vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
On XX/XX/2020 I received three anonymous phone calls on my work number, as well as three additional calls on my cell phone. 

I received information by a non-relative who provided me with the same information as they have contacted at the very least 3 other people. 

The caller states there name is XXXX XXXX with " XXXX ''  and will be serving me with my certified documents between the hours of XXXX  and XXXX at either work or home and I need to contact them regarding this debt right away at XXXX. THis information was provided to other individuals who have had no relation to me, nor have been placed on any reference list. 

When I contacted the number " XXXX '' responded by letting me know that I owed {$4400.00} from a debt with Ace Cash Express and if I would be served with certified documents. 

I inquired as to why they were contacting individuals with no relation to me and she responded " You have them as a reference '', I asked for her contact information including address, company name and was only given " XXXX ''. I asked for a valid address and she refused repeatedly. She informed me she was not required to provide me with any information because I owed a debt. 

I asked to speak to her supervisor. After several attempts the supervisor stated that at first I had the individuals down as a reference. I asked why they called thousands of times ( in general I did not count ), and he stated " no we called 12 times as well as others to try to contact you ''. 
I asked how he was able to receive information for individuals I have never had as a reference and he stated that he was able to get the information based on my social security number and contacted everyone who has had a connection with me. 

I asked him for their address and he refused and stated " I don't need to give you anything if you are not telling me what is harassing about our calls ''. I informed him that they were in violation of the Fair Debt Collection Practices Act and am requesting their information. He responded by saying he wasn't required to give anything if I didn't tell him why I thought they were harassing. 

I have called back repeatedly but I seem to be blocked from their number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX A collection agent for JO Morgan Chase Bank N.A . 
I was offered a settlement amount of {$5300.00} Paid in 3 Installments ; XXXX {$1700.00} XXXX {$1700.00} and XX/XX/XXXX for {$1700.00}. After my final payment I was to receive a letter stating the debt was paid in full And a XXXX balance due would be indicated on my credit report. 
The day my last installment was processed, Chase bank recalled my debt from the creditor And went back on the agreement XXXX HAD MADE WITH ME. The agreement made with me, which I have in writing is not being honored and Chase is only deducted the money I paid to leave a balance of over {$9000.00}. Still owed. 
I sent the letter and the evidence of the installments paid by my bank to XXXX and they updated my file but it does not reflect the agreement made with me by XXXX while working for Chase. 
Can you please require Chase to honor the arrangement made with me Thank you f

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

Complaint narrative:
XXXX  keeping my old ( 10 years old ) credit card that was unpaid due my hard time in college. A statute of limitation in Massachusetts Maxing all your dept on credit report up to 6 years General Laws Part III Title V Ch. 260-2.  Please have them remove it because it damaging my score for life and violating my civil financial rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Approximately a year or so ago I was in XXXX and upon going to the cashier to pay for a high price item I was persuaded to take advantage of a zero interest promotion. I was not inclined to accept as I generally prefer not to have credit cards and this may well have been my first. Needless to say the salesperson was very convincing in making it quick and easy including paperless statements and auto payments. About 6 months ago I received a letter in the mail advising that XXXX were no longer associated with Comenity ( the credit card company ). About a month ago I got an email regarding being able to see my credit report and to my surprise my credit had been significantly affected but I did not know why. Upon research I found out that I had a significant outstanding balance on the XXXX  card and upon enquiry found out I had been charged significant interest from the inception of the transaction. I was totally shocked as this had never been brought to my attention nor being informed of an expiry to the promotion period. Surely there is a consumer right to be adequately informed of such prior to charging excessive interest through a written notice or telephone call rather than purposely letting it lapse and letting time go by including credit impacts and taking advantage of consumers. It is just not fair and a blatant cynical practice to take advantage of consumers. Your assistance would be greatly appreciated in the interests of many people who are being abused through these practices. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
Have been contacted by this company for years. Today, on a recorded call, he threatened to take legal action since the debt was over {$1000.00} and that since the state of Ohio has taken my tax return this demonstrates they can take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/20 I tried accessing my account with Coinbase and could not. I created a ticket with them the same day. 
It is now XX/XX/20 and I have not been given access to my account..

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

Complaint narrative:
I applied for a credit card and got denied. I saw items on here that I know nothing about. Can you please these accounts off my credit No name Acct # XXXX, XXXX XXXX, XXXX DEPTEDXXXX, XXXX  XXXX, US DEPT ED, USDOE/XXXX. I have contacted the FTC and local police.

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 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OR

Complaint narrative:
Bank of NY, Mellon is the trustee of our Mortgage note. 

We have written them several times over the years to include when the XXXX / XXXX scandal of predatory lending practices had a debt settlement program which we were named in. No response was ever given. 

XXXX  XXXX XXXX refused, and on tape refusing to provide this trustee information in order to protect them. 

Most recently, XX/XX/2019, we sent a certified letter to The Trustee of our loan, Bank of NY, Mellon, which was signed for as being received XX/XX/2019, to request the following documents : 1 ) The original promissory note, as well as a personal member of their bank to allow us a visual inspection of this Original Promissory Note 2 ) To also see the Deed of Trust 3 ) All loan documents to include all transactions dated back to loan inception, XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX. We requested all documents so we can review them personally to match with our records. 

