vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
There is a collection company called XXXX XXXX XXXX that has called me and threatened me and they have also sent me a bogus offer to settle a debt which they can not verify or validate. They say that they represent some company called LVNV Funding LLC. I have asked both companies to send me the original agreement from XXXX XXXX showing that i had an account with them and they REFUSE To do it. They are falsely accusing me of having a debt of XXXX that I do not owe. I do not have a contract with either one of these companies but they are trying to harass me and extort money from me and I have demanded that they cease and desist with any collection activity. I am sick and tired of having to go through this with these companies and I am demanding that a full investigation be done into their illegal collection practices when I have requested and demanded that they stop contacting me, stop sending me stuff in the mail and they have threatened to put this on my credit reports without sufficient proof that this is a valid debt and that this debt is mine. I have asked for the original contract and source document and they CAN NOT and or WILL NOT PROVIDE IT. Provide a credit card application with my signature and this can all be settled, you can not because one does not exsist. XXXX XXXX has taken an old unverified debt, wrote it off as a loss then sold it to these two bogus companies for a false collection attempt and I will not stand for this anymore. They just contacted me again today and I have asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
I have a situation with a harassing collector with verification of validation letters, and I am still investigating why they are wanting to collect on a debt that exceeds the amount and the time of the statues of limitation in my state of NJ. 

My finances went out of control, and I have the reason to believe based on collectors standards, any debt charged off from the original institution, is sold pennies on a dollar. 

So if in any case I should pay, it should be above the amount purchased enough for them to attain a fair profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Services Corporation, LLC
State: NY

Complaint narrative:
I Took a {$7500.00} loan in my name from Health Credit Services XX/XX/XXXX for dental work to be done for my husband by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Loan was for completion and balances that were originally began XX/XX/XXXX. The dental work agreement for services was never completed. the agreement was XXXX XXXX, 4-6 XXXX to replace XXXX XXXX, extraction of XXXX # 15, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   # 2- # 14, XXXX XXXX, 2-3 XXXX XXXX XXXX to replace XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX. Total amount balance at time XX/XX/XXXX XXXX was {$15000.00} of which cash of {$7500.00} was paid. On XX/XX/XXXX I took the above loan to pay the difference. The only work that was done through out 5 years was 6 XXXX  to replace XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # 15, 2 XXXX XXXX XXXX XXXX to replace XXXX XXXX My husband is walking around with XXXX XXXX XXXX XXXX, which continuesly fall off and parts have broken because they were to be temporary. He risks infections and XXXX XXXX plus he is not able to chew food properly and is having XXXX XXXX XXXX and XXXX. The dental office was closed XX/XX/XXXX by XXXX XXXX for non payment of rent. Loan payments are still being withdrawn from my bank account for services not rendered. I have spoken to Health Credit Services and they have agreed that XXXX XXXX XXXX is an associate and I also have sent a Dispute Resolution Liability Form to Health Credit Services on XX/XX/XXXX. I have no response from HCS. I've called several times to check updates, to be told that they don't have information for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Ive been a card member for Barclays for almost a year and great payment history and never been late or had any problems using the card now I called twice to have my credit limit increase so I can manage my credit card balance and utilization and I had my credit report pulled twice in one year and I was turn down due to mutiple fraudulent inquiries and I explain to the credit rep that I was a victim of fraud with XXXX XXXX and XXXX ... and she told me I have to wait few months and it was a big waste of my time and I lost 10 points off my credit report due to phony credit limit increase declined

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 2019-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I attempted to set up a checking and savings account on line and was directed to a local branch to complete the process. The branch manager told me that they couldnt establish the accounts because of some derogatory information about me in some system they use. She mentioned XXXX XXXX and XXXX XXXX XXXX. She further mentioned that on XX/XX/XXXX they were instructed to delete that information but refuse to do so. I asked for specifics and was told that could not be provided. I then called the 800 number and was told by them that I was declined because I have a fraud alert I placed on my SSN. This was never mentioned in the branch.

