vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery at XXXX called my DAUGHTER on XX/XX/20 at XXXX XXXX  on her cell phone regarding a six-year-old debit in my name. I disputed this charge years ago and contacted the company that time. I do not want to contact the company again upon advice from attorney who advised that by my calling the company to dispute the item, it will start the official time period that Portfolio Recovery can use to harass me. Several years ago, Portfolio Recovery called my neighbor and asked the neighbor to deliver a message to me. This company routinely violates the debt collection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11 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: CA

Complaint narrative:
I was made aware of three accounts reflecting badly on my credit report today XX/XX/2020 when I went to refinance my car. I didn't know these accounts were on my credit report because they do not belong to me. I have no idea who could have stole my personal information to open these accounts without my permission but I have already filed a police report. I did not allow these companies to run my credit nor do I have any written/verbal contract or relationship with these companies at all. I did not benefit anything from these accounts and I did not contribute to any payments towards any of these accounts.

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/2020 I went to try to purchase a house with XXXX XXXX and was denied for having 10 negative accounts on my credit report. I have never authorized any of these accounts from being open or have ever authorized anyone else to open them in my name. I have never benefitted from any of these accounts being opened or have received any money or goods in good faith from the accounts. Please remove them from my credit report. I have a filed a police report regarding these accounts being opened as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I sent a certified letter they had to sign for stating that I was on needs based aid and was unable to pay any of these deaths at this time and wished for them to cease contact with myself unless it was a discharge letter we have continued to send repeated letters continue to try to call my cellular phone have even called my work place that I used to work at it is ridiculous these people are just unbelievable and they did sign for the document stating that I was a needs-based aid I have a copy of the card stating that they sign for it and that they excepted receipt of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11 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 found some one used my credit record and open accounts under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: CA

Complaint narrative:
I found some one used my credit record and open accounts under my name.

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 2020-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I sent a certified letter they had to sign for stating that I was on needs based aid and was unable to pay any of these deaths at this time and wished for them to cease contact with myself unless it was a discharge letter we have continued to send repeated letters continue to try to call my cellular phone have even called my work place that I used to work at it is ridiculous these people are just unbelievable and they did sign for the document stating that I was a needs-based aid I have a copy of the card stating that they sign for it and that they excepted receipt of it

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 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I opened 2 Trust Checking Accounts about 4 months ago. Since day 1, XXXX XXXX can not properly record the Address of the Trust. I have contact the Local branch as well as Wells Fargo Corporate office at least 4 times now, including about 3 or 4 complains online to the XXXX and CFPB. I have threatened to leave the bank a half dozen times ... .yet NOBODY at Wells Fargo is fixing the issues. All i ever get, are employees who are completely incompetent. Not 1 Wells Fargo employee has the brain power to simply RECORD THE PROPER ADDRESS. So the purpose of this Complain is : i went into the Local branch  today on XXXX XXXX in XXXX. I had 3 temporary checks made ( I NEVER RECEIVED MY CHECKS THAT I PAID FOR ) and they made me pay 3 dollars for them. When i got home, i realized the Bank DID NOT PUT THE TRUST NAME ON THE CHECKS, instead they put a legal name, NOT THE TRUST NAME ... .and they wrote down THE WRONG ADDRESS ONCE AGAIN!!!!!!!!

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 2020-03-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has to be the only credit reporting agency that doesn't do any research. Because I have a credit freeze on my account. I'm still getting inquiries from companies that I have not applied for credit. I have a total of 7 that Experian refuse to investigate and remove. XXXX XXXX is also being reported on my credit report which I've asked Experian for a copy of my signature for this name I've never used.

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XX/XX/2020 I went to try to purchase a house with XXXX XXXX  and was denied for having 10 negative accounts on my credit report. I have never authorized any of these accounts from being open or have ever authorized anyone else to open them in my name. I have never benefitted from any of these accounts being opened or have received any money or goods in good faith from the accounts. Please remove them from my credit report. I have a filed a police report regarding these accounts being opened as a result of identity theft.

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 2020-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/2020 I went to try to purchase a house with XXXX XXXX and was denied for having 10 negative accounts on my credit report. I have never authorized any of these accounts from being open or have ever authorized anyone else to open them in my name. I have never benefitted from any of these accounts being opened or have received any money or goods in good faith from the accounts. Please remove them from my credit report. I have a filed a police report regarding these accounts being opened as a result of identity theft.

