vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: URS Holding, LLC
State: CA

Complaint narrative:
I was contacted on XXXX, XXXX and XXXX by Alltran Financials ( the company name they gave me ). They were looking for my brother who does not live with me and never has lived with me since we were children. I told them that he does not live with me and to stop calling me. Their return phone number is XXXX which is used by United Recovery Systems - a debt collection agency. I do not have any outstanding debts but they keep calling me and harassing me about my brother 's debts. I have already told them he does n't live with me and to stop calling me but they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: LA

Complaint narrative:
Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with XXXX ( XXXX XXXX ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting  corrected. Their incorrect reporting has caused denial in employment. I was assured the errors would be corrected asap.  The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" XXXX sent a 1099-C in XX/XX/XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently XXXX/XXXX XXXX is in violation of Federal and State of Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge. 
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX.  All documents have been supplied to the creditor on several occasions. Discharge documents can be supplied again  if needed. 

Copies of bureaus incorrect reporting is 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 2017-10-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with XXXX ( XXXX XXXX  ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting corrected. Their incorrect reporting has caused denial in employment. I was assured the errors would be corrected asap. The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" XXXX sent a 1099-C in XX/XX/XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently XXXX/XXXX XXXX is in violation of Federal and State of Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge. 
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX. All documents have been supplied to the  creditor on several occasions. Discharge documents can be supplied again if needed. 

Copies of bureaus incorrect reporting is 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 2017-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Benjamin Chaise & Associates
State: NV

Complaint narrative:
they keep calling I have explained to them its my debt its not XXXX but they keep calling harassing me using threatening phone calls that will take everything I own seize my bank accounts, they keep saying just pay the debt its easier they keep telling I have told them to stop calling my cell phone but they do n't stop they keep calling from private numbers. 
They even called me this morning XXXX/XXXX/XXXX and once again I stated stop calling and XXXX XXXX said just breath since I know what happen in XXXX XXXX today to breath I told him to XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
All three major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false misleading ways.
According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the CFPB to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
When I first started making payments to this company I was under the impression that payments were due by midnight of the due date in my time zone as it is with my other cards. Not so and I got hit with a couple of late payment fees. It is midnight in their time zone XXXX XXXX  ), not mine. ( XXXX ) So I need to make the payment by XXXX PM my time, fine. So I make my last payment at about XXXX PM on-line and get hit with a late fee. Now it turns out that only works if you do it over the phone, which I would have gladly done, but I thought on-line was more expedient. If you pay on-line the payment has to be made by XXXX PM XXXX time. Now I have spent quite a bit of time over the phone with different reps and not XXXX of them ever mentioned the different times, just that it needed to be done by XXXX PM, which I did. They would not reverse the fee. I have canceled the card as I am tired of these games they play to get more money out of you. BTW in XXXX late fees are not allowed, interest yes which is fine, but why do they get a double whammy here. However I would still like the late fee refunded as a matter of principal, sincerely XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
New Address : XXXX XXXX XXXX XXXX XXXX  XXXX recovering from Hurricanes in XXXX. 
main home hit. 
pls. work with us during recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax needs to be put out of business. 

As critical as credit scores and credit history have become, I find it appalling that of all the things we can opt into or out of, we can not control to whom financial agencies report our credit history. 

Equifax has proven it can not safeguard our data and I for one do not want them to have my data any longer or to make any money from having my data.
I would like to see the CFPB propose legislation that mandates every company that reports financial information to any of the 3 credit bureaus give their customers the option to choose which bureau ( s ), if any, they are allowed to report our credit history to -- and that is before reporting anything to any credit bureau. 

With this power, all of us can opt out of allowing companies to send data to Equifax. With no new data coming in, Equifax will become history, as it justifiably needs to. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I have not been able to open a checking account in years I have no ideal why this is happening. Had fraudulent banking account activity from XXXX XXXX on my credit report a few years back that has since been disputed and removed from my report I have tried to open checking accounts with XXXX XXXX XXXX XXXX who also did a credit report that I did not authorize bank of america also did an unauthorized viewing of my credit report they have also send me an email stating they will contact me through email when my account has been approved have yet to receive that email I have also tried to open up checking account s with several other banks which have also obtained my debit card information social security number and unauthorized credit reports and denied me an account there after.

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 2017-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On X/XX/2017, I discovered 2 unauthorized charges on my PayPal account, which is connected to both my bank and credit card. My PayPal account had 2 unauthorized charges to XXXX and XXXX respectively. Although XXXX and XXXX both confirmed to me that these transactions were made under a fraudulent account, they were unable to release any further information, except XXXX provided that the name on the account was " XXXX ''. I do not know anyone by that name. 

Because I had previously connected my PayPal account to my XXXX and XXXX apps, these merchants were considered to be " pre-approved ''. It allows transactions to be made without any further verification and this is how they were made without my knowledge. 

I relayed this to PayPal multiple times, but it has been difficult to receive any kind of personalized response. I do n't expect a formal letter, but none of their email and messages address what I say that may even help them in their investigation. In the end, they closed my claims stating that these charges were authorized because of the pre-approval. 

Now I am trying to close and remove all my payment methods from PayPal, but I keep receiving errors saying that it ca n't be done. Trying to talk to a real person at PayPal has been a nightmare. 

