vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I have sent multiple emails to this address listed in this companies website. However I have had no response in trying to verify this debt. This debt has been paid and still no response that the debt was even owed to begin with. It is reporting with missing and in updated information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/17 disputes sent through all credit bureaus regarding closed accounts still reporting on credit report after discharged bankruptcy. XXXX responded saying the account information is correct. All closed accounts should be removed as they are no longer my responsibility to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting incorrect information for my XXXX is different than all other credit reporting agencys they are also not reporting the cards that I am authorized to use please report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Diversified consultant ( bill collector ) calls me and go through the usual acknowledgment process. I tell them I am not interested in taking care of the bill. They would say okay be we are just trying to keep this bill from going on your credit. I told them to let it go on there and they said okay we will remove your number. I have over 7 to 10 blocked numbers from them and the lastest block is from today at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX MADE PAYMENT XXXX ON XX/XX/XXXXTO BOA XXXX XXXX XXXX XXXX One XXXX XXXX XXXX XXXX, New York XXXX BUT BOA CLAIMS BOA DID NOT RECEIVE PAYMENT WHICH MAKES PAYMENT LATE.

THERE IS NO ONE TO CALL AT BOA BECAUSE BOA ONLY TAKES APPS AND I DONT HAVE A CELL PHONE.

I NEED CURRENT STATEMENT AND XX/XX/XXXX STATEMENT AND I NEED TO KNOW THAT MINIMUM PAYMENT WAS RECEIVED ON TIME. AND I NEED SOMEONE TO CALL NOT SOMEONE TO TEXT. IF BOA WANTS TO DEAL WITH A COMPUTER NOT A PERSON DONT DEAL WITH ME, BOA. CHANGE HOME ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2018-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
The company is attempting to collect a dept for my XXXX credit card. They call me about 20 times a day and about 3 of those calls have come after XXXX. I have asked them to stop calling so much and not so late only to be cussed out and called a deadbeat loser who cant pay bills!! I want this harassment stopped by them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX 2017 - Customer Service Credit reps XXXX ( Employee ID  XXXX ) and XXXX refused to acknowledge the discrepancy in the credit card balance reporting being sent to me. I had proof that I was not receiving a past due amount for months but they refused to be of assistance. I disputed the payment with the card company, paid off all balances and closed my account since summer of last year. However, my credit score has been diminishing month over month for no apparent reason. I could n't believe that for {$12.00} ( which they claimed I was notified that I owed ), my credit score was affected by 50 points and service reps refused to do anything about that. This is cyber bullying they tried to threaten me that while they will be reducing my score even further because of the account closure, they will be checking my score again if it ever needed to be reactivated. The company knew they were wrong and refused to take responsibility. There is fraudulent activity on my account and I would like to understand why my score keeps diminishing. There is no other activity that comes to mind.

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 2018-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I was wrongfully evicted from my apartment in XXXX XXXX XXXX in XXXX, Tx. I was able to get another apartment in my name over the next two years without any issues. When I applied for a job in the summer of XX/XX/XXXX I was denied because I had {$6900.00} in debt from a collection from XXXX XXXX XXXX in XXXX, Georgia. I assumed that XXXX XXXX XXXX sold the remainder of the lease to XXXX XXXX XXXX. This collection agency directly prevented me from getting this position I was applying for, and other apartments later in life, and they have never reached out to me to verify the debt. They have never tried to contact me in regards of anything concerning this proposed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
HAVE BOA WRITE ME BY USPS MAIL WHETHER OR NOT I MET MINIMUM PAYMENT FOR MY CREDIT CARD AND CONFIRM MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX AND I NEED TO KNOW IF BOA TAKES THE MINIMUM FROM MY CHECKING TO PAY MINIMUM AND I NEED SOMEONE TO CALL AT BOA. 

BOA ONLY WANTS APPS TO CONTACT. BOA DOES NOT DEAL WITH PEOPLE, ONLY MACHINES. 

DONT DEAL WITH THIS BANK. IT 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 2018-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I checked my credit report when the XXXX breach happened. XXXX  gave me a free XXXX XXXX protection plan. I then requested a free annual credit reports from XXXX and XXXX. I noticed a few accounts that were opened fraudulently. I disputed these accounts a few times. 


PORTFOLIO RECOVERY A - collection for {$370.00} XXXX XXXX XXXX, XXXX XXXX XXXX VIRGINIA XXXX XXXX PORTFOLIO RECOVERY A - collection for {$420.00} XXXX XXXX XXXX, XXXX XXXX XXXX VIRGINIA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: MA

Complaint narrative:
I checked my credit report when the XXXX breach happened. XXXX  gave me a free XXXX XXXX protection plan. I then requested a free annual credit reports from XXXX and XXXX. I noticed a few accounts that were opened fraudulently. I disputed these accounts a few times.

