vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
My vehicle has been repossessed by XXXX XXXX. I have called them and they told me how much I need to pay to get it reinstated. They will not tell me how long the vehicle is going to be at the place of possession, only that it could be transported to an auction lot in 24 hours. 

I also have NOT received any correspondence in writing that the vehicle has been repossessed. The fees are going to mount. I have a very high interest rate, which I am aware of, however, I just need my vehicle back. I can not afford the {$2000.00}. which they want me to pay due to fees etc. this is my second repossession and all they told me that the next time ( if there is one, I will not be reinstated ). 

I know that I should have received some correspondence and also given a date as to when it could be auctioned so that I can pay for this. I have a job but I can not do my job without a car. I have assets in my retirement account but they can not be released until late XXXX 2018. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: VA

Complaint narrative:
Frequent calls/answering machine messages. ( Too many to document. ) Callers were a mixture of live humans and robocalls. 

Callers never left threats or used bullying tactics, but did heavily emphasize the debt collection nature of the call. 

Callers never used personal identifying information ( i.e., " This is a message for XXXX concerning debt collection. ) Callers were all from National Enterprise Systems.

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 2017-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX has on their website that users of the XXXX card ( which I have ) get XXXX points per dollar spent on XXXX purchases if you use their special " affiliate '' link. So, every time I shop on XXXX, I make sure to click that link. Eventually I noticed that almost none or very few bonus points would show up. 

I have called XXXX, they told me to wait a month. A few months go by and still no points. I call again, and they tell me to call barclay card. I call barclay card and they tell me that I need to call XXXX. I call XXXX, they tell me I need to call XXXX. 

It has been months and I still do n't have a resolution. In addition, XXXX customer service reps have been incredibly rude about this and say things like " maybe you do n't know how to do it correctly ''. 

I spent over {$32000.00} on the card in a few months and the fact that I am treated like this is a joke. I am about to cash in my points and cancel my card, my XXXX service and never use barclay card or XXXX again.

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 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Credit report is locked. I never put a lock on my credit report and I want it taken off. It is stopping me from pursuing a need I want to take care of and dealership and bank ca n't access my credit report cause of this block that transunion has on me. Please remove now

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 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
I have been getting calls fromm NCB Management at my place of employment and I have already set up a payment plan with this company through their website and the first payment had already come out on XX/XX/XXXX of {$75.00} and the next one is scheduled to come out XX/XX/XXXXof {$75.00}. They call my job everyday and I am not getting called into my bosses office about this. I work with kids and I ca n't get away to take these phone calls and if I have a payment arrangement set up and the first payment was already made why do they have to continue to call me like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I am a previous XXXX for XXXX XXXX XXXX ( the XXXX XXXX ), I was terminated without given reason on XXXX XXXX XXXX. I did not have previous write ups or disciplinary action on record, ( I did request my personnel file from HR via email and was told they would let me have it once it was put together and I never received it ) I showed up on the XXXX and was let go. I applied for XXXX benefits on XXXX XXXX XXXX, my former employer disputed it however I was able to send proof the XXXX ( XXXX XXXX XXXX ) showing that the reason they gave wasnt true and couldnt be true. I was granted XXXX benefits on XXXX XXXX XXXX. XXXX stated after investigation that I was not terminated for a reason that is related to misconduct in the workplace. I moved out of my apartment on XXXX XXXX XXXX. Before being approved for my benefits I had already been moved out of the XXXX system without any charges. After I was approved for my benefits the XXXX revised my move out and put a move out date of XXXX XXXX XXXX ( which is not accurate ) and then applied over {$1000.00} in charges on the move out statement and immediately sent it to collections. This act by my previous employer was retaliation against me due to me being approved and receiving XXXX at their expense. This has created a grievance on me that is undue and wrong. I have provided all this information to southern management which is the collection agency that they use and still nothing has been done.

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 2017-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: MIDCOUNTRY FINANCIAL CORP
State: MO

Complaint narrative:
my XXXX XXXX XXXX was fully covered at XXXX  XXXX with a loan. 
that loan was provided with full coverage.the total amount was paid off with XXXX XXXX of XXXX mo.XXXX XXXX  refinanced the loan with full coverage. the motor vechile was hit in a car accident. the car was tottaled. undriveable. this accident was not my valt the other driver was in coming traffic and hit my car. another diseal came up behind my car. the bank repoled my car.at the same time I had XXXX lifetime membership with my car.t this time all companys has been notifed. 
all companys are dening service of insurance.

