vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Armcon Corp
State: CA

Complaint narrative:
On or around XX/XX/XXXX I called XXXX XXXX XXXX XXXX regarding a old collection that had been brought to my attention. It was at that time they cross referenced my ex-husband 's name and advised me that they were going to add me on to a collection account that had been placed in his name. I advised them that we were not legally married at the time he obtaining that debt. Soon after they not only filed a lawsuit against me in the amount of {$17000.00} plus interest and legal fees, but also placed the growing amount on my credit report on a monthly basis. I advised them several times that the documents they were provided with by the original creditor were incorrect. I notified them by phone and in writing that the debt was invalid and they refused to withdraw the suit or remove the report. I did not have a contract with the original creditor for the disputed amount and do not have a contract with XXXX XXXX XXXX XXXX. The two documents my attorney was provided was an incomplete request for enrollment which did not list a financial amount due to the fact that I did not at full tuition, but was granted a reduced tuition which was paid in full, and an inaccurate and outdated ledger. XXXX XXXX XXXX XXXX accepted this debt with insufficient information and are working it on contingency, where they stand to benefit financially. I also believe the attorney working this suit is also working on a contingency basis which poses a conflict of interest in ignoring my previous disputes. I have since hired an attorney and he also advised them the debt was not valid and instructed them to remove it from my credit report. XX/XX/XXXX the amount increased again and was categorized as a Bankruptcy on my three credit reports. The inaccurate reporting occurred during escrow and disqualified me from obtaining a mortgage to which I was in contract for. XX/XX/XXXX they reported an " Inquiry for an installment loan '' further damaging my credit. 

Please note that the original creditor XXXX XXXX XXXX XXXX XXXX is currently the defendant in several other suits involving tuition disputes following an administration change. Furthermore, the entity that entered into a contingent collection agreement with XXXX XXXX XXXX XXXX is NOT the entity that was in existence at the time my children were enrolled and I was granted a reduced tuition rate and they have failed to prove otherwise as no such documents exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Most recently I have been disputing these accounts with Equifax around XX/XX/XXXX early XX/XX/XXXX. Verification of debt was requested via letter and sent certified on XX/XX/XXXX and received by all Equifax on XX/XX/XXXX. Equifax has failed to provide sufficient information used to verify debt but has responded that it has been verified or updated. 

Please see list of accounts below. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SECURITY CREDIT SYSTEMS INC
State: NY

Complaint narrative:
An operator in this office by the name of XXXX XXXX ( ext XXXX ) contacted a family member of mine on Thursday, XX/XX/XXXX and proceeded to provide said family member with detailed information regarding my account. Said family member was only asked to verify my date of birth ( call is recorded ) and the employee proceeded to disclose private information such as the amount of debt owed, my personal information, dates and payment arraignment options. I am not a minor and have no additional cosigners on this account. The family member in question was my mother, her English is limited and she suffers from mental illness. This operator took complete advantage of her limitations on this call. 

On XX/XX/XXXX I contacted XXXX XXXX at extension XXXX in the office and provided him with my name, social security number, date of birth and mailing address. I then proceeded to ask why the above verifying factors were not implemented when he had spoken to my family member the previous day and he placed me on hold for 20 minutes. I waited for him to return to the phone and expressed my concern for how this office is handling my private information. His tone became aggressive and that is when I asked to speak to his direct supervisor. He refused to transfer me to a supervisor. I called back and was routed to a supervisor by the receptionist. 

The above mentioned supervisor insisted he return my call and I have yet to hear back from him. On XX/XX/XXXX I attempted to contact the office supervisor and left numerous messages for him to return my call. Once I realized I was being avoided I contacted XXXX XXXX, the offices legal counsel and was told she would get back to me this week. 

My mother suffered a nervous breakdown following this call due to her mental issues. This caused me grief and much embarrassment. I am XXXX years old and am protected under federal law for my private information not be disclosed to anyone other than I or an attorney representing me. I would like this office reported so this doesn't happen to anyone ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
hi! 
THIS CREDIT CARD COMPANY DID NOT SEND OUT THE FIRST BILL, ARE WAS STOLEN AT XXXX XXXX, XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, IN WHICH THE CLERK STATED THAT SHE HAD 5 KEYS TO THE MAIL BOX! WHEN I GOT THE BILL FROM XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, IT WAS THE SECOND BILL AND OVER THE CREDIT LIMIT BALANCE BY ABOUT {$280.00}. THEREFORE THERE WAS OVER {$1000.00}. DOLLARS OF FRAUD ON IT! THE XXXX COMPANY WOULD NOT RELEASE THE FIRST MONTH BILL UNTIL THEY FOUND OUT MY BANK AND WHAT I OWNED! PROBABLY ATTEMPTED IDENITY THEFT. I PAID DOWN WHAT I THOUGHT THAT I OWED, FOR ONE MONTH USE! THEIR BALANCE KEPT CHANGING ALL THE TIME, JUST LIKE THEIR STATEMENT BILLS! 