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 2018-01-13 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: Receivables Management Partners, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX bought a old collection from XXXX XXXX XXXX it is on all 3 of my credit bureaus I called and spoke with the supervisor who seem worked up when I asked her questions about 3 accounts 1 major account in particular which is account number XXXX opened on XX/XX/XXXX she modeled me she didnt have to send out and notices about the contract/services I may have received this call was taken place on XX/XX/XXXX at about XXXX-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I called and asked for a goodwill adjustment on my account due to CareCredit being reported as late. They are refusing to grant this I mistakenly missed a payment in XX/XX/XXXX and XX/XX/XXXX due to some family issues but have not had any late payments prior to that or since catching up in XX/XX/XXXX. As of XX/XX/XXXX, I have paid the balance completely off. I called on XX/XX/XXXX to ask for a goodwill adjustment but was denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13 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:
Following inquiries on my report are not mine and fraudulent ... 

Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2018-01-13 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: GREAT LAKES
State: OH

Complaint narrative:
XX/XX/17 disputes sent through all credit bureaus regarding closed accounts still reporting on credit report after discharged bankruptcy. XXXX  responded saying the account information is correct. All closed accounts should be removed as they are no longer my responsibility to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: Byrider Franchising, LLC
State: OH

Complaint narrative:
XX/XX/17 disputes sent through all credit bureaus regarding closed accounts still reporting on credit report after discharged bankruptcy. XXXX  responded saying the account information is correct. All closed accounts should be removed as they are no longer my responsibility to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
THE LONG AND SHORT OF THIS IS THAT XXXX XXXX XXXX IS DINGING ME FOR UNDER PAYING XXXX DOLLAR, IF YOULL LOOK AT ALL MY LEASE WITH FORD, IVE EITHER OVER PAY THE LEASE PAYMENT OR PAID EARLY, IT SO HAPPEN THAT I WAS A LITTLE SHORT ON FUNDS ONE MONTH SO I ALWAYS GO INTO MY BILL PAY ONLINE BANKING AND PAID WHAT THE BILL SAID, UNFORTUNATELY ONE MONTH I PAID I THINK IS WAS LIKE XXXX SO THE NEXT MONTH I WHEN ONLINE BANKING WENT DOWN MY LIST AND PAID AS I DID THE MONTH BEFORE, AND FORD MADE IT A POINT NOT TO CONTACT TILL THE 31 DAY TO SAY XXXX XXXX YOUR SHORT XXXX DOLLAR, WHEN I ASK WHY THEY DIDNT CALL ME THEY SAID WE DONT BOTHER OUR GREAT CUSTOMER, AND I SAID SO YOU WAITED TILL THE 31 FIRST DAY TO SAY AM XXXX DOLLAR SHORT SO YOU CAN DING MY CREDIT IF YOULL LOOK AT MY HISTORY YOULL SEE WHAT AM SAYING IS TRUE AND SHOULD BE CORRECTED THANK YOU FOR YOUR TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
when to get my money out the bank refuse to give me my money because I did know the names of my business I was and a very car accident over a year half ago and I forgot I have that account but I gave my social security number and it was the same account and along with my identification

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: CA

Complaint narrative:
My previous complaint : XXXX - was NEVER addressed! Just passed through. I STILL can not access my credit reports/score. I can not get anyone from this XXXX bureau to answer or respond. I can not refinance my house or anything, because companies can not pull XXXX! This is Ridiculous!! I DEMAND a FULL REPORT and SCORE be sent - and not an old one either. I DEMAND whatever freeze XXXX they have placed, be removed IMMEDIATELY! 

