vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP
State: FL

Complaint narrative:
I HAVE CONTACTED US BANK NO LESS THAN 5 TIMES IN REFERENCE TO STATE TO STATE TRANSFER SO THAT I MAY REGISTER THE VEHICLE IN FLORIDA. THE STATE REQUIRED US BANK TO MAIL THE TITLE TO THE AGENCY LISTED ON FL FORM XXXX XXXX.WHICH I FAXED TO US BANK OF XXXXXXXX.18. I ALSO CALLED TO ENSURE IT WAS RECEIVED. INSTED US BANK SENT A LETTER TO THE TAG AGENCY WITHOUT THE TITLE STATING THAT I HAD PERMISSION TO TITLE AND REGISTER THE VEHICLE IN THE STATE OF FLORIDA. THE LETTER WAS NOT SIGNED AND STATED INCORRECTLY THAT I COULD TITLE THE VEHICLE WHEN NO TITLE WAS PROVIDED BY US BANK. THIS WAS MY 4TH TRIP TO THE TAG OFFICE WAITING HOURS EACH TIME TO BE TOLD NO CAN DO. I CALLED US BANK AGAIN TODAY AND ASKED FOR A MANAGER. I WAS TOLD ONE WOULD CALL ME BACK AND THAT NEVER HAPPENED!

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 2018-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NY

Complaint narrative:
I called in today to get the address and telephone number and each employee that I spoke to was very rude and transferred me to the wrong department. Because they new was filing a complaint against them. I did not try to report the employee 's because they are only going to run me around and not get the correct department,

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 2018-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recoveries, Inc.
State: TX

Complaint narrative:
National Recoveries , INC. is the collection agency assigned to my defaulted Fed Student Loan accounts. My XX/XX/XXXX tax refund was offset to the amount of {$2000.00}. When I contacted National Recoveries, INC. on XX/XX/XXXX, they advised me to contact the " XXXX XXXX XXXX '' with the US Department of Education so that I could request a return of my tax refund. On that same day, XX/XX/XXXX, I requested a " hardship packet '' be sent to me because I am facing an eviction, have been served a " notice to vacate '' and according to their requirements stated to me over the phone, would unofficially pre-qualify to get my tax refund returned to me.

It is now XX/XX/XXXX  and I have yet to receive the hardship packet.

I was told that if I did not receive the hardship packet by today, the issue would be escalated but I have no proof or have received no correspondence that that has happened. I have eaten a minimal amount of food and have fallen further into financial trouble. The " XXXX XXXX XXXX '' is really a contracted company called XXXX, and each employee I spoke with over they phone misrepresented themselves as Department of Education employees. Those XXXX   employees are XXXX ( Employee ID : XXXX XXXX ), XXXX ( Employee ID : XXXX XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX   ) and XXXX ( XXXX XXXX  ). All of these employees also stated my current balance at greater than {$23000.00}, which is incorrect.

Also, the website ( myeddebt.ed.gov ), the " XXXX XXXX XXXX XXXX '' website, was offline until today. XX/XX/XXXX.

The XXXX XXXX XXXX also misinformed me about a contact email address. They stated that there was none however, an Official US Department of Education employee names XXXX XXXX, who is a business analyst with the call oversight team, provided me with an email address for them. It is XXXX.

I have made numerous requests, numerous phone calls and have wasted hours of my life trying to compromise with National Recoveries , Inc. and the department they referred me to on XX/XX/XXXX, the " XXXX XXXX XXXX '' or XXXX located at XXXX XXXX XXXX, XXXX, TX. They have intentionally drawn out this process and also, have not had a complaint official or any US Department of Education employee on their site. I asked to speak with one and they only provided me with XXXX  contracted employees.