All of these requests were never answered, just shoved under the carpet.

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

Complaint narrative:
I applied for a credit card and got denied. I saw items on here that I know nothing about. Can you please these accounts off my credit No name Acct # XXXX, XXXX XXXX, XXXX DEPTEDXXXX, XXXX  XXXX, US DEPT ED, USDOE/XXXX. I have contacted the FTC and local police.

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 2020-03-03 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: GA

Complaint narrative:
I applied for a credit card and got denied. I saw items on here that I know nothing about. Can you please these accounts off my credit No name Acct # XXXX, XXXX XXXX, XXXX DEPTEDXXXX, XXXX  XXXX, US DEPT ED, USDOE/XXXX. I have contacted the FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: U.S. BANCORP
State: IA

Complaint narrative:
I settled this in full in XXXX, us bank shows I didnt so I sif again XX/XX/XXXX with XXXX XXXX and they sent me a letter confirming this. I called XXXX  and they said it didnt matter, they needed confirmation from us bank that it was sif and XXXX base came back that way and didn't see any of that information which is incorrect.

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 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, I attempted to transfer funds via ACH from my Bank of America online account to my account at XXXX ( XXXX XXXX ) but was unable because XXXX XXXX XXXX routing number ( XXXX ) was not in Bank of America 's routing number directory ( XXXX XXXX XXXX routing number is displayed as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ). I was informed by a customer service representative of Bank of America that XXXX XXXX XXXX routing number could not be added to the Bank of America directory even though XXXX XXXX XXXX routing number is on the Federal Reserve Bank 's   directory ( XXXX XXXX XXXX ). I am filing a complaint because I am unable to transfer funds from Bank of America to XXXX ( XXXX XXXX ) until the routing number is properly added to Bank of America 's directory.

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 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CHECKredi of Kentucky, LLC
State: CT

Complaint narrative:
On XX/XX/20 I attempted to Call CheckRedi about an Unpaid Returned Transaction on my email. The company asked for identity verification after I gave information the associate was rude so I hung up and called back the same day about 10 minutes later. When I got to the Identity verification process again the associates told me that the address on the file did not match. However, I gave the same information as the previous call which means that an associate gave out my information using the wrong identity verification. 

Additionally, the company is attempting to collect a debt that I am not authorizing since it was wrongfully applied to my account. 

I had previously logged into the zipline website to change the account information. After changing the account information I was contacted saying that the previous, bank account was still linked despite my changing the account. The error is causing a collection item. The original charge should be {$22.00}, however, they are implying that I owe a {$20.00} balance on a collection that I did not authorize nor should be due to pay considering that I changed the back information to the correct information on the zipline website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I recently submitted a dispute with XXXX  that the Statue of Limitation has expired with Ally Financial. I received my results today XX/XX/XXXX that the account has been updated. Ally Financial had previous negative reporting on my credit report that is now in good standing as a closed account but has multiple errors. The status of limitation has expired for this account. The account was open on XX/XX/XXXX and reported closed on XX/XX/XXXX. However, the date of the first date of delinquency was in XXXX and it is a negative closed account. Most negative information can only stay on your credit report for a maximum of seven years. However, this is a negative and old closed account. The credit reporting limit for negative reporting is 7 years. If I dispute an account online I do not get information reported from the credit bureaus stating the reason the account has been updated or the reason for the disagreement. Because I can not come to a resolution, I submitted a complaint to fix the errors that has been made.

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 2020-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING To Whom It May Concern : This letter is being sent to you in response to your recent communication. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Wyoming and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 
I require compliance with the terms and conditions of this letter or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. see See Wantz v. XXXX XXXX XXXX, 386 F.3d 829, 834 ( 7th Cir.2004 ) XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
The aforementioned credit collection agency representing CREDIT MANAGEMENT LP has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If CREDIT MANAGEMENT LP does not have any documentation, they need to retract this from my credit file immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX XXXX does not have any documentation, they need to retract this from my credit file 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 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2020 I attended a Timeshare Presentation hosted by XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX NY. After this presentation the representative asked for our social security and state ID in order to run a credit check to see if we could qualify for their timeshare program. We declined to participate in their program and explicitly stated we did not want to be involved in any of their programs. During no point in time during their presentation did they state they would open a line of credit for us, nor did we ever state that we wanted to apply for their rewards card. They used my information to open a new credit card without my knowledge. 
On XX/XX/2020 I was notified that a new credit account was opened in my name in my XXXX  credit report. The company BARCLAYS BANK DELAWARE opened a new WYNDHAM VISA REWARDS credit account. The account was opened on XX/XX/2020 without my knowledge. On XX/XX/2020 I called the company directly and they agreed to cancel the credit account, however even when I expressed that this account was opened without my knowledge they did not say that my claim would be investigated. I am currently awaiting confirmation that the credit account has been cancelled. 
I would like BARCLAYS BANK DELAWARE to initiate a fraud investigation so that their account is taken off of my credit history.

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 2020-03-03 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: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Have disputed several times with 3 credit reporting agencies to correct the principal balance and interest rate and payment history on said loan with Shellpoint Mortgage company.

Shellpoint is reporting incorrect information to 3 credit bureaus on Account principal balance and interest rate and payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The aforementioned credit collection agency representing XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regard to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation, they need to retract this from my credit file 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