vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
On XX/XX/2020 I was contacted by my father saying that someone had called him and my aunt looking for me. I have not had contact with either of them in a few years and was shocked as to how that happened when I myself do not have any contact numbers for either of them. I got the number and called. I also looked the number up but no information was found on it. XXXX. The lady informed me that she was representing a company called XXXX on behalf of the Cash Store and that they had no website or any public information. She said they were hired by the cash store to collect XXXX from me and that if I couldn't pay today using a debit card that they would come to my job and serve me. She said they will find my place of employment by using my social the same way they used it to find these numbers to contact relatives I myself do not have communication with. I asked her why any personal business matters or information was shared with a third party and she said " do you have the money today or not if not we are on our way to serve you at work. '' I told her I did not and she hung up in my face. How am I supposed to give out personal information to some random person who doesn't even have a way to verify they run a legit business? Furthermore, you are practicing illegal actions by providing ANY information to anyone aside myself. She even went as far as telling me my full social after asking me to verify the last 4 digits. Ma'am you are supposed to ask me to verify not tell me the entire number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Customer could not help me remove any of these hard inquiries i'm willing too list down blow that was inactive on my credit report. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, 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 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I opened a new checking account with PNC Bank with a coupon. According to the terms, I can get {$300.00} bonus if I fulfill the requirements ( complete XXXX debit card transactions, receive direct deposit totaling XXXX, etc ). I completed the requirements before the deadline however I didn't receive the bonus. I called PNC customer service, although they acknowledge that I should have received it and promised me they would open a ticket to investigate the case, I never heard back from them nor did I receive the bonus. I called them yesterday, the customer agent then told me he couldn't find any case in the system and he couldn't help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-10 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: FL

Complaint narrative:
XX/XX/2020 Twice Equifax was called today to resolve a year long issue on freezing my credit profile. 

Equifax has been requested to via mail, fax, phone and online portal to freeze the credit profile and they have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
After our home was fully remodeled after the XXXX XXXX in North Carolina, we listed our home for sale. We could not afford the second mortgage, we're a military family and we were renting the home until the hurricane hit. When we tried to sell the home, we realized we would need more than $ 11k at closing so we proceeded with a short sale. During that time Freedom Mortgage sent a preservation company to the home to mow the lawn. While mowing the lawn they busted the water spigot on the back side of the house which caused water to leak inside the home for almost XXXX weeks before the appraiser from Freedom Mortgage arrived and alerted my real estate agent. The home was under contract with a short sale and during this time the home was vacant as we were waiting on the appraisal to move forward with the sale. This happened in XX/XX/XXXX and as of today, XX/XX/XXXX the damage has not been repaired. We can not rent, sell or live in the home due to the excessive damage and mold. We had another cash offer on the home after the buyer backed out and the VA denied the cash offer because as they stated, Freedom Mortgage is responsible for the damages and filing a claim to have the home repaired and back to the condition it was in prior to the water damage. We are being forced into foreclosure as we have no other option at this point. We have gone around and around with Freedom Mortgage, and the VA. My last conversation with the VA I was told to walk away. I do not think it is fair to us as the home owners to be forced into this situation when it was not our fault. We are taking the hit financially and even harder on our credit.

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 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
Today at work, along with yesterday I received a phone call at XXXX XXXX  - forwarded it to a queue because I did not know the number and it is my work number, then again right away at XXXX XXXX  called right back, did the same thing as I was on the phone, this is NOT the first time they have done this, and it has been reported before, also I have before told them NOT to call me at work and they still do over and over. Also when pulling my call history up, I realized that they called me at XXXX XXXX this morning as well. Which they can not call your POE more than once per day. This is harassment as I myself am a collector and know that they can not hang up and call right back and that each call can be worth to up to {$1000.00} if I were to go legal against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a XXXX card with Barclay 's Bank. The customer hotline is XXXX. They have a promotion in which if {$1000.00} is spent within the first ninety ( 90 ) days of " opening '' an account, the customer is awarded XXXX " XXXX XXXX. '' My card was " issued '' in or about XXXX. I did not use the card for sometime, and first " activated '' the card by using the directions on the sticker of the front of the card in XXXX, XXXX. The sticker instructs the consumer to go to XXXX to activate the card. I interpreted the activation of the card as fulfilling the requirements of " opening '' the card, within the meaning of the terms and conditions of the XXXX points program. Having spent in excess of {$1000.00} in the first 90 days of opening the card, but not receiving the XXXX points, I called the hotline number referenced above. 