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 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
I boarded my pet at XXXX XXXX XXXX Hospital in XX/XX/XXXX. We received a call while on vacation saying that our dog needed treatment. We specially declined treatment due to the financial cost ( currently unemployed ). Our contract also states that we would deny treatment. Treatment was administered, upon returning to pick up my pet. I paid for the charge in full. I then disputed the portion of the treatment that was not authorized. One week later our case gets sent to Capital Accounts, a collection agency. I provide them with a copy of the receipt showing the amount paid in full. The remaining disputed portion is between XXXX XXXX  and XXXX XXXX I received a {$0.00} balance from capital account and now I get a call every two days from a different person trying to collect on the disputed debt amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I sent in a request to Equifax asking them to delete a medical collection debt because I never had any knowledge of this account and any medical services that are rendered to me I sign a HIPAA of 1996 notice which does not allow any release of any medical information or medical account information. This form states that my medical information or medical account information should only be discussed with the person that I have given access. I have never given XXXX access to my medical information or medical account information. Equifax is in direct violation of this federal law and I am requesting the debt to be deleted immediately from my credit file. XXXX did not get any permission from me to access any medical information or medical account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
I was told by my discover card that upon their investigation that it was not fraud on my account, but the only thing that they base their facts upon is the facts that favor them. When i submit my facts to the company via fax, mail, email, by phone the company does not take them into consideration, they reply with things that favor them, as if they don't even look at my documents.

I was told that upon their investigation that the physical card was used 4 times near my residence on XX/XX/2016 but i am saying that i never used it and it was physically impossible for me to use it because i was in a different state at that time. If someone used my credit card, I do not know who it was, and its up to police and Discover Card to find out but to blame the charges on me is completely wrong.

I am sending proof of a airline company ticket that, not only the fact of me purchasing it, but the one that states that i actually boarded the plane and flew to another state, its an official proof that has confirmation numbers from XXXX. So if I was in one state and purchases with my credit card were made in a different state- thats fraud, that i as a customer is not responsible for.

I am also sending proof of an official receipt from a Limousine company that i was picked up from a hotel and dropped off at a studio for work in XXXX, WI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Under the FCRA, I request that LexisNexis immediately notify XXXX, XXXX , & XXXX of the folllowing : That the bankruptcy Item US BKPT CT XXXX is deleted from my file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of XXXX, XXXX, and XXXX XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This account should be closed. XXXX XXXX XXXX is the primary account holder on this. It should not be against me or my credit records. My mom has passed away on XX/XX/2018. The debt should die with her. It's the XXXX with your claim she owes over 500. You did nothing on this account you never helped at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: COMMERCE BANK
State: TX

Complaint narrative:
Divorced in XX/XX/2016 and husband was given the travel trailer by the judge of XXXX County, TX. Judge did not make him sell or refinance the trailer. My lawyer had the judge add wording to protect me and my property from debt collection if the debt went to default. 

At the request of Commerce Bank I have located my ex-husbands address, work, and phone numbers and given it to Commerce bank. I found out he sold the trailer to his cousins and told Commerce Bank the name of the couple and area where they lived. Commerce Bank did not go get the trailer. 

Commerce Bank is still posting information on my credit report of past due/ collection/write-off debt and I am afraid the will put a lien on my property or garnish my wages to pay for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
Wakefield and Associates has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Adjustment Bureau, Inc.
State: IA

Complaint narrative:
Collection Agency continues to call my place of employment, and family/friends and harassing me. I have made a written request for them to correspond via email or mail. They continue to call my employer and are causing me financial harm. 

Contact information of Collection Bureau : Financial Adjustment Bureau XXXX XXXX XXXX XXXX, IA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
Security Credit Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
on XX/XX/XXXX, i called Citi and removed 3 " authorized users '' from the account verified by Citi phone call log. The " unauthorized users '' continued to use the card ( without my knowledge ).