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 2019-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have a letter dated XX/XX/2019 stating that I paid in full six accounts for XX/XX/XXXX. I XXXX XXXX collected the money for XXXX XXXX and the total paid was {$910.00} for the six accounts. XXXX XXXX XXXX notified Equifax on XX/XX/2019 that the accounts were paid in full and needed to be deleted from my credit report. When i called Equifax to make sure these accounts were deleted they told me XXXX XXXX XXXX started an investigations on these accounts on XX/XX/2019. I asked Equifax why would XXXX XXXX XXXX start an investigation on these accounts when they know they were paid in full. Equifax hung up the phone and i called back they kept saying that this would take 30 days to come off my report. I told them i would fax the proof that these accounts were paid in full and needed to be deleted.On XX/XX/2019 i faxed proof to Equifax that these accounts were paid in full and needed to be deleted from my credit report. I called Equifax at least six times trying to fix this problem and it still shows on my credit report a collections for XXXX XXXX XXXX in the amount of {$130.00} that was already paid in full. More than 30 days have passed since they were notified by XXXX XXXX XXXX that the account was paid in full an needed to be deleted. I notified them again XX/XX/XXXX by fax, so they have been notified twice that these accounts are paid in full and must be deleted from my credit report. Equifax is breaking the law reporting that i have collections with XXXX XXXX XXXX when i do not. I expect this government agency to hold Equifax accountable for their criminal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: NC

Complaint narrative:
I have tried to resolve an issue with Equifax for a coupe of years now. I even contacted you guys ( case # XXXX ).  XXXX XXXX 's Hospital, doctor, ambulance, etc is still reporting on my credit. Also XXXX XXXX XXXX. Every time I file a dispute they want me to send my Identification thru mail. I am SICK of mailing my DL and SS info to these people. PLEASE HELP!!! My XXXX is Over 100 points higher than Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Collection was incorrectly sent to Jefferson Capital Systems from XXXX after XXXX had agreed to nullify my contract after I moved to a location where XXXX did not provide service. Jefferson Capital aggressively and repeatedly contacted me asking me to pay this debt when I explained to them that it was not valid ( according to XXXX 's own contract ). The last time I spoke with Jefferson Capital, I offered a resolution which they refused. Now they are reporting this account to the credit agencies and using it as leverage against me. I am very disturbed by their lack of reason in this matter and now it is unjustly affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
Repeatedly sent letters disputing all 8 accounts listed with Midland credit management. They are breaking fair debt collection practices by not responding accordingly to my letters. I asked for appropriate information within the time frame by certified mail, but they just keep sending more debt collection letters. I'm also being sued for the XXXX  XXXX account after they said they would take it off my credit report on XX/XX/2019. I feel this company is getting away with breaking this debt collection practices and NO ONE CARES!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX my family moved out of XXXX XXXX at XXXX XXXX XXXX. On XX/XX/XXXX & XX/XX/XXXX IQ Data International contacted both my husband and myself via telephone about a debt we were unaware we even had from XXXX XXXX. IQ Data has accused me 3 times of lying about receiving their mail. I can't make someone believe me that I'm telling the truth. I have not been able to verify the validity of this amount with the company who has sent me to collections and I've emailed them twice and called multiple times and no answer. I have no proof of the validity of debt. I have simply asked them to resend their letters with a full accounting and informed them that until that time I will exercise my right to dispute the debt. This infuriated the customer service person who called me today. He told me that if they send me a letter what's to say that I won't lie about getting it. They previously told me that they are marking this account as " refuse to pay '' and reporting it to the credit bureaus.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Repeatedly sent letters disputing all 8 accounts listed with XXXX XXXX XXXX. They are breaking fair debt collection practices by not responding accordingly to my letters. I asked for appropriate information within the time frame by certified mail, but they just keep sending more debt collection letters. I'm also being sued for the credit one account after they said they would take it off my credit report on XX/XX/2019. I feel this company is getting away with breaking this debt collection practices and NO ONE CARES!

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 2019-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I leased a vehicle from this company that was a total loss on XX/XX/2014. This company is stating that I still owe money when car was paid off by gap and insurance company. I have never received any written notification about the charges and when I call and ask for info they never send it. I am trying to get this bad debt off my credit. Santander Consumer Usa will not provide any info for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Last week around or about XX/XX/2019, XXXX XXXX employee cashier told me that XXXX XXXX card is a soft inquiry. I applied on cashier 's little machine and denied. 
Next day, on XXXX XXXX, a hard inquiry showed up for XXXX XXXX Wells Fargo. 
I filed a complaint with CFPB and told they responded and argued and argued against me- I told Wells Fargo , there is no law that says you can lie to consumers. Consumer Fraud. 
I was sold on a XXXX XXXX card for a soft inquiry and got nailed for a hard inquiry that really hurts my credit. 
XXXX XXXX card is thru Wells Fargo. 
There is no law to support their claim.

