vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Windham Professionals, Inc.
State: CA

Complaint narrative:
I had learned in XXXX that a debt to XXXX  XXXX University, which I currently owe was being sent to collections, I called Windham Professionals the collections agency contracted by XXXX to attempt to negotiate the debt down to a level that I could afford, this was denied, the agent at the time told me that I had until XX/XX/2019 to pay before the debt was sent to the credit reporting bureaus. I informed the agent that I would pay the debt on their website before it was sent to collections, I also told him that XXXX could never call me again. 

On XX/XX/2019 at approximately XXXX XXXX PST I received a call from XXXX XXXX at XXXX, Mr. XXXX initially did not give me his full name or company name when asked. I informed Mr. XXXX that I was on the do not call list, to which he said 'it wasn't in the notes. ' I informed Mr. XXXX that I should be placed on the do not call list, that I didn't appreciate the way he was speaking to me, and that I wanted to talk to his supervisor, to which he refused, claiming supervisors were too busy, but that I could hold. Before I was placed on hold I asked for Mr. XXXX to spell his name and give me his license number, he would only give me his name, telling me that I didn't want to " go there. '' I called back to speak to the supervisor, the phone was answered and left off the hook.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc.
State: DE

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
EQUIFAX froze, blocked and/or locked my account without any reason. I never requested this. They refused to rectify that issue. 
They also completely blocked my credit score. 
I could not view any EQUIFAX reports or scores online. 
They blocked my credit score from XXXX XXXX XXXX where I was applying to refinance my mortgage, causing me to lose the rate promised on XXXX. 
I spent three hours a day for three days on the telephone with EQUIFAX attempting to fix my credit report and credit score. It is still not fixed. I can not see my credit score, XXXX XXXX XXXX can not see my credit score, which has prevented me from going forward with my home refinancing. Which is costing me a lot of money. They lie on the phone and say its fixed, but it is NOT. They disconnect calls, everytime I call them, because they do not want to help me. All other credit reporting agencies have complied and given XXXX XXXX XXXX my information. EQUIFAX is refusing with no reason or cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I paid off my lease early and made an overpayment. They will not refund the extra money and said they will put it as a down payment on my next lease. I paid of off 7 months early and asked them to refund the money, they wont. When I call customer service I get Foreign people that you cant understand and refuse to refund the money back. This company is horrible and should not be in business,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I deposited {$8000.00} from my XXXX savings account as they were charging me monthly fees, so canceling that account and deposited the amount directly to my Capital One 360 Money Market account, see transaction below. 

XX/XX/XXXX Preauthorized Deposit from checking account XXXX Transfer {$8000.00} {$41000.00} Capital One is refusing to remove the hold and show the true amount in the account. Either do it, or I will cancel and pully everything from this bank, like I did XXXX and XXXX and bank elsewhere. 

I will not stand for the bank holding on to my money when it was a bank to bank transfer and not a check to hold on too!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. THOSE INQUIRIES WERE NOT AUTHURIZED BY ME, PLEASE CONDUCT A REINVESTIGATION AND HAVE THOSE INQUIRIES REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. THOSE INQUIRIES WERE NOT AUTHURIZED BY ME, PLEASE CONDUCT A REINVESTIGATION AND HAVE THOSE INQUIRIES REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I was a loyal customer of American Express. I use the card for business, and I have an employee who is an " additional card member '' on my account. American Express offered me an " upgrade '' for {$450.00}. Foolishly I accepted. The new card was on the same account with the same account number as before. As far as I could tell, the only difference was the logo on my card. XXXX had already changed logos this year due to their merger with another hotel chain. That logo change did not affect my account, and I could still use my old cards. However, this time, for the sole reason that I paid {$450.00} for this " Brilliant '' program, American Expressed deactivated my otherwise valid cards. There was little warning other than a vague, confusing email giving me very little time to respond. I did respond. I explained my employee was travelling and was dependent on the card. Rather than leave my cards in service - even for the grace period mentioned in the email -- American Express immediately invalidated my additional card member card. I was not even informed, much less warned. The only reason I knew the card was iinvalidated is because I called in later to has how many days were left in the grace period. I was astonished to learn the card had been administratively invalidated. Of course I was outraged. American Express representatives acknowledged it was a mistake but would do nothing to correct it. Finally, I talked to " XXXX '' in XXXX XXXX ( employee ID XXXX ) who confirmed American Express would not correct this error. The result is that my employee has been left in an untenable situation, and my business reputation has been damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was a victim of identity fraud. Some applied for a personal loan using my social security number with the company XXXX XXXX XXXX XXXX. The loan was declared fraud but an inquiry was still put on my TransUnion credit report. I was sent a deletion letter by XXXX that I sent to TransUnion along with a letter that I wrote asking them to remove the inquiry because it was fraud. The inquiry has not been removed from my TransUnion credit report yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The FCRA recently passed a law stating that a person or business must have permissible purpose to initiate an inquiry. Section 604 I have contacted the credit bureau recently and they have not sent me any information showing that I have any of the companies permission to pull my credit. I have asked them to send me documentation or a Copy of an agreement or even my ID showing I have the company permission or that they had permissible cause, and they have failed to do so. I also informed them that an fraudulent address in MD has been used to try and obtain credit in my name. Ive never been to or lived in MD. I havent even visited. 

Accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On Monday XX/XX/XXXX while at work, I have received a welcome to XXXX email. Which I havent opened nor heard of. Right after two transactions of {$500.00} was taken out my account to two different people I dont even know of. I called PNC that same evening/night. While on the phone ; a XXXX amount off XXXX was taken than cancelled. Crazy. The Rep on the phone block all access online. I went to my branch despite everything that I didnt authorize. Even than I was told I had to wait. What I dont get is HOW ALL THIS TIME BEING A CUSTOMER THEY ALLOW A XXXX ACCOUNT TO BE MADE. That should be suspicious activity for all of suppen to have. No one called or anything. The fact I reported everything within hours they basically didnt Care all my money was fraudulent taken. They didnt even credit me anything. I just gotten Paid n Pnc just let my money go. I have all types of security with this back because they allowed my twin to fraudulently take out my account back in XXXX. Now here I go again and they seem not to want to do anything about it but tell me I have to Wait n they may cant give me anything. I have a XXXX year old that I work hard for n to have my money just taken n not refunded I truly dont feel Safe banking with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX has arbitrarily and without notice decided to restrict online access to my mortgage account on the grounds that I have a bankruptcy on record, nevermind that I never stopped paying ( overpaying ) my mortgage and that the bankruptcy was 10-plus years ago ( so long ago that the customer service rep I spoke to on XX/XX/19 could not even find it in the bank 's records ). 
I've always had full access to my mortgage information with XXXX XXXX. This has been valuable for budgeting and planning, showing insurance costs, escrow information and a schedule of future payments. I wanted to see on this day how many payments I had left.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They call my house five times a day. I have asked them to stop calling me. They do not stop. I would like them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
on XX/XX/XXXX I was informed by my mother and sister in law that my son needed money and where to send it. It was late in the afternoon so i went to the bank talked to a representative and she wired 3,500 dollars to the address that my sister in law was told .all before they close. I went to my moms to let her know that i made the transaction.and upon talking to this person that was requesting it I realized that it was a scam and quickly went back to the bank so that they can stop it. While at the bank i was talking to this person over the phone so i know that he had not went to pick it up. I requested that they put a stop on it and let the bank that it was sent to know so it could not be picked up, .What the bank told me is that everything is done with software. they inform the bank and wait for a response from them. there was no way to stop this in real time.. 4 days later they cant even tell me if the funds were released or not If that is there system for handling this type of problem it needs to be updated. They also told me that scamming people is not fraud..I also believed that we were protected under FICA. they advertise that we are protected from fraud and this was fraud.I know that if something was done like contacting the receiving bank at the time i reported it would have stopped it in time. It did not seem like much of an effort was done to resolve this, Hopefully i can get some answers and my money back.I have worked hard to save that up., thank you I have also filed a police report with the county police department which will not be released. It takes 6 to 10 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-12 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: CO

Complaint narrative:
The FCRA recently passed a law stating that a person or business must have permissible purpose to initiate an inquiry. Section 604 I have contacted the credit bureau recently and they have not sent me any information showing that I have any of the companies permission to pull my credit. I have asked them to send me documentation or a Copy of an agreement or even my ID showing I have the company permission or that they had permissible cause, and they have failed to do so. I also informed them that an fraudulent address in MD has been used to try and obtain credit in my name. Ive never been to or lived in MD. I havent even visited. 

