vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called TransUnion XX/XX/18 regarding data error using the number provided online from free credit report. I was connected to an offshore representative without my knowledge. I was not alerted my call was re-routed to a foreign country albeit to an employee of TransUnion. Because my call was routed outside the US and the information requested included my US Social and other personal data it occured to me my shared data was potentially at risk. I only realized I was talking to a foreign national due to the delay over the phone. I requested to be re-directed to a US based representative. I asked if the call was secure and encrypted otherwise my voice and vocal responses could potentially be hacked/tapped in the foreign country used by TransUnion to re-route my US based inquiry. This may be a common cost saving initiative by all Credit Bureaus but it potentially represents a glaring gap in security because its routed un-encrypted through a foreign telecommunication system. While I was assured Transunion makes every effort to secure information AT its offshore locations this is not a safeguard for interception of call TO those offices in foreign telecommunication systems subject to foreign unknown laws. At a minimum if a call is routed outside the US and representatives are collecting personal data you need to be informed at the outset of the discussion with a representative. This needs to be fixed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accelerated Financial Solutions, LLC
State: TN

Complaint narrative:
I have filed numerous complaints against Accelerated collection Co and there has been no response. I have two cfpb account open # XXXX and XXXX and no response from neither Accelerate collection nor CFPB. This collection that has been falsly reported has now cause my FHA home loan to be denied. I am not doing able to provide my family a new home due to this error and credit abuse. I do not owe this bebt and no proof has shown that I do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account doesn't belong to me. 
XXXX XXXX This account doesn't belong to me. 
XXXX XXXX XXXX This account doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I received a payday/installment loan from Big Picture Loans on XXXX18 in the amount of {$1500.00} ; which was instantly deposited into my checking account. I was not able to fully and completely review The Truth in Lending Disclosures until after acceptance of the loan- BIG mistake. It showed an APR of 474.8487 % ; and the total amount due for the original {$1500.00} loan would total {$7800.00}. I have contacted the company several times to discuss not being able to make these payments and about the extraordinary high APR fees. One representative told me that they will " defer '' a payment for me in order to " catch back up '' ; but that would also incur interest on a daily basis on the total amount due. Another time I spoke with a representative and discussed not being able to pay any further payments and I was told/threatened that if I stopped the automatic payments from being taken from my checking account then they will issue a " remote check '' to withdrawal the entire amount owed. I have made the following payments of {$300.00} : XXXX18, XXXX-18, XXXX-18, XXXX-XXXX-18, XXXX18, XXXX18 for a total of {$1800.00}. I have paid more than what was originally borrowed. I am financially no longer able to sustain these payments and have tried working with Big Picture Loans to no avail- all they have done is postponed payments, adding additional interest to an amount I already can not pay. If you can assist with having this account closed with Big Picture Loans- I will greatly appreciate it. I would just like this account to be closed and considered paid in full and no further withdrawals from my checking account. Thank you so much for your assistance. 
Big Picture Loans contact info : XXXX XXXX XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Completed a Refinance in in Late XXXX on our house serviced through Roundpoint Mortgage that uses XXXX as a third Party Servicer. The RE-FI was done by XXXX XXXX XXXX ( New Loan ). During the process Roundpoint paid the property taxes through the escrow account because they were due, and XXXX XXXX also paid the taxes on the new loan through escrow, using XXXX XXXX to complete new loan. I have confirmed the double payment through XXXX XXXX County Tax Assessor that payment was accepted on new loan through escrow and payment from Roundpoint was sent back for double payment on XX/XX/2018 of {$2900.00}. Because i knew taxes were paid twice I allowed approximately 60 days to process for reimbursement of overpaid taxes by Roundpoint before I started inquiring about the overpayment with Roundpoint. After this time I have made approximately 8 calls to Roundpoint asking for  reimbursement totaling hours on the phone only to get get many variations on what is going on, i have been told by Roundpoint that, nothing is showing owed to me, its under review, still in processing, through conference call with Tax Assessor that it will be overnighted to me on XX/XX/XXXX, to now it will take another 6-8 weeks for reimbursement. Round point has been less than cooperative in resolving this in a timely matter and in truth I believe it is lost in their system. I have researched matter and have documents showing Roundpoint payment on XX/XX/2018, XXXX XXXX   payment on XX/XX/2018, and Tax Assessor payment back to Roundpoint on XX/XX/18 Just looking for help to resolve this matter. 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 2018-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
I owe an apartment complex for breaking the lease early along with some fees. Original debt was around {$5000.00}. This debt collectors has added about {$3000.00} in interest when I dont have a contract with them. Because at one point I tried to work with them they have given up looking for the co-debtor and have now started garnishing my wages for this ridiculous amount and not making the co-debtor pay anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: TX

