vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
COLLECTORS KEEPS CALLING MY FAMILIES CELL NUMBERS WE WILL 17 CALLS ON RECORD WITH SCREEN SHOTS AND ARE CALLING ( XXXX ) XXXX. AFTER CEASE AND DESIST COLLECTIONS AND COMMUNICATIONS. STOP CALLING XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I settled a XXXX XXXX  collection balance with a law firm. ( Account number XXXX ) I attached the SETTLED IN FULL letter to the disputes at the bureaus. The bureaus left a balance on the file. This is a violation of my rights under the Fair Credit Reporting Act. 

According to Section 611 ( a ) ( 1 ) ( A ) of that law : Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

The key phrase in that paragraph is : " RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE '' The current status is that the balance is 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 2020-01-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I settled a XXXX XXXX collection balance with a law firm. ( Account number XXXX ) I attached the SETTLED IN FULL letter to the disputes at the bureaus. The bureaus left a balance on the file. This is a violation of my rights under the Fair Credit Reporting Act. 

According to Section 611 ( a ) ( 1 ) ( A ) of that law : Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

The key phrase in that paragraph is : " RECORD THE  CURRENT STATUS OF THE DISPUTED INFORMATION, OR DELETE THE ITEM FROM THE FILE '' The current status is that the balance is 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 2020-01-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is ahowing 20 hard copy inquiries over 2 years. They are not counting same or like inquiries within the allowable time frame which is only supposed to count as one inquiry. I have 6 just for my auto loan. Also, after one year they are not supposed to impact my credit score but it is. I am being refused a mortgage due to this and the number of inquiries separately counted

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 2020-01-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have contact Bank of America several times to remove this fraudulent account on my credit profile ( XXXX ). This account is fraudulent account and does not belong to me. I have provided the needed documentation to show proof of fraud and to request that this information stop being report to the credit agencies and to close/remove this account from being pursed within Bank of America. I have attached the Police Report, Removal Request Letter, FTC Affidavit Notarized, Proof of Identity and Address. I am requesting that this information is removed immediately. Bank of America continues to provide fraudulent information to consumer reporting agencies after I have shown them multiple times that that account is fraud! I am requesting that Bank of America removes this information from the credit agencies immediately. The account that is being requested to be removed is : BANK OF AMERICA Account number XXXX .... Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off.

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 2020-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
For years, I have been receiving calls, from a debt collection company, well and far past, the statute of limitations, for a $ XXXX debt, from a medical imaging service, So, many, years, have gone by, I am not sure, that, there, was an original debt. There is no harassment, because, the continuous, calling, is a recorded, loop call, similar, to a robotic message, that tells, us to call XXXX ( from which, the calls originate ), or XXXX, which may or not, be an office. The name of the company is ICS debt collections.

I tried to speak, to someone, many years ago, and tried, to explain, that, I could, find nothing, of the alleged, XXXX debt. I also, tried to explain, to them, that in, calling, me over, and over, again, within, the past 5 year, has turned, into some form of harassment. 
The man, at ICS, I did no retain, his name, responded, by saying " JUST PAY THE DEBT ''. Now, in 2020/XXXX  XXXX, at XXXX, the cycle starts, again. All I can say is " HELP '', this company has joined themselves to me like a marriage, and I want a divorce, from XXXX, I hope, that you can, stop, these, unwanted calls Thank you in Advance. 
XXXX XXXX Footnote : Seniors like us, who keep our landline phones, are grossly, called by, potential scammer, daily, with robocalls, it is a real and serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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 — Card was charged for something you did not purchase with the card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
57 fraudulent charges totaling {$10000.00} made on my credit card between XX/XX/2019 and XX/XX/2019. 

Huntington Bank Mastercard Voice Rewards : I called company on XX/XX/2019 to report fraudulent activity on the card. I filed a report with the XXXX Police Department regarding the fraudulent activity. I have also identified legitimate charges. 

I also submitted documents related to the case to a personal banker at the HUntington Bank in XXXX XXXX, Illinois.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
My mortgage is held through U.S. bank. on XX/XX/19 I received my escrow analysis statement from the company. It was wildly inaccurate, overstating my taxes by over {$3000.00} per quarter. I contacted the bank that day and alerted them of the issue, they told me to fax in a copy of my taxes, which I did that day. I was told to give them 10 business days for an updated analysis, early XX/XX/XXXX comes they did not have it completed. A few days pass I called back, they give me an updated amount. This new amount is {$55.00} higher per month than my original payment. I requested an updated escrow analysis so I can see why my payment is going up over {$600.00} a year when my taxes are only increasing {$100.00}. Was told they'll have that done by XX/XX/XXXX. I call on the XX/XX/XXXX, ask for an update on the escrow analysis, they tell me they do not see any requests submitted. I then get told they do not create escrow analysis after the yearly analysis is completed. If the yearly analysis was wildly inaccurate, I feel I have a right to a new analysis to know why they are raising my payment. My call gets escalated to a manager, they tell me they'll submit another request. Another 10 days have past and there is no news on a new analysis and my payment is due in a week. It has been over a month with this issue and the bank can not provide a simple request.