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 2017-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES
State: IL

Complaint narrative:
I sent a check to payoff my mortgage with Provident funding. They received the payment on XXXX/XXXX/XXXX and they posted it in my account on XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Not sure who this is but they keep sending a recorded message to my job asking for me and reveling personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I recently sent a letter to Ad Astra Recovery Services requesting they provide me with physical validation regarding all account history information Ad Astra conferred to any credit bureaus for me. This was a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 { b } that their claim is disputed and validation is requested. 
This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. Yesterday I received a response letter in the mail from Ad Astra, saying that they " examined '' the account file with their " client '' and determined that the facts in reference to the debt are consistent with information provided by their " client ''. 
They then asked me to send THEM supporting documentation concerning the dispute, however did not provide any actual verification of validation. I contacted the credit bureaus today, who also confirmed that no validation of the debt was sent to them either. Since no validation was provided, I am requesting that all references to this account be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
I have been receiving continuous calls even after I advised them to stop calling me. I have sent them a cease and desist letter which they have completely ignored. They have been leaving message and calling all hours of the day I feel this is now becoming harrassment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
Car was wrecked and was suppose to been covered with XXXX coverage. A payment was never missed. Only had vehicle for about a month. Information on credit report is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: SC

Complaint narrative:
I first discovered I was a victim of ID theft after my wife XXXX XXXX 8 years ago. I filed a police report, and went to court, and have been fighting all 3 of the major credit bureaus since. XXXX and XXXX have cleared the negative items from my files with them. Equifax refuses to talk with me, every time I call I get transferred 2 or 3 times and end up with a special department called consumer affairs, office of the president. 
I never get respect, i never get results. The items i have gotten removed, did not come from equifax 's help, it was in spite of them. Their investigations are ridiculously deficient, they do not ask for internal documents of the company, to see what original information was in these fraud accounts, they allow the companies to change information to match my information today, not when the account was fraudulently opened. The FCRA section 605B, is very clear on what i as a consumer need to do, 4 parts for me, and then, how the credit bureaus are to act after they get the 4 parts from me. 
Equifax has never acted according to the law, they in fact break the law. 
I have submitted proof of my identity, a copy of the ID theft report, i named and identified the fraud items and made the statement i did not open the fraud accounts nor derive any benefits from them. 
I am providing all 4 parts to the CFPB again, to turn over to EQUIFAX, and see if they block these accounts according to the law already named in 4 business days or less, or break the law as they have in the past with lies and their own illegal policies that are against the law. 
I am hoping the CFPB can make equifax obey the law or suffer penalties. 
Do not allow them to claim my police report is out of date, the law DOES NOT require any dates in the ID theft report. The report can be 30 years old and be valid to use today, because you are still a victim and no new report be filed. 
The law, section 605B of the FCRA, allows a credit reporting agency to ADD BACK INFORMATION AFTER THEY BLOCK IT FIRST IN 4 BUSINESS DAYS OR LESS, if they find i provided materially false info to get the block, or that i did open the account in reality, not their thinking it. 
Demand equifax to block all this fraud info in 4 days or less, or suffer penalties for breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: HI

Complaint narrative:
I have received multiple bills from this collection company, but after research have discovered that they are not authorized to collect this debt in the state of Hawaii.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Listed as a fraud victim in XX/XX/XXXX due to in accurate unauthorized items on my credit report. 
I have disputed previously but still shows on my report.

NATIONAL CREDIT SYSTEMS   XXXX XXXX XXXX XXXX 
XXXX, GA XXXX(XXXX) XXXX 
Placed for collection:XX/XX/XXXXResponsibility:Individual AccountAccount Type:Open Account
Loan Type:	COLLECTION AGENCY/ATTORNEY
Balance: $XXXXDate Updated:XX/XX/XXXXOriginal Amount:$XXXX
Original Creditor:	XXXX XXXX XXXX  XXXX (Rental/Leasing)
Past Due: >$XXXX<	Pay Status:>In Collection<
Remarks: 
ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PMAB,LLC
State: LA

Complaint narrative:
Car was wrecked and was suppose to been covered with GAP coverage. A payment was never missed. Only had vehicle for about a month. Information on credit report is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Mortgage will not give me my amount when I call them to how much money was paid into the loan before foreclosed. 

Every time I call them its the run around on hold forever. When some one gets on the line its not even about what I 'm requesting. They always trying to tell me something that has nothing to do with the issue

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 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that Equifax had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that XXXX had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.

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 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that XXXX had experienced a data breach and information was compromised. On XX/XX/XXXX and XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX and several XXXX XXXX and XXXX inquiries were located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX, XXXX XXXX, and XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit cannot be pulled without my authorization and that has not happened. If you take a look at my record these derogatory items keep appearing on my credit report. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.

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 2017-12-14 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:
XXXX  was notified about fraud accounts on my file that fraud, ... .. I submitted the documents to have the account block.The Bureau refused to block the accounts over 3 years..Once the XXXX XXXX account was block and added back on file with my knowledge.When I ask Office Of Consumer Finance about why? My question never answered. Which I had over 13 fraud account that was on XXXX And XXXX that been removed over 3 years ago ... The Bureau had block me from monitoring my credit and do n't give any access to Office of Consumer Affairs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
XX/XX/2017 a debt for medical services I did not get or owe, because I am a retired XXXX XXXX veteran with full medical benefits. And only go to the VA hospital. I got a collection notice by my credit agency after being turned down for a credit card application. I did not know a collections agency can State they are entitled to collect a debt on.behalf of the federal govt. Withhout Verfication of one 's financial.status. Currently I had and do have a fraud alert on my credit and this information still got through. They.wanted me to pay the debt off from the collection agency first before they could remove any negative items. I refuse to pay anything because I do n't any ' medical bills period.

Company response to consumer: Closed with explanation