Accounts : XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX/ XXXX. XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have gone to the counter at the store and the clerk did not apply credit card payment and it was not applied to my balance ... I was then charged double interest on XX/XX/XXXX ... My credit rating was also harmed by the transaction ... My ongoing balance with Sams club credit card is off by about {$5000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hello, I been talking to Experian by phone about a dispute that they reinvestigated 3 times already, the first report which was created on XX/XX/2019 as it read Account Dispute Opened We have opened your Account Dispute The dispute for the account with XXXX   XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/2019.which at the time I submitted all documents to support my claim, that I sent a certify letter to the address that they was reporting to the and it came back returned with no forwarding address, and the finished their investigation on XX/XX/2019 that read XXXX   XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Show Details | View your Report | View your credit score Deleted then on XX/XX/XXXX, XXXX XXXX XXXX re inserted the account back on my credit report XXXX XXXX XXXX has flagged your account as Collections. 
Accounts in Collections are accounts that are seriously overdue and have been turned over to a collection agency Experian has investigated this matter twice and now the report comes back as verified or XXXX XXXX XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains please look into this matter as I spoke with reps of Experian as they tell me the can find anything that says this matter was deleted from my 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 2019-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Corporation
State: DE

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
I purchased this card last year. I used the card several times. ( A list activation is below along with the transactions that I did make. **see the ending balance of $ XXXX Date Category Amount Running Balance Merchant Details XX/XX/XXXX Value Load -- Activation {$200.00} {$200.00} XXXX XXXX XXXX XXXX, XXXX, US XX/XX/XXXX Purchase Original Sale - {$21.00} {$170.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX US XX/XX/XXXX Purchase Original Sale - {$16.00} {$160.00} XXXX XXXX XXXX XXXX, XXXX XXXX, US XX/XX/XXXX Purchase Original Sale - {$37.00} {$120.00} XXXX XXXX XXXX XXXX , XXXX XXXX , US XX/XX/XXXX Purchase Original Sale - {$67.00} {$57.00} XXXX XXXX XXXX , XXXX , US XX/XX/XXXX Purchase Original Sale - {$13.00} {$43.00} XXXX XXXX XXXX XXXX , XXXX , US Someone had fraudulently used the card to purchase the transactions below on XXXX ( not by myself or any family member ) I have also contacted XXXX and they confirmed the purchases were NOT made by me or my family. 
XX/XX/XXXX Purchase Original Sale - {$30.00} {$13.00} XXXX, XXXX, US XX/XX/XXXX Purchase Original Sale - {$13.00} {$0.00} XXXX XXXX, XXXX, US I sent Blackhawk Network every piece of documentation that they requested. Which was a copy of the card front and back, a copy of the affidavit disputing the charges. A copy of the activation of the card. I even confirmed through customer service that they received this information. I even sent them the email from XXXX where they told me the purchases were not made by me. I attempted to get XXXX to reimburse me the charges and charge it back to the person that committed fraud. 

I then received an email yesterday that told me that I did not send them the required documentation and the purchase receipt for the card. I assure you ( and have proof that I sent this information to them ) They NEVER told me I had to provide a receipt. I purchased the card last year, who keeps receipts from a year ago? How would I know all the transactions and be able to confirm where I shopped if I was not the purchaser of the card? NOW they refuse to respond to me, and additionally when I call their customer service XXXX they have a message where they will not speak with me. The company is Blackhawk Network Holdings , Inc. the website to view the card which is XXXX. They have removed everything related to my card on line and refuse to speak to me by phone. 
This is information from the dispute form. 

Mailing Address : Email : Fax Number : ATTN : Cardholder Dispute Services XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX

Company response to consumer: Closed with monetary relief