NOTHING BUT BLATANT FRAUD ON THIER PART,  AND GOING THROUGH MY PERSONAL PROPERTY AT WILL WITH XXXX 'S, ARE FALSE PROPHETS, HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Purchased online and item from JCPenney 's and there was a promotional XXXX discount of 20 %. When I put the item in my cart at {$39.00} the {$6.00} was taken off at that time leaving a balance of {$33.00}. However when I chose to use my rewards is my payment method it took my discount from me. I used those rewards to pay for the item. via credit card or My Rewards it shouldn't have taken my {$6.00} discount. There is no mention in there that if you pay with rewards that the discount is not valid. Order number 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 monetary relief
Consumer complaint received 2018-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview Loan Servicing is consistently sending me letters that I am default in my mortgage payments and sending me statements that do not show accurate payments to my loan account. I am continually getting letters indicating that they have representatives available to get me appropriate counseling for my financial troubles, which I've never had with my mortgage companies. Recently, I received two certified notices, one addressed to my beloved deceased mother titled " NOTICE OF DEFAULT AND INTENT TO ACCELERATE '' dated XX/XX/XXXX. The second notice was sent to me, see attached copies. Since XXXX, I have never defaulted on any payment for my mortgage and always paid on a timely basis. I have had to resort to sending my monthly payment by certified mail with the USPS so that these payments may be traceable. I have all the documentation necessary to bring a formal complaint against Bayview Loan Servicing. 
The unprofessional tactics have caused me much distress. I have on many occasions called their offices to resolve this ongoing harassment. I have even advised them that I would retain legal counsel if this unfair treatment did not stop. Therefore, I am appealing to your agency to investigate Bayview Loan Servicing for the complaint herewith formally submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Was charged an annual fee of {$450.00} on XX/XX/XXXX an account that has not been used and since been cancelled. Cancelled around XX/XX/XXXX American Express is trying to collect a fee on a cancelled unused account. They will not reinstate the account with the perks nor let go of the {$450.00} fee. 

How can a huge company like this try to collect for an annual fee on an account that was almost right away cancelled after the charge of {$450.00}??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30 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: MO

Complaint narrative:
Experian is providing false information. This is about business accounts not personal! Screenshot attachment At XXXX on XX/XX/18 I called Experian to report unauthorized accounts providing my business and personal info publicly and incorrectly. A very rude XXXX guy named XXXX in XXXX refused to give me his manager, lied stating he was the only one I could talk to, and racially discriminated against me because Im XXXX XXXX! Experian refuses to correct the false information it is reporting on my behalf. There are two incorrect business listings that are not even valid companies and need to be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX You are providing incorrect information, this is not the business name. It is not the business address, nor has it ever been. Please fully delete and close out both of these accounts listed above from your system that are linked to my company. The individual stony hung up the call on me for absolutely no reason after racially discrimination and refusing to 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 2018-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently opened a checking account with BBVA Compass. Originally I opted in for overdraft protection until I realized that the fees were being assessed though an overdraft was not processed. I spoke with a supervisor on XX/XX/XXXX and as he credited me a credit for over draft protection and I agreed to opt out of overdraft protection. On XX/XX/, I transferred {$35.00} to my checking account to cover a transaction that I was about to make. My transaction went through. I was charged a XXXX fee. When the funds were in my account. My account is a XXXX because I have been charged {$38.00} 3 times. 1 for my purchase on XX/XX/ and 2 additional of for XXXX and XXXX. If I would not have been charged {$110.00} ( 3 XXXXX ), I would have XXXX in my account. In addition, on XX/XX/XXXX I agreed to opt out of overdraft protection due to the fees. The representative advised that computer automatically assess the fees to the account. BBVA Compass need to fix their system. This is an unfair and deceptive act and practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX  XX/XX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I received a copy of my credit report. I noticed that XXXX XXXX had placed an entry on my report and had not previously notified me that they were allegedly attempting to collect a debt from me. This company did not send a dunning letter prior to placing the entry on my credit report. This is a direct violation of my consumer rights. Additionally, it did not allow me the 30 days as mandated by consumer law to dispute the validity of their inaccurate entry. To that end, I disputed this entry to the credit bureaus in XX/XX/XXXX. XXXX, XXXX and XXXX alike stated the account was verified. I followed up with this company disputing the entry they placed on my credit reports. In my most recent attempt at researching this alleged debt, I sent a dispute dated XX/XX/XXXX to Convergent. 