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 2019-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened a PNC Virtual Wallet with Performance Select account and funded the account on XX/XX/2019. PNC was running a promotional offer at the time where depositing {$5000.00} and peforming 10 debit card transaction would result in a {$300.00} bonus. The bonus was meant to be payed out 60-90 days after all conditions were met. 

On XX/XX/2019 after meeting all requirements I contacted PNC through secure message and asked them about when the bonus would post to my account. On the same day PNC responded saying funds would post in 60 days and to give them some more time.

On XX/XX/2019 I contacted them asking for the bonus. Again, I was told to wait a little more time for the bonus to post to my account.

On XX/XX/2019 I contacted them asking about the bonus. Now I was told the {$5000.00} deposit I had made does not qualify as it was not a direct deposit of the type they were expecting. 

At this point in time my money had been tied up with PNC for an extended period of time and PNC had committed fraud - stringing me along for months when they should have made their terms clear back on XX/XX/XXXX. They had access to my funds for half a year. 

I contacted PNC letting them know this was unacceptable and they brought in their retail escalation department. I had several conversations with a representative ( 'XXXX ' ). After reviewing my case the representative stated that PNC was going to pay the bonus despite not meeting their direct deposit requirement. Some paperwork had to be completed and she would get back to me in a couple of days. 

XXXX never contacted me again. I left several voicemails asking her to call me back and never received a callback. Finally months later I contact the retail escalation department and a different representative said he would look into the issue. His response after investigation was PNC was not going to pay out the bonus they had promised. PNC seems to have conveniently forgotten the conversation I had with XXXX. 

Additionally all my secure message correspondence showing PNC fraudulent behavior stringing me along for months has been deleted from my secure message account. Luckily I had the foresight to save the correspondence. I have attached it below.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My daughter has not lived here for almost 6 years. They keep calling me to get in touch with her a bout a bill. I have told them at least 50-60 that she doesn't live here. I have given them her number. I have asked for someone in the US. I have asked for a manager. I have threatened lawsuits, and I have been told that i would be taken off of their call list more times than I can remember. I have also been on the national do not call list for over 10 years.Absolutely nothing will stop these people. I have been a customer of theirs for over 20 years, but it will be coming to an end soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SN SERVICING CORPORATION
State: CO

Complaint narrative:
On XX/XX/2019 I verbally requested and also faxed a request to XXXX XXXX for a transcript of all conversations and also all correspondence between S & N and us. She transferred me to XXXX who informed me that they would not do that without a request from a lawyer. Our HUD advisor told us it was not necessary to have a lawyer and it was our right to receive this information. As of XX/XX/XXXX it will be 30 days since request was sent and I demand that this information is sent to us within the 30 day guideline. XXXX can be reached at XXXX XXXX or XXXX. We have made several offers take care of this. We were totally unaware that they continued to charge us 10 % interest during the time post bankruptcy that this loan was dismissed. We had tried several times to get the loan interest lowered which at the time loans were at 3 % but we were underwater with the loan as the home market plunged within months of this loan. This is what forced us into bankruptcy. These greedy banks have been unreasonable. Our loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XX/XX/XXXX, I took a balance transfer from Citicards for {$2400.00} at 0 % interest until XX/XX/2020. The wording of the terms was constructed so that the terms of repayment were at best unclear. Recently, speaking to various Citicards staff, it was now made clear to me that higher interest rate activities would be paid off first on a monthly basis, and the lower rates last. Since my balance transfer has 0 % it receives only the minimum every month. In order for me to pay the transfer by XX/XX/2020, I will need to pay off all purchases and keep only the balance transfer amount so that my payments will be totally applied to reduce the balance. My understanding of the terms was that my monthly payments would be applied to the balance similarly to purchases. When applying for the transfer, their staff reads a script which is technical and wordy distracting your attention and understanding. I can not help but believe that Citicards ( Citicorps ) is engaging in fraud. The purpose of a balance transfer is to payoff other cards and to use just one. Citicards has created a win-win situation. If I use their card, my balance transfer is barely impacted by payments, and in XX/XX/XXXX they can impose their interest.

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 2019-10-03 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have an issue with Chase regarding them incorrectly saying that I was late. I opened a complaint with you number XXXX. In XX/XX/XXXXthe company agreed to remove the late status. The company never did remove the late status and it's still on all of my 3 scores.

Company response to consumer: Closed with explanation