayment of the coming bill due. I switched to XXXX on XX/XX/XXXX. XXXX sent me a bill for XXXX dollars for billing for XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. 

I canceled my service on XX/XX/XXXX with XXXX. 
I have proof of this. Yet they refuse to adjust the bill and now a debt collector has called me in regard to this Fraud bill

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have no knowledge of the following accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a bank account at a bank that was closed about two years ago because of fraudulent activity done through my online banking which I did not do I want to get down to the bottom of it they said they did an investigation but never let me know now it's stopping me from opening an account at any other bank can you 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 2020-01-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I created a free account with Experian and checked my credit report for the first time. I was unable to get a credit score because my credit report has no accounts as I have never applied for credit. However, there were some addresses that were on my credit report that I have never lived there. And there were 5 collections account present in my report from companies I have never received services from or permitted anyone to use my name. I was informed by XXXX XXXX police department that these accounts are fraudulent and i was given resources to report this. I filed a police report and some other reports to protect my identity. Here are the fraudulent Collections information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX   AT XXXX XXXX  XX/XX/XXXX Here are the fraudulent addresses : XXXX XXXX XXXX XXXX , XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , TX 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 2020-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX tD bank payed a check against my account without funds available that made my account negative for approximately {$1500.00} without the account having overdraft protection. Other transactions went in and from XX/XX/XXXX-XX/XX/XXXX that have charged me more that 14 overdraft fee for {$35.00} each almost {$500.00} in two weeks. 

I believe it was bad faith on their behalf and there should be a control over how many overdraft can be changed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-04 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: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Quicken Loans Improper Practices On or about XX/XX/2019 I had put my name in XXXX XXXX. The banks that called me said they do income verification via bank statements and tax returns. I received a call from Quicken Loans and a man said sir we are the largest bank in the US. He then passed me to a loan person named XXXX XXXX. She said she had to run my credit but I told her I really didnt want that. When I said I was income verified thru a bank statements she said yes we can do that but I have to run your credit. I then consented based on her representation. The next thing I know is she pulls my credit and the changes her story to we do not do those loans but for her to get my SS # she lured me in by consenting that quicken did. I then said based on you duping me which is a form of fraud, that I demand you delete the hard credit run. She then passed me to XXXX XXXX of Qucken who then said he cant do that. I have experience already that when something happens or you were wronged a bank has access to be able to notify and delete. Quicken simply did not want to remedy their poor practice of deception to lure the SS # from the new customer and fraudulently obtain my SS for hard run. To make matters worse, after I told them I would file a complaint if they didnt make this right they called me countless times saying this is recorded asking me for new loans from different names and different caller ID. Even using local area codes to avoid spam blocks. 
I then have asked all the higher ups for the copies of the recordings and they say I cant have them because they are Quickens property. 
This is an absolute disgrace to the consumer and I hope this doesnt happen to any Americans. Quicken is brazen in that they actually bring you to file the complaint and have not the care in the world since they are, as they say the largest bank in the US,  sir

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a complaint involving XXXX XXXX. They have charged off my account # XXXX and sent it to Experian and XXXX for {$15000.00} but yet sent it to XXXX XXXX XXXX XXXX and their saying I owe {$13000.00} a difference of {$2000.00} but I also know they resold it at an auction because the last time a representative spoke to me they said if I didnt pay by the end of XX/XX/2019 they would resale it at an auction. I also have proof but cant attach paperwork.

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 2020-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I requested my account to be closed in early XX/XX/2019 and Navy Federal did not close my account which one of the representatives said was due to processing time. By the account being left open according to the information given by the representatives they stated the account accrued multiple overdraft charges which resulted in multiple overdraft fees which I found highly unfair and poor practice. Furthermore, my account has been satisfactory without overdraft issues for a very long time, however, my wife overdrawn her account which is separate than mine and according to Navy Federal it  was set up at the time at the branch for me to have the ability to transfer funds into her account if need be. Navy Federal instead of using my account as overdraft protection allowed her account to overdraw and charged her overdraft fees and when she decided that was unfair and not to use the account any longer Navy Federal waited almost two weeks then transferred money out of my account without notice and the result was my account went low and caused overdraft fees. I asked is " joined '' to her account why wouldn't it overdraft protect her account if I am responsible for it or why wouldn't someone inform me that money is going to be taken out of a separate account and no one could have a clear answer as to why this occurred. I think its a crime to say my account can overdraft protect an account but then don't overdraft the account which caused overdraft fees on both accounts. I want to explore all my options in regards to how this scheme takes advantage of individuals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: TX

Complaint narrative:
On XX/XX/XXXX, I created a free account with XXXX and checked my credit report for the first time. I was unable to get a credit score because my credit report has no accounts as I have never applied for credit. However, there were some addresses that were on my credit report that I have never lived there. And there were 5 collections account present in my report from companies I have never received services from or permitted anyone to use my name. I was informed by XXXX XXXX police department that these accounts are fraudulent and i was given resources to report this. I filed a police report and some other reports to protect my identity. Here are the fraudulent Collections information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX AT XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX   AT XXXX XXXX XX/XX/XXXX Here are the fraudulent addresses : XXXX XXXX XXXX XXXX , XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , TX 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 2020-01-04 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: TX