In this dispute, I requested that Convergent provide an agreement that states their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable, verification that this debt was assigned or sold to collector, complete accounting of the alleged debt and name and address of the bonding agent for this collection agency in case legal action becomes necessary. 

Convergent failed to deliver the information, yet they continue to violate my consumer rights with the reporting of this entry. Convergent 's response provided mere screenshots of information that could be very well manipulated and falsely created. 
Also, the screenshots provide no validation to the alleged debt being mine. This item should be DELETED immediately from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Hello, I received a letter some years ago stating that I was part of a discrimination lawsuit against ally financial .They charged me extreme amounts of interest it was ridiculous, then I had gap insurance on the car and they would not honor the GAP agreement.They are very nasty on the phone and have very poor customer service. Very frustrating dealing with this company, please advise of any info you require from me. My account number is XXXX, please help, Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BBVA FINANCIAL CORPORATION
State: NM

Complaint narrative:
I lost my job and had been unemployed for past 6 months. I recently found a new job and also am expecting a refund check in the mail for total amount of money I am behind. I called BBVA a week or so ago and informed them of the situation and that I was told my check should be arriving by XX/XX/XXXX. I told them I would pay full balance past due then. The lady I spoke to said that was okay. 

Today, BEFORE XX/XX/XXXX, they are telling me they will put my car into repossession unless I pay them immediately and as I tried to tell them, I do not have money yet or check in hand! I asked them to wait until next week and they refused! THEY BROKE THEIR PROMISE TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
Friday ..XX/XX/XXXX I went to the TCF Bank at XXXX XXXX XXXX. XXXX   XXXX, MN XXXX. I had a rent check from tenants for {$1300.00}. The check from the tenants was a TCF check. I asked the teller to check to make sure the check was good. The teller verified that there were plenty of funds in my tenants TCF checking account. I told her I will put it into my savings account in lieu of cashing it. Will this be an immediate transfer. She affirmed it was. ... I went to the XXXX XXXX Branch of XXXX XXXX which was located on the corner of XXXX XXXX XXXX XXXX XXXX on Monday XX/XX/XXXX. I asked if the check was cleared. The teller said yes. I removed the funds of {$1300.00} The teller gave me cash.. On Friday XXXX. I received a letter from TCF saying my account was over drawn on XX/XX/XXXX. I went back to the XXXX XXXX location, XX/XX/XXXX : The teller told me they made a mistake and should have completed transfere of the funds on Friday.. That my only option was to call customer service.. I tried that but only got excuses. Then TCF closed my account and transferred the so called debt to a debt collector. They have file on my credit report. TCF Bank has never returned my original check. So I could never go further with action with this case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian declines to grant me any proof or validation of XXXX XXXX account ( ... XXXX and XXXX has found it to be an error and deleted it, it was false reporting on behalf of the loan company, and Experian has also failed to respond to me in writing within the 30 day period ... violating my rights and F.C.R.A. law ... this was an Auto Loan from 2014 that was settled, and has been corrected by the other two reporting Bureaus ... Experian seems to cause a lot of trouble for people without really investigating disputes, and they delight in being difficult and unresponsive, but a class action litigation may change this, because countless are quite unhappy with Experian ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a secure credit card to build credit. I also had a bank account with Bank of America. While in XXXX my bank card malfunctioned and i was forced to only use my secured credit card. a unauthorized charge was made on my account. I provided proof and was refunded then they put the charge back on my card. This caused my card to be charged off. i request that the error report be removed from all my credit reports immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30 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: MO

Complaint narrative:
I received your response oh We have reviewed your complaint along with the information you previously provided regarding this issue. As a result of your dispute on XX/XX/2018, the account which was reporting a deceased remark no longer appears on your TransUnion credit report. In addition, we have sent a corrected copy of your TransUnion credit report to 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 2018-05-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XX/XX/2016

Company response to consumer: Closed with explanation