Complaint narrative:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account doesn't belong to me. 
XXXX XXXX This account doesn't belong to me. 
XXXX XXXX XXXX This account doesn't belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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:
I reached out to Experian XX/XX/XXXX with information that has been on my credit report for awhile and the items does not belong to me i filed a FTC report and attempted to get a police report, but they stated since nothing tangible was taken they couldn't make an official report. I have items on my report that are not being validated I explained to them these items where fraudulent accounts that i did not open. I reached out to XXXX/XXXX the company reporting the accounts and they stated they couldn't find my information on file or it was transferred to a different department in which they didn't know to who. So if that's the case then they can't validate the account is mine Experian responds saying it was verified as mine but i never received any documentation showing I owe XXXX bucks because the documents don't exist. My other issue was a centerpoint account from XX/XX/XXXX its stating i owe XXXX in which i never had an account with them i called and asked them to send me supporting documents and they did't have any of my information in there system and tried to offer me an account i relayed the information to Experian to have this invalid information removed and they say it was verified as mine and i didn't get any documentation nor does the company have me on file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My initial concern was that the point of filing for my ssn appeared to be incorrect when I was attempting to initiate a login for medical information, which prevented me from being able to access that information. The questionnaire indicated that it was using information from Experian. Subsequently I logged into the Experian website to attempt to correct the information, however since this was an ssn related issue, the website indicated I should call a toll free number, on doing so, I was provided a long dialog, but no way to communicate with anyone. When reviewing information on the Experian website, I also found that there was an additional ssn associated with my information. I would like to correct this, however it doesn't appear that Experian is even interested in communicating with the people whose lives they are disrupting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ad Astra Recovery Services Inc
State: CO