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 2020-01-24 00:00:00
Product: Debt collection — Payday loan 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: Critical Resolution Mediation LLC
State: MO

Complaint narrative:
The company is Critical Resolution Mediation, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ), this debt was for a loan taken out from XXXX XXXX. On XX/XX/20 I was contacted by this company at around XXXX XXXX   central time. I was told that if I did not pay a settlement in the amount of nearly {$2200.00} by noon on the same date, they would be forwarding this to the XXXX XXXX County, Missouri court system for garnishment and criminal charges for defrauding a financial institution. I told them that there was no way for me to come up with that money in that time frame. I then reach out to a local attorney and asked if it was possible for them to file criminal charges and was told to not give them any further information. I ceased all communication with the company and they called at least 5 times after my " deadline ''. 

Today ( XX/XX/20 ) I have received several " Restricted '' phone calls that I have not answered. They have also called my mother today ( XX/XX/20 ) and told her if I did not reach out to them by XXXX XXXX, that they would have me detained and I would spend 3 months to 6 years in jail. They gave out all of my personal information in regards to the debt to my mother and frightened her. This has been harassment like I have never seen before. In my opinion this is a total violation of the FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020 USAA Federal Savings Bank received a deposited check in the amount of {$3400.00}. They made {$1000.00} available and put on hold {$2400.00} for four days, in which they released the funds after that time, I called the bank to inform them that fraudulent activities might have taken place with my account, the fraud department puts an additional hold on the check and another deposited check for {$840.00}, the bank informed me that the account or check was blocked, I never received the check for {$840.00}, however they're attempting to hold me accountable for the funds. I wish to seek remedy with the usage of the UCC laws, and banking obligations to customers, my money is suppose to be insured, I would like to file a lawsuit if possible for the FDIC insured money in the amount of {$250000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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 — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : CREDITACPT XX/XX/XXXX AND XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: NC

Complaint narrative:
I have contact XXXX XXXX XXXX several times to remove this fraudulent account on my credit profile ( Experian ). This account is fraudulent account and does not belong to me. I have provided the needed documentation to show proof of fraud and to request that this information stop being report to the credit agencies and to close/remove this account from being pursed within XXXX XXXX XXXX. I have attached the Police Report, Removal Request Letter, FTC Affidavit Notarized, Proof of Identity and Address. I am requesting that this information is removed immediately. XXXX XXXX XXXX continues to provide fraudulent information to consumer reporting agencies after I have shown them multiple times that that account is fraud! I am requesting that XXXX XXXX XXXX removes this information from the credit agencies immediately. The account that is being requested to be removed is : XXXX   XXXX XXXX Account number XXXX .... Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off.

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 2020-01-24 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: ID Analytics, Inc.
State: MO

Complaint narrative:
I have sent two Notices to SageStream. For the purposes of removing unauthorized and unknown inquiries from Credit Reports. At this time, they have failed to respond, let alone remove all unlawful inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-01-24 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My total current amount as of XX/XX/XXXX is {$130000.00}. {$63000.00} from Sallie Mae and {$71000.00} from Navient. I was never told that Navient was buying anything from Sallie Mae until I got bills from Navient and had to call a Sallie Mae representative for information. I graduated in XX/XX/XXXX and have been making payments ever since and my loan amount has only increased. I can not afford my payments and they will not work with me to make payments. I was told by customer service representatives to ask people in life for money to pay for it and that it is too bad and to call back when I can make a payment. They are extremely unprofessional and give scarce, if any help with repayment. I have been researching tricks to help pay down loans faster and one is  making extra payments to buy down the loans. I asked Sallie Mae if I can make bi-weekly payments on autopay to pay quicker, they refused. I asked to make payments towards the principle balance only in attempt to buy my loans down quicker and was told I can not, it will go to interest first and even if specified for balance only, they will disregard and put towards interest anyway. I am trying to work with them to make payments, I am not skipping out on my payments. I simply can not afford my debt and would like help with making payments I can afford and they refuse. My interest rates were around 7 % when I first got the loan and now are almost at 11 % on some of them. I was never told how high they would go and given no help on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
WestLake Financial is in violation of the contract because it is charging the monthly payments for my car note on the XXXX of every month instead of the monthly signed contract which the monthly payment is due on the XXXX of each month in our contract. By contract the first payment is due on the XXXX of each month and the last payment is due on the XXXX of each month. WestLake Financial has been violating our contract agreement for several years. Please contact WestLake Financial so this problem can be resolved. ( Acct # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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 — Their investigation did not fix an error on your report
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy Cash listed the negative item on my credit report under another name ( XXXX XXXX ) ... I have contact them and advised that the previous fees paid on the account should be credited and not have the pay the full amount pay. Need the negative item removed immediately. They have also done illegal active on the account to stay on the credit report ... .stating that I paid {$1.00} on the account so it can be active. Also making changes on the account, by changing the amount due on the account several months in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Today, Equifax refused to place a " security freeze '' also known as a " credit freeze '' on my credit report both by telephone ( to XXXX ) and online ( at myequifax.com ). I tried both ways, and wasted a total of 35 minutes doing so. 

I telephoned the toll-free number that Equifax gave to the Federal Trade Commission for public dissemination for this purpose, a number for Equifax that I obtained from the FTC.gov website. 

When I did speak with an Equifax representative at the end of the 35 minutes I spent doing this, he told me that he was unable to process my request. 

By comparison, doing the same through XXXX  was successful and took a total of 10 minutes, and doing the same through XXXX  was successful and took a total of 3 minutes. 

Equifax didn't put a security freeze on my credit file because it didn't want to. I have no idea why. They are required to do so, and represented to FTC that a member of the public could do this by calling the Equifax toll-free number that FTC then put on its own website. 

I undertook this process after receiving notice from a creditor that someone had tried to obtain credit in my name, fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax is reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with non-monetary relief