XX/XX/XXXX - called Citi and finally was able to get " unauthorized users '' off the account, however, Citi is holding me responsible for the charges of the " unauthorized users ''XX/XX/XXXX - called back to resolve, no resolution XX/XX/XXXX - called back to speak to another supervisor, no resolution XX/XX/XXXX - called back, left voice message XX/XX/XXXX - called back, left voice message XX/XX/XXXX - called back, left voice message

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 monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I contacted Transunion credit, and ask why the reported a 91 point drop in my credit score. In talking with Transunion they would not provide me with a reason why my score was changed. Transunion did state that I had no negative reports on my credit that nothing had changed. My score was XXXX and went to XXXX  in less than a month. I can not get an answer from none of the credit bureau about my drop in scores.

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 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
RentDebt has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I opened a joint auto account XX/XX/XXXX leased under Consumer Portfolio Services. I was not aware that payments were being missed or paid late. The car was then repossessed In XX/XX/XXXX. There is a balance of {$12000.00} on my account. The company has been repeatedly harassing and calling my father and threatening to sue me and take me to jail. Prior to this knowledge of my father being harassed I have enrolled into a debt management plan to clear up the balance. I am both disgusted and angry that they take advantage of people in this way

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are two positive accounts, XXXX and XXXX XXXX XXXX, reporting on my credit report. I have never had an account with either of these companies. I have sent multiple letters to the Bureaus asking them to remove them, but they have failed to comply.

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 2018-05-04 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
NFCU made false threats regarding loan repayment. RE : Improper Debt Collection Practices and Civil charges against NFCU, reported XX/XX/XXXX.

I just found out Today, XX/XX/XXXX, that a suit was brought against Navy Federal Credit Union regarding false threats against debt collection. I originated this signature loan in XX/XX/XXXX and fell behind when I lost employment and had, and still have, reduced income. I am now considered " low income '' - my monthly income is about {$950.00} at this time.

NFCU froze all my electronic access to my online and other accounts.

I am still making a monthly payment. I am in process to renegotiate a settlement amount if possible.

I was never offered, never received a letter, that says I am " eligible for redressable payment '' or was never offered a payment regarding this lawsuit. Am I eligible to receive the {$1000.00} payment? NFCU never offered me any type of payment, even though I have been " harmed '' by their false threats between XX/XX/XXXX and XX/XX/XXXX and they still to this day have frozen my account access.

Am I included in the affected members in this civil action?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLD KEY CREDIT, INC.
State: AL

Complaint narrative:
Gold Key Credit Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
XX/XX/2018 {$720.00} This is the first action Ive taken. The company has sent this balance to a debt collection agency without my knowledge of knowing about the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was shocked when reviewing my credit report and found a bunch of late payments on the dates below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. I immediately paid the account off once i became aware of this.

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 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are two positive accounts, XXXX and XXXX XXXX XXXX, reporting on my credit report. I have never had an account with either of these companies. I have sent multiple letters to the Bureaus asking them to remove them, but they have failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are two positive accounts, XXXX and XXXX XXXX XXXX, reporting on my credit report. I have never had an account with either of these companies. I have sent multiple letters to the Bureaus asking them to remove them, but they have failed to comply.

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 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: FL

Complaint narrative:
The debt sent to the collector was originally from a medical facility. I looked it up, Since I recently got XXXX, I wanted to make sure that it would be paid under SS, I called the original biller. Originally, I had tried several different angles to get the collector to work with me. When I finally called the Doctor/hospital, I found the bill didn't even exist. The debt collector refused to remove it. Spoke to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
I am disputing owing any money to XXXX XXXX. I sent the collection agency representing XXXX a certified letter asking them to send me proof of this debt and have received nothing. I have proof they received my letter of dispute and since they are not willing to provide the proof of debt they claim I owe, I would like any record of this supposed debt taken off each of the credit bureaus they have reported to!

I would also love to see a public apology to all of the current and former customers this company has blatantly ripped off. However with the likelihood of that happening being slim to none, I'll settle for clearing these fraudulent & fabricated claims against me from my credit record.

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Online Information Services , Inc. violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, North Carolina Collection Agency Act, and other applicable state statutes.

Company response to consumer: Closed with explanation