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 2020-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XX/XX/XXXX - XXXX  Credit Report Number : XXXX Inquiries from Midland Credit Management. XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. My Personal Information, i.e. my name Identification Number, Social Security Number and Addresses Identification Numbers, Type of Address, Geographical Codes. 
XX/XX/XXXX - XXXX  Credit Report Number : XXXX Inquiries, Consumer Reports, XXXX XXXX XXXX. My Personal Information, i. e. My Names Identification, my Identification Numbers, my Addresses, Type of family, Geographical Codes. One wrong Address XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Type : single family Code : XXXX Address ID # XXXX with last 4 digit of zip code not my last 4 digit of my zip code. 

When I XXXX  the address it is a piece of land that I am being charged for on my XXXX XXXX County Property Taxes after A judge ordered XXXX Property Taxes Exempt to {$0.00} owed. 

XX/XX/XXXX a default Request, Affidavit, Entry, and Judgement ( Sum Certain ) 43rd State of Michigan Judicial District Judicial Circuit Court Plaintiff 's Name and address Midland Funding, LLC a.k.a Midland Credit Management, third party Withholding Unit Michigan Department of Treasury, XXXX Michigan - This was a case of Identity Theft that I have reported previously with your establishment for seeking to garnish my Homestead State Income Taxes return. XX/XX/XXXX court and Plaintiff Garnishee Disclosure from court SAME AS ABOVE for indebted for non-periodic payment. XX/XX/XXXX Writ of Garnishment from Plaintiff and 3rd party XXXX. My XXXX Michigan Homestead Taxes were garnished for XXXX and XXXX Michigan Homestead Taxes and Levied Taxes in XXXX return. I am a XXXX, XXXX Senior Citizen living on a below Federal Income Guideline and my home at the address XXXX XXXX XXXX XXXX, XXXX XXXX MI has been in foreclosure each year from my Homestead Property Taxes Return being taken from me because of Identity Theft and Fraudulent Activities since XXXX. I have received foreclosures since XXXX and XX/XX/XXXX, threatening to make me homeless and pay XXXX XXXX XXXX Taxes which I was told are controlled and managed by the XXXX County Treasure 's Office making continuous monthly payments on time and date of agreement. DHHS have agreed to assist in payments, however payment has not been received to date. I am waiting and thank you in advance for your investigation and resolutions in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
I have transferred money to XXXX on XX/XX/XXXX but the money has not been transferred to my XXXX account and requested to cancel the transaction and they told they cancelled but they are not releasing the money back. If dollar rate is increasing then WU is  holding our money and converting it to higher XXXX rate. This is really disappointed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
There was a legal order that honored by Bank of America from a XXXX XXXX XXXX that was not a legal document that was signed by any court ( Federal court, State of Indiana- XXXX XXXX, Bank of America-State of Michigan , Bank of America Corporate - Florida ).  Thus far Bank of America has refunded back {$33.00}, {$91.00}, and {$270.00} out of the original XXXX that was requested. Bank of America is now indicating that they have not received an official notice from XXXX XXXX indicating to refund me back the last amount that was in question for XXXX. Originally I was told there was a tax issue with the Indiana Department of Revenue - no tax debt found by them. XXXX XXXX XXXX when called had no identifiable information regarding a debt owed to them. Bank of America Legal Department has only given me a document with my name and ssn on it. Bank of America originally stated this was based on my Indiana Drivers License. This number was never annotated on the document they provided. The documents can be resubmitted if needed for further investigation. There is no other organization listed. I would like my XXXX refunded back into my account for a fictions document that accepted and debit my account.

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 2020-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Date of Fraudulent Activity : XX/XX/2019 Amount : {$6600.00} Locations : 1 - XXXX XXXX  XXXX XXXX XXXX Promo Purchase - XXXX, GA 2 - XXXX XXXX  XXXX XXXX XXXX Promo Purchase - XXXX, GA Actions Taken : 1.  Called the company informed them of the fraud. 
2. Created a report to FTC for Identity Theft 3. Submitted a request to the 3 Credit Bureaus alerting them of the fraudulent activity 4. Filed a police report 5. Reached out to a Lawyer for legal council 6. Sent XXXX a Notice for Furnishings ( no response ) - XX/XX/2019 6. Called XXXX to request the account number for the fraudulent account because the police say it's required to submit a subpoena for information used to create the account. 
However, XXXX would not provide me with this information so they can not subpoena for the information and I can not file lawsuit against the person that is using my identity to open fraudulent accounts. 
I'm stuck in a catch 22. XXXX will not give me the account number. The police can not subpoena information without it ( they have tried and it gets sent back stating the account number is needed ). 
-- -Special Note : XXXX did close the fraudulent account and reach out to the credit bureaus to have it removed from my report. However, I still have the inquiries on my credit. They stated it may take some time. -- -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has already responded to my previous CFPB complaint stating that they are not responsible for what happens to my XXXX XXXX miles. The other day I received an email from XXXX XXXX that stated my XXXX XXXX frequent flier account was closed because of the following " if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page. '' I am refuting this information because every single credit card I applied for did not have this 48-month language nor did it have any information at the top of the application page that would stipulate not being able to get a bonus ( screenshot/pdf are provided ). 
XXXX XXXX has directly put the blame on Citibank. I have tried every single possible resolution I can think of, and I have attached that documentation of all correspondence I have tried to make with every government agency I could think of. 
I am at the very last stage before I submit a demand letter. 