Complaint narrative:
I have tried to contact this company and showed them with court documents showing i was incarcerated during the time someone used my identity to open this account it is not mine i was in jail and to remove this due to the fact its not mine i was in jail i provided them with the court documents and they still will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Over a year ago I went into the process of looking into the details of my credit more closely to prepare to eventually purchase a house. I saw an account for a credit card that was apparently opened up, and maxed out. The total reported from the collection company was {$490.00}. I contacted the company- XXXX XXXX- and they sent me a report of the details of the transactions. I saw that the card was only used strictly for cash advances- and when there were no more funds available- the card went unused and eventually closed. Getting the details of how the card was opened, and where it was sent to- it was disocvered that it was sent to the address I was living at previously with my ex-girlfriend- where she at the time still lived. She had access to all my information and based off the the details it appears that she was the one that opened it and used it for cash advances. Since I had proof I no longer lived at that address- and knew that I did not open that account- I filed a police report on XX/XX/2017. On XX/XX/17 I received information from the XXXX Police Dept that my report was approved and would be investigated. I confirmed with the Financial Crimes Unit today that it is still being investigated. However, even after submitting a police report to XXXX XXXX, and formally disputing it online- it still appears on my credit report and I would like it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
My credit report reflects a hard inquiry with XXXX  XXXX on XX/XX/18. I did not make any hard inquiries and have not authorized my credit to be ran for any transactions. After calling XXXX, I was told that my credit was ran at a XXXX XXXX in South Carolina. I have not been to any dealerships or made any inquiries. XXXX has been essentially useless in helping to escalate this issue. My credit report has been negatively affected and somebody obviously has my social security number and other personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Over a year ago I went into the process of looking into the details of my credit more closely to prepare to eventually purchase a house. I saw an account for a credit card that was apparently opened up, and maxed out. The total reported from the collection company was {$490.00}. I contacted the company- capital one- and they sent me a report of the details of the transactions. I saw that the card was only used strictly for cash advances- and when there were no more funds available- the card went unused and eventually closed. Getting the details of how the card was opened, and where it was sent to- it was disocvered that it was sent to the address I was living at previously with my ex-girlfriend- where she at the time still lived. She had access to all my information and based off the the details it appears that she was the one that opened it and used it for cash advances. Since I had proof I no longer lived at that address- and knew that I did not open that account- I filed a police report on XX/XX/2017. On XX/XX/17 I received information from the XXXX Police Dept that my report was approved and would be investigated. I confirmed with the Financial Crimes Unit today that it is still being investigated. However, even after submitting a police report to Capital One, and formally disputing it online- it still appears on my credit report and I would like it to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I made a cash deposit at a XXXX XXXX XXXX XXXX and navy federal refuses to release funds. This is theft and their should not be a five business day hold on cash deposits. When I inquired I was told it was because of XXXX holdings of the funds and of course XXXX  states it is navy federals policy. Basically they are blaming each other and their is no way to reverse the transaction so, now I just have to wait. I know nothing will come from this complaint but it makes me feel better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I called B of A trying to get a replacement card. I believed I did not have the card and had destroyed it. I did not think this would turn into a big problem. Now it has. 
They didn't believe I didn't have the card, which was weird. 
They sent me to fraud to verify me, which annoyed me because the card hasn't been used in almost 2 years. So I go through all of the verification, answering at least a dozen security and personal information answers. 
I know I got everything right. They asked several trick questions. The last question was kind of ambiguous, asking what amount would have been deposited to the account. Do they mean now, or before? I answered from before. Who knows what they meant, but they said I was a fraudster and they wouldn't send me another card. 

I am not a fraudster and they need to send me another card. 

I called the unemployment office to get a new card and they wouldn't help me. But I did talk to a rep who was very helpful in telling me that I was confused about which company the unemployment department had switched from. All I could recall was going to XXXX XXXX. It actually was the reverse. I started with XXXX, and then at the end went to B of A. So, maybe that is why they didn't believe me? Who knows. 

But, think about it. Your credit card is stolen. You call your bank and say it's stolen. They turn that card off and send you another one. Right? Okay, my debit card has been turned off. No one has attempted to use it. They refuse to send me another one. They say I have to go into the branch and beg the manager to get on the phone saying I'm real and I am now allowed to call again for a replacement card. Total discrimination. This wouldn't happen if they didn't think I was a low life on unemployment. I will not allow Bank of America to treat me like this. They are professional criminals and I am an honest citizen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12 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:
XX/XX/XXXX Equifax received a fax from from 29 pages long which pertained to Identity Theft. I faxed over my police report, identity theft affidavit, proof of identity, list of accounts to be blocked due to identity theft, and a copy of 605 b rule. They did not block accounts in 4days they just disputed the items XXXX and XXXX  blocked the items from my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
i do not recognize the account " XXXX XXXX '' represented by Portfolio Recovery. Previous research indicates this charge was initiated in Florida. I believe this account belongs to someone bearing a similar name to me. I do not have knowledge pertaining to this account. I don't know if it is a credit card, a store card like XXXXXXXX XXXX or XXXX XXXX, or personal bank or revolving charge account. I've filed a complaint with XXXX  and it was removed by the credit reporting agency to my account. I filed a complaint with XXXX today. Discrepancies are date opened XX/XX/XXXX, date of last payment I never made XX/XX/XXXX. Date of first delinquency XX/XX/XXXX and date reported XX/XX/XXXX.

Company response to consumer: Closed with explanation