I am a HUGE victim of fraud. I have Fraud alerts on all bureaus, and now XXXX is trying to mess with me. I have filed several complaints through CFPB ( absolutely no help ), and disputed several times in the past. Now, my file is within the " special needs '' department and I can not reach a live person, EVER! I can not access my reports through their portal, but yet, i am still being charged {$19.00} monthly. I am needing a home loan, and I can not access my report!! I have no access, can not receive a copy of my credit report, my score - NOTHING! Why? All because I disputed almost EVERYTHING on my last report back in XXXX 2017, and reported them several times to the CFPB. PUNITIVE! XXXX has always had the wrong information for me, old addresses, old information on my credit cards ( over 6 months, on most cases ) AND their outsourced agents are the worst! Can not understand them and they can not help me at all. I have submitted copies of my CDL, social security card and anything else they have requested, no response, no help! Funny part is, they continue to send me emails with BOGUS inquiries on my credit file!! My file is supposedly not available, so how can I be incurring inquiries???? CFPB needs to get off their XXXX, and do what they claim to be about. We, the public, are at the mercy of these crooks! All 3 Credit Bureaus are crooks and hold us all hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My previous complaint : XXXX - was NEVER addressed! Just passed through. I STILL can not access my credit reports/score. I can not get anyone from this XXXX bureau to answer or respond. I can not refinance my house or anything, because companies can not pull XXXX! This is Ridiculous!! I DEMAND a FULL REPORT and SCORE be sent - and not an old one either. I DEMAND whatever freeze XXXX they have placed, be removed IMMEDIATELY! 

I am a HUGE victim of fraud. I have Fraud alerts on all bureaus, and now XXXX is trying to mess with me. I have filed several complaints through CFPB ( absolutely no help ), and disputed several times in the past. Now, my file is within the " special needs '' department and I can not reach a live person, EVER! I can not access my reports through their portal, but yet, i am still being charged {$19.00} monthly. I am needing a home loan, and I can not access my report!! I have no access, can not receive a copy of my credit report, my score - NOTHING! Why? All because I disputed almost EVERYTHING on my last report back in XXXX 2017, and reported them several times to the CFPB. PUNITIVE! XXXX has always had the wrong information for me, old addresses, old information on my credit cards ( over 6 months, on most cases ) AND their outsourced agents are the worst! Can not understand them and they can not help me at all. I have submitted copies of my CDL, social security card and anything else they have requested, no response, no help! Funny part is, they continue to send me emails with BOGUS inquiries on my credit file!! My file is supposedly not available, so how can I be incurring inquiries???? CFPB needs to get off their XXXX, and do what they claim to be about. We, the public, are at the mercy of these crooks! All 3 Credit Bureaus are crooks and hold us all hostage.

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 2018-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XXXX XXXX, 2017, I received an email from Wells Fargo stating if I signed up for a VISA Checkout account and made a qualifying purchase of at least {$10.00}, Wells Fargo would credit my checking account {$10.00} within 45 days of XX/XX/XXXX, the last day of the promotion. I even created the VISA Checkout account through the link provided to me in the email. I have called this company numerous times ; however, my calls seem to fall on deaf ears. No representives seem to know about this promotion, and the reps who did know about it did not know how my account would be credited. The final rep I spoke with had me fill out a form that did not seem to go anywhere. This led me to file a complaint with the CFPB, which is utterly ridiculous, for {$10.00} - yes {$10.00}.

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 monetary relief
Consumer complaint received 2018-01-13 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: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I contacted Quicken Loans to remove the hard inquiries from dates : XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX was contacting us weekly for months via email and telephone giving us directives and requirements that we would continually meet, but would deny us the pre approval until we did something else. We finally told him to stop contacting us. The pre authorizing inquiries were suppose to be soft inquiries that would not effect our credit. When I contacted Quicken Loans to have the hard inquiries removed due to being mis informed of the effect of what XXXX XXXX was doing we were denied the removal. Several times during all of our contacts I asked him why he would continue to contact us if he thought we would not get approved for a loan and he would tell us that we were so close and just need to " hang in there ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NC

Complaint narrative:
Seterus will not send monthly statements after my bankruptcy even after verbal and written requests from myself and my attorney.

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 2018-01-13 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I received a auto loan from Credit Acceptance in XX/XX/XXXX. In XX/XX/XXXX or XX/XX/XXXX Credit Acceptance sent for my car to be repossessed. I was forced to pay over {$300.00} to get my car back. Upon investigation of their claim of a past due amount, Credit Acceptance admitted that the REPOSSESSION was an error, and my account would be credited for the repossession/ storage fees. I paid the loan off in XX/XX/XXXX. The lender claimed I still owed money in XX/XX/XXXX, so I requested a detailed statement of account payments. The information provided was not clear and only confused matters. So I added all payment amounts posted by Credit Acceptance and it showed I was all paid up but they still refuse to release my title to car. 
In XX/XX/XXXX, Credit Acceptance sent a repossession company to my house to extort me for a payment or they was going have them take the car. They also reported to the major credit reporting agencies false information, claiming account is closed even though there is a clear dispute with regards to amounts left on record as owed. Credit Acceptance still have not released the title to my car and they continue to have negative remarks on my credit reports preventing me from getting future loans and better rates or services.

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