Complaint narrative:
On XX/XX/XXXX, I created a free account with XXXX  and checked my credit report for the first time. I was unable to get a credit score because my credit report has no accounts as I have never applied for credit. However, there were some addresses that were on my credit report that I have never lived there. And there were 5 collections account present in my report from companies I have never received services from or permitted anyone to use my name. I was informed by XXXX XXXX police department that these accounts are fraudulent and i was given resources to report this. I filed a police report and some other reports to protect my identity. Here are the fraudulent Collections information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX AT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX AT XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX   AT XXXX XXXX XX/XX/XXXX Here are the fraudulent addresses : XXXX XXXX XXXX XXXX , XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Franklin Collection has harassed me and added illegal information about owing a debt in the amount of {$170.00} to my credit reports. I have never made a agreement with this company for this service. As recently as XX/XX/2019, when requested documentation under FACTA law, I was ignored. I was provided no agreement, contract, or sufficient documentation in order to validate this debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I.Q. Data International, Inc. sent me a letter on XX/XX/XXXX stating that I owe a balance of {$910.00} from the XXXX XXXX ( NV ). I showed a zero balance after vacating the apartment on XX/XX/XXXX and even received a refund because I gave proper notice. This debt collection agency advised me to get a letter or written documentation from the apartment manager. On XX/XX/XXXX, I went to XXXX apartments to get documentation. The apartment manager told me they do not provide that but that I could call them back and let them know that I will send a copy of my refund stub as proof. So I had my mother speak this time and the first person she spoke to ( agent XXXX ) was very unhelpful saying that this would not be sufficient and that they are already sending me to collections. This upset my mother who stated she would file a complaint and the representative was even more rude saying to go ahead and file. She then called back and spoke to a Supervisor, XXXX, who immediately began speaking with an attitude before my mother could explain the situation and told her that she is disconnecting the call since my mom was planning to file a complaint. She then hung up on my mom without even giving her an opportunity to try to resolve anything. This is totally unacceptable behavior. I then called the Corp office for XXXX and they are going to research this issue, but in the meantime, this debt agency is abusive and should not be sending me to collections for something I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I received a telephone call from Credit Collection Services advising of an outstanding balance owed to XXXX, in the amount of {$1900.00}. I have a written statement advising of same. I instructed them that it wasn't accurate and that they needed to rectify the situation and provide the correct amount before I discuss the matter further. The representative insisted that it was the correct amount, and if there was an issue, I needed to contact XXXX. I told them that because they were contacting me, the onus is on them. They refused.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX is reporting on me and my husbands Equifax credit reports that {$3300.00} is owed but the account was resold at auction. XXXX XXXX was supposed to send us proper documentation of their Right of Redemption : including amount of outstanding balance, deadline to redeem the loan, method by which to redeem or payoff Notice of sale : Intended date, time and location of sale of vehicle at auction. A description of how I can obtain an explanation of how proceeds of sale are applied to debt obligation and contact info to find out more information about upcoming sale. 
Post sale notices about if vehicle was sold being provided with account of how proceeds were applied. 
They havent provided me with the information that they were supposed to provide me with. It is my right to know what happened to said vehicle and why am I still been charged when I am not in possession of said vehicle. No docs about how much vehicle sold for, when or where it was resold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have a PayPal Credit account where my FOUR payments are missing. Multiple attempts were made to resolve with PayPal Credit but no satisfactory reply despite I have a proof of payments via checking account bank statement.

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 2020-01-04 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 — Problem with personal statement of dispute
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
Amerihome mortgage wasnt my originating lender. My loan was sold to them. I sent my mortgage payments in two increments. They returned the checks and said that they can only accept payment in the full amount. This was never relayed to me prior to them taking over my loan. They then reported my payment as late to my credit report even though I sent them the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
CREDIT CARD WAS OPEN IN MY NAME I HAVE STATED THIS TO NAVY FEDERAL MANY TIMES

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX wasnt my originating lender. My loan was sold to them. I sent my mortgage payments in two increments. They returned the checks and said that they can only accept payment in the full amount. This was never relayed to me prior to them taking over my loan. They then reported my payment as late to my credit report even though I sent them the full amount.

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 2020-01-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I visited XXXX to obtain my Experian credit report. Experian is not currently listed as an option on ( XXXX is listed twice ) which seems to be a violation of the FACT Act. I submitted requests on both the Experian and XXXX  sites but have not received any response. Will you please require the site to list all three?

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 2020-01-04 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: NV

Complaint narrative:
There are accounts and a Bankruptcy on my credit report that aren't mine. Please remove 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 explanation
Consumer complaint received 2020-01-04 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Credit Acceptance is reporting on me and my husbands XXXX credit reports that {$3300.00} is owed but the account was resold at auction. Credit Acceptance was supposed to send us proper documentation of their Right of Redemption : including  amount of outstanding balance, deadline to redeem the loan, method by which to redeem or payoff Notice of sale : Intended date, time and location of sale of vehicle at auction. A description of how I can obtain an explanation of how proceeds of sale are applied to debt obligation and contact info to find out more information about upcoming sale. 
Post sale notices about if vehicle was sold being provided with account of how proceeds were applied. 
They havent provided me with the information that they were supposed to provide me with. It is my right to know what happened to said vehicle and why am I still been charged when I am not in possession of said vehicle. No docs about how much vehicle sold for, when or where it was resold.

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