The attached documents will clearly outline the situation. I believe that Citibank and XXXX XXXX worked in cahoots with each other in order to shut down accounts that were not profitable to them. 

Every single credit card I applied for was vetted and approved by Citibank. I put in all my information, social, address name, etc. None of the applications had any language about 48-months or anything about already receiving a bonus. 

I received the bonuses for all credit cards opened for XXXX XXXX Platinum cards from Citibank because I was in line with the terms and conditions, they did not state anything about getting multiple bonuses nor a timeframe in which it could be done. 

I have attached multiple examples of the Citibank XXXX  XXXX offer that does not have the terms and conditions at the top of the application page. Along with an application I saved as a PDF, that clearly doesn't say anything about 48-months or any restrictive terms. 

Documents XXXX is a reply from XXXX XXXX  blaming Citibanks 48-months. 
AA-timeline is how I've tried to fix this. 
XXXX is an application page without any terms. 
The XXXX is the top of an application page to match the XXXX terms. 
The XXXX are application pages ( top ) without any restrictive 48-month language. 
AA-mailer_TOC - show that there is no restrictive bonus sign-up language. 
AA-valuation-miles : It states " Five ( 5 ) First Prizes : XXXX AAdvantage miles will be awarded to the winner 's account. First Prize ARV : {$1900.00}. '' This is how I came up with the valuation of miles at XXXX cents per mile, based off of AA 's valuation of them ( for tax purposes )

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 2020-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
On the day of XX/XX/2020, I went to an dealership to purchase a care for the use of work and school. The car that was sold to me was an XXXX XXXX XX/XX/XXXXXX/XX/XXXX. The dealership sold me the car for the price of XXXX with monthly payments of {$430.00} with and interest rate of 22 %. Not making the right decision of actually looking around. The down payment that I had put on the car was {$1800.00} with only putting down {$1400.00} and owing {$300.00} which i payed. I am now paying an overall amount of {$32000.00} for the car over the period of 72 months. The dealership really conned me out of this deal as when i went back to discuss the situation they couldn't do or say anything but it was to late after bringing the car back 2 1/2 days later. My interest rate is really extreme and i want to be able to fix this if possible. On the day of XX/XX/2020, i went to get my car registered and I couldn't because I needed the title so i contacted the dealership. I spoke with the woman that signed off on my documents and she sounded very qwerky as if in a it is what it is voice. I told her i needed the title to register my car and she said the wasn't possible because they were still " processing '' that and other items. This dealership isn't the best one to buy a car from and this will be my LAST time. This was my first car to have ever bought and my first car period and my experience has been horrible even finding an affordable insurance. Hopefully someone can help me.!?

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 2020-03-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
prior complaint XXXX ( see reply ) trying to get modification from bank of America, as discussed MANY times before i pay my own taxes and insurance and do not need or want bank of America to collect this for me. ( they have shown to be neglient in the past ) ( see complaint XXXX XXXXBank of  America ) Will pay ONLY principal and interest for this home equity loan. XXXX XXXX agreed with me that after all i have been through if i re applied for the home modification they would not attached escrow payments.This is the same problem that occured during the prior 2 years. I need this modification to go through with just interest and principal in order to be able to afford this. I have placed 3 calls to bank of America and left messages and have no reply. I need this fixed immediatley. this bank has been jerking me around for over 2 years in which time i have accured over {$9500.00} in interest on this loan. This should not be. I made it a point to all concerned that i will not accept any modification with attached escrow payments. Bank of America and XXXX XXXX have been dishonest by saying one owned it and the other one serviced it, yet blamed each other when they failed to pay my taxes, or when the paid my flood insurance twice ( 1st mortgage ) and drained my escrow account and when the took out a " trial payment '' 7 times out of my account. ( modification ) Enough is enough! mortgage number is on prior complaint i do not have it at this time ( at work )

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