Barclay 's Bank has taken the position that the " opening '' of the card is the point at which the card is issued in response to the application. They have rejected the idea that the card is not " opened '' until it is " activated. '' I have reviewed the terms and conditions of the XXXX points program, and can confirm that nowhere in the terms and conditions of the program is the term " account opening '' defined. Despite making the point to Barclays representatives that the term " opening '' as applied to my situation is ambiguous and misleading, Barclays has refused to credit my account with the XXXX points that I have earned.

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 2020-03-10 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: NJ

Complaint narrative:
1.0N XXXX I REQUESTED THE METHOD USED BY XXXX XXXX , XXXX  , AND EQUIFAX ON HOW THEY VERIFIED MY BANKRUPTCY SUCH AS NAME OF COURT, PERSON WHO VERIFIED IT, ADDRESS, TELEPHONE AND DOCS USED TO VERIFY THE BANKRUPTCY. LETTER ATTACHED 2.ON XXXX AND XXXX I RECEIVED LETTERS BACKS FROM EQUIFAX AND XXXX, XXXX XXXX NEVER RESPONDED. EQUIFAX AND XXXX  THAT THEY USED A 3RD PARTY VENDOR NAMED XXXX XXXX  A VIOLATIONS OF THE FAIR REPORTING CREDIT ACT. LETTER ATTACHED 3.ON XXXX I WROTE TO THE US BANKRUPTCY COURT OF NEW JERSEY ASKING THEM DO THEY RELEASE INFORMATION TO 3RD PARTIES. THEY DO NOT REPORT INFORMATION DIRECTLY TO ANY CREDIT BUREAUS OR 3RD PARTIES. LETTER ATTACHED 4.ON XXXX I SENT LETTERS TO XXXX XXXX , XXXX   AND EQUIFAX EXPLAINING HOW THEY BLATANTLY VIOLATED THE FAIR CREDIT REPORTING ACT BY USING A 3RD PARTY TO VALIDATE INFORMATION THAT GOES ON MY CREDIT FILE. 
LETTER ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: NJ

Complaint narrative:
1.0N XXXX I REQUESTED THE METHOD USED BY XXXX XXXX , EXPERIAN , AND XXXX  ON HOW THEY VERIFIED MY BANKRUPTCY SUCH AS NAME OF COURT, PERSON WHO VERIFIED IT, ADDRESS, TELEPHONE AND DOCS USED TO VERIFY THE BANKRUPTCY. LETTER ATTACHED 2.ON XXXX AND XXXX I RECEIVED LETTERS BACKS FROM XXXX  AND EXPERIAN, XXXX XXXX NEVER RESPONDED. XXXX  AND EXPERIAN THAT THEY USED A 3RD PARTY VENDOR NAMED XXXX XXXX A VIOLATIONS OF THE FAIR REPORTING CREDIT ACT. LETTER ATTACHED 3.ON XXXX I WROTE TO THE US BANKRUPTCY COURT OF NEW JERSEY ASKING THEM DO THEY RELEASE INFORMATION TO 3RD PARTIES. THEY DO NOT REPORT INFORMATION DIRECTLY TO ANY CREDIT BUREAUS OR 3RD PARTIES. LETTER ATTACHED 4.ON XXXX I SENT LETTERS TO XXXX XXXX , EXPERIAN AND XXXX  EXPLAINING HOW THEY BLATANTLY VIOLATED THE FAIR CREDIT REPORTING ACT BY USING A 3RD PARTY TO VALIDATE INFORMATION THAT GOES ON MY CREDIT FILE. 
LETTER ATTACHED

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 2020-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
As of XXXX  last night my homeowners insurance policy has been cancelled from the negligence on behalf of New Rez. I have been directly in contact with these people on email that has been ignored and a phone call to the insurance team with New Rez on the XXXX to try to ensure an already late payment to be made by the XXXX. My attorney contacted them yesterday and we were jerked around with constantly being placed on hold and then the out come was a bogus or invalid tracking number provided to us by the 3rd hold attempt we encountered. My statement balance is also in question going back to XXXX as my payments were not properly applied. I have submitted all my bank records that show I have paid and again all my emails have been ignored. Upon reviewing the XXXX comments and found they have about the poorest review a company can have and read anything from fraud to possibly theft statements on the XXXX website I do urge for this company to be investigated to the fullest extent of the law. There was not excuse for my insurance to be cancelled and I will not tolerate the attorney games that seem to be going on as they appear to be happening.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: MD

Complaint narrative:
while attending XXXX college in dc the school was closed on XX/XX/XXXX I attend this school from XXXX-XXXX. I was lied to about job placement. Deceived as far as the financial aid department reporting my correct balance. There XXXX accreditation which was lost when school closed. This school is currently under lawsuit because of inappropriate acts. Additional loans where taken out of my name without my knowledge.