I have since resolved the disputes with my bank and credit card company, but I am worried PayPal will try to push the transactions through again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: AZ

Complaint narrative:
Hello my name is XXXX XXXX. Account with American first Finance # XXXX. Two weeks ago I called XXXX XXXX XXXX to tell them I would not be able to do my payment of XXXX on the XX/XX/XXXX, so I moved my payment for XX/XX/XXXX. I told the agent I spoke to that I would do my payment by myself and told her I would be able to MAYBE do a double payment I was not sure. She asked me If I wanted this payment to be automatically drawn from my account I said NO specifically, that I would do it myself and I made that very clear to her. When I was going to make my payment of XXXX on XX/XX/XXXX, because I could not do the double payment. I saw that my account said that there had been a payment of XXXX paid that day. Was very confused. So I did not do my payment. Monday morning XX/XX/XXXX I wake up to my bank account being on negative and saw that they had taken out the XXXX automatically out of my account without consent considering I had made it very clear that I did not want this withdrawn from my account and wanted to do it myself. So I did not authorize this transaction which is my biggest problem. A transaction has to be authorized before any money is touched again I said NO to this. I called and spoke to an agent first, she told me that on the notes it said that I had given consent to the last agent to take my money out of my account, I told her this was incorrect and that I wanted to speak to a supervisor and have her listen to this call. Did not get supervisors name but I spoke to her on XX/XX/XXXX to the phone number of XXXX at around XXXX. She was very short and rude and not helpful at all. All she said to me was that I was late on my payment and that on the contract it said they could take money out of my account if I was a day late. Which I do n't believe to be true as I been a day late before and this had never happened to me before. I explained the situation to her. Told her I needed a refund and she was just rude and told me she could not do that and said false information. That she would send me a copy of the contract to my email and highlight the part where it says they could take money out of your account without a consent. It is now XXXX on XX/XX/XXXX and still have not received anything form them. My biggest issue here is that you can not just take money out of peoples account without their consent. Big violation. & then when you speak to a " supervisor '' they tell you false information. I would like this call to get listened to by a real supervisor or CEO. & get my money back. Also I need that copy of that contract highlighted with the information this girl told me 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 2017-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: United Student Aid (USA) Funds
State: AZ

Complaint narrative:
On XXXX XXXX, XXXX, I entered into a payment arrangement with XXXX XXXX XXXX XXXX XXXX, for the purpose of rehabilitating my student loan. I spoke with their representative who I noted as being XXXX XXXX. The arrangement was to pay {$32.00} per month, 9 payments in 10 months. I provided information to allow for direct withdrawal from my checking account. A payment for {$32.00} cleared the checking account on XXXX/XXXX/XXXX. I sent in a signed form agreeing to the arrangement. They have taken no additional payments and now I have received a mailing from XXXX XXXX XXXX threatening additional action on a balance that appears to be a few thousand more dollars than before. I allowed the previous company to debit payments from my checking account and yet apparently face even more financial ruin than I already have. I already have too much on my plate with finances, health, and family issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reporting agency is reporting XXXX account # XXXX XXXX. my balance and payment status is being reported wrong. I paid this account off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Told on XXXX/XXXX/XXXX I am not entitled to new acct incentive despite meeting all requirements

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 2017-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit reporting agency is reporting XXXX account # XXXX XXXX. my balance and payment status is being reported wrong. I paid this account off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reporting agency is reporting XXXX account # XXXX XXXX. my balance and payment status is being reported wrong. I paid this account off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XXXX XXXX, I was the victim of identity theft. Someone used my Social Security Number and tried to open a XXXX XXXX credit card and a XXXX credit card. The accounts were denied and I received a letter from both companies stating what had happened. But, they are now on my credit report as " hard inquiries '' which they say could be on my report for at least two years. I plan to purchase a house in XXXX and I would like to have the best credit score as possible and this is severely impacting my Equifax score. I had no control over this situation, so I am hoping this could easily and quickly be removed. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA

Complaint narrative:
I send letters to all three credit bureaus requesting validation of several accounts including one listed on my report from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I received paperwork approximately on XXXX/XXXX/XXXX of a contract and payment history and total amount owed. I then checked my credit reports and noticed they had updated information on the collection increasing the amount from {$8200.00} to {$13000.00} and reaged debt stating last payment received XXXX. None of the information reported on my credit file coincides with the paperwork the company sent me. This intentional report of inaccurate information is negatively affecting my ability to get school loans for my child, jobs, purchase a home, and/or reasonable interest rates on credit cards. 
Also XXXX continues to report inaccurately on my credit as late when I actually paid debt off with credit agency that they sold the account to. I have made several requests to remove inaccuracies but they still have yet to do so.

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 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The account I will talk about is a joint bank account and both XXXX XXXX and spouse XXXX XXXX are user of such account. In XXXX XXXX XXXX wallet was stolen. The next day we noticed two {$950.00} withdrawals from the account. We immediately went to the bank to inquire about the withdrawal. The bank employee pulled the withdrawal slip and said it was done through the drive thru. They showed me the slip and the signature was obviously different than our signatures. I submitted a claim with the bank and they credited my account. A week ago they reversed the transaction and they charged my account with {$1900.00}. I called the bank and they stated that the investigator determined that two forms of identification were used. The PIN and the ID. This is not possible because we were together and at work when these transactions took place. No one other than us know our PIN numbers. However, even if the PIN was used, the ID could n't have matched the person who collected the funds because we did n't go to the bank that day in the morning. We were both at work and we work together. Furthermore, the signature on the slip and the signature recorded on the account do not match at all. Now my account is negative {$1900.00} and the results of the investigation on my claim are in no way possible.

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