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 2020-03-10 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: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a follow up on my previous complaint on CFPB, complaint ID XXXX. I wasn't provided any document that linked this alleged student loan to me. Then during my last compliant, Citi send over a loan application dated in XXXX from a XXXX XXXX who lives in Texas . Citi has further requested my drivers license. Which I '' m attaching it here. I also found the attached document which I thought was junk but might be helpful to your internal investigation. This false reporting has greatly damaged my credit file and I demand this to be removed as soon as possible before I hand this over to a consumer fairs 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 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Mutiple calls starting from the same number followed by mutiple calls by different numbers about twice a day. When answered, there is only silence and then a redirect to a machine. When called back, only machine amswer. It asks for an account number I couldn't possibly have and leaves no other identafiable information such as asking for my name or using the last 4 digits of my cell phone number or any other information. Website leads in circles and there is no way to recover any information to use to stop their calls or recover any type of information. Overall, it's just been an unidentifiable harasser over an unidentified issue with no possible resolution on my side.

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 2020-03-10 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: CA

Complaint narrative:
Acct # : XXXX Acct type : Medical Collection Furnisher : XXXX XXXX XXXX XXXX. 
The mentioned account is incorrect and I have no unpaid bill on XX/XX/2018. There is no supporting medical statement showing the date. I requested to remove incorrect information from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CT

Complaint narrative:
A company receivables performance XXXX Is showing up as collections on my credit report for a account opened XX/XX/2020 with XXXX and a balance of {$270.00} first off I have a freeze on all three of my credit bureaus and no one contacted me prior to going in my Credit report they are putting me in collections as I did not open up an account with XXXX in XX/XX/2020. This company called about a month ago and I told them it was not me it could be identity theft as I do not have an account with XXXX and opened one XX/XX/2020 they told me they would remove it and instead they are reporting me to collections on all three of my credit bureaus and it is hurting my Credit and they lied to me stating that they would remove this instead they made it worse

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 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
IC Systems collection agency has been harassing multiple family members ( including my brother, and elderly father ) on many occasions. On one occasion my father was with me and passed me the phone, i explained to the gentlemen on the phone that the number he is calling is not mine and my fathers and to stop calling it and he hung up on me. I called again, and spoke to a women who said they would take my fathers number off file. They still call my father almost everyday. Harassing an elderly man for no reason, demanding him to put me on the phone to speak with them. I have also on more then one occasion told this company not to call me anymore or send letters, since they wished not to settle an amount with me. I explained if they didn't wish to settle then there is no reason to keep calling me. They send letters to my house every single week. It absolutely insane. I called once from my work phone to speak to someone about settling and now they call my work phone! So unprofessional, this is beyond the point of harassment.

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 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
RECEIVED NO NOTICE OF PAST DUE AMOUNT ON ANY ACCOUNT, CAN'T VERIFY OWNERSHIP, AND ONLY NOTICE WAS FROM IRS FOR 1099 THAT WAS NEVER SENT TO ME FOR FORGIVEN DEBT RESULTING IN INCOME TAX LIABILITY

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 2020-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My gob father was trying to send me money to help our with my move, he ask me to get a Venmo account which is easy for him to send. I did and verify my account. He send a test XXXX $ and I was able to transfer that instant to my account. He sent me a XXXX $ that was on Friday morning. When I try to transfer the money, it keep giving me error. The only service that was available was to transfer via the 3 days transfer. I have a next day deadline. I talk to my property Managment and show them screenshots that I have my rent but I dont have access to it till the XXXX that yesterday. They agreed. Yesterday morning my friend send me XXXX , I couldnt do instant transfer either. So I did the 3 days transfer. To my surprise. That XXXX $ was in my account in less that 3 hrs. That worries me. I call and no body picked up. Email and a reply came saying the system flagged my transaction but if there is no problem. I will get it on the estimated arrival date that the XX/XX/2020. It didnt come. I call and text. Now they said 3 business days. I already miss my deadline to pay my rent ones. I tried to talk to them on the phone but they said there is nothing they can do, I have to wait for 2 to 5 business and I should not contact them. I have to wait for them to contact me. And now I received an email saving my account has been frozen for violating the agreement of Venmo. This is the 3 transactions with this service. What did I do wrong and this people are about to me lose my place. Get evicted. And When I was on the phone with the Venmo supervisors. He hang up on me when I told him. I will have to seek help to get my money

Company response to consumer: Closed with explanation