vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nathan & Nathan, P.C.
State: TN

Complaint narrative:
I have received multiple harassing phone calls and received a collection letter by mail regarding a debt that does not belong to me. I have properly notified Nathan & Nathan on multiple occasions that my name & social security number need to be removed from the file because it does not belong to me. The collection account in question is not mine, does not and could not belong to me. A person who shares the same name and used to live in the same city as I is the one to whom this debt belongs. This is not the first agency to inaccurately and egregiously link information from my credit report to a completely different person. These inaccurately attributed collection accounts have the potential to cause financial harm. Nathan & Nathan has failed to respond. Nathan & Nathan has failed to remove my information from this account. Should this matter not be resolved with immediacy, I will pursue legal action to ensure that I remain whole, plus damages, in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
I have never done any business with XXXX XXXX XXXX XXXX. The company is claiming that I owe money to them. I have never had an account with them.

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 2018-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I had hurricane damage to my home and received money from my insurance company to make the repairs. Flagstar has held these funds unnecessarily and repeatedly failed to answer my questions or to follow up with me on concerns that I have raised. The main contact I have been dealing with is XXXX XXXX XXXX, who takes weeks after my continued emails to respond to me. I am having to drain my own bank account to pay the roofing contractor to make the repairs, which is entirely unnecessary.

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 2018-07-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank VISA Credit Card In early XXXX I disputed 2 charges on my credit card for poor workmanship and service no provided as agreed. I was give credit for the two amounts. one for {$300.00} and one for {$2000.00}. I was asked to respond in writing about the dispute which I did XX/XX/2018. Each amount had a separate case number but I told them the response was the same for both case numbers and stated the case numbers in my response. 

I received a letter telling me that had had not received anything from me and when I called they confirmed that they had and I did not need to do anything else. The merchant had 60 days to reply. 

In XX/XX/XXXX I got a notice as I do every month about my payment being due and I noticed they added the {$2000.00} credit back to my account. When I called to ask them why they said I would need to speak to the person managing my case and they would call me within 24 to 48 hours. Then I received a letter dated XXXX-XXXX-18 telling me they sent a letter XXXX-XXXX-18 requesting more information on the {$2000.00} charge and since I did not provide it to them they were adding it back to my account. This request was never sent to me. 

The next day I received a letter dated the same XXXX-XXXX-18 telling me they have found in my favor for the {$300.00}. I called to try and speak to someone and was told they would call me in 24 to 48 hours. 

Since my only communication regarding the dispute was sent XX/XX/2018 and I had not sent anything else to them, it is unimaginable that they could find in favor for one of the claims, ( Lowest ) and not the other. Both claims were addressed in the one response and they should have either rejected both or accepted both not split it. 

I have since called no less than 7 times each time never able to speak to a supervisor or anybody and told they would call me back in 24 to 48 hours. They even said they called and I told them I take my cell phone with me and I never got a call. They even said they left a message so on top of never getting a call I never got a message. I take my cell phone every place along with all documentation to discuss if they ever call and they never have. 

Now we are beyond time frames and they have been extremely negligent in dealing with this matter. I have written to the CEO called many many times and no return calls.

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 2018-07-02 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am a Bank of America customer ... both a deposit and a home equity account. 

I borrowed against my HELOC ( XXXX ) last Fall and in ~XX/XX/XXXX use the phone app to pay off the balance. For the following 2-3 months, I re-checked the app, the desktop site and visited the branch. All 3 said I had a {$0.00} balance. When the statement came to my house a month or 2 after all 3 said {$0.00}, I didn't bother to open it. 

In XX/XX/XXXX, my credit score went from an XXXX to a XXXX because XXXX reported me as being 30+dpd for {$5.00}. Apparently, there was some accrued interest that I didn't ( know I needed to ) pay. 

While technically accurate, I think it is wildly unfair that all 3 tools ( app, website and teller system ) all said {$0.00}, none clearly said 'YOU MAY HAVE ACCRUED INTEREST, PLEASE CHECK YOUR BILLING STATEMENT BECAUSE THAT IS THE ONLY WAY YOU WILL KNOW. IF YOU DON : T READ IT, YOUR CREDIT SCORE WILL GET SLAMMED '. 

As a side note, I never received a call, an email, a special letter or an online alert that something was late ... and all that for {$5.00}?!?! wow. 

I've since paid the {$5.00}. 
I just was the delinquency notification to all 3 bureaus reversed. 
I called XXXX and they said they would not reverse the notice to the bureau. : ( Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2018-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
A few years ago I had several collection accounts from XXXX XXXX XXXX, which were reported to all three credit reporting agencies. After these account were paid in full, I was assured that these account would be deleted from all three bureaus, and they were. About a year ago ( XX/XX/XXXX ),   five of these accounts appeared on my TransUnion report. After noticing that they were not on the other two credit reporting agency reports I contacted TransUnion and asked for an investigation. The investigation resulted in the deletion of the accounts ( XX/XX/XXXX ). However, about two weeks later they were back on the report. This went on for about five ( 5 ) times over a four ( 4 ) month period. I have called XXXX XXXX several times in which they have informed me that first of all they stop reporting to the credit reporting agencies after a year, secondly, they don't give permission for deletion and turn around and report again, and thirdly, they report to all three bureaus, not only TransUnion. TransUnion is not cooperating with the investigation and continue to delete and re-report these account, and in the meantime, my score is affected by at least 60 points. I do not know where else to turn. Your help in this matter would be greatly appreciated.

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 2018-07-02 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: FL

Complaint narrative:
Experian, I filed a dispute reference XXXX XXXX XXXX WA, through the dispute process. 
The role of the national consumer credit reporting agency in the dispute process is to review the accuracy and completeness of any disputed items which may include contacting the furnisher of the information and its source. 

It appears that Experian is rubber stamping what the collection agency has placed in their files without any verification. 

XXXX the original alleged creditor removed reference to this account during XX/XX/XXXX. 

In XX/XX/XXXX XXXX XXXX placed a reference to the above in my credit file. ( NOTE : The original date they claim is XX/XX/XXXX ). 

In alternating places in the Experian display they claim the amount due is {$1600.00} and or {$260.00}. The display does not show an amount due prior to XX/XX/XXXX 

That alone should have raised a red flag along with the differing amounts claimed due. 

Experian claims in their dispute resolution section, in their review the disputed has been verified as accurate but they do not say how it was verified.

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 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX card has been contacting my ex husband whom I divorced several years ago. Theyve been calling his office and cell phone number, even though my ex husband told them that he doesnt want to receive any phone call regarding me they still calling him and telling him about my debt and told him that I need to get an attorney. 

Earlier this year I asked XXXX XXXX to use my account assure that they advertise will help you during your hardship moment. Its all lie, not only they didnt lower my payment or comes up with solutions, they told me they cant help me because my payment is always up to date. Not only I lose my money from my account assure ( which also a scam the way they advertise it ) the communications with XXXX XXXX representatives are always bad, different people said different things and they dont have initiative to help. After being late for my payments ( in order to get help from hardship department ) they been calling me day and night, several times a day with unknown number and robo calls. They also threatened with contacting the attorney and will taking this seriously. Back when it started my debt was {$1200.00} with {$3000.00} credit limit. Now my debt is $ 1600+ because not only of the account assure didnt assure you to get help during hardship moment they keep charging me every month beside the interest fees!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/18, a certified letter was sent to XXXX XXXX XXXX XXXX regarding a debt owed in the amount of {$210.00} on my credit report. I specifically asked for authorization and validation bearing my signature regarding this said debt as I'm not aware of this claim. I was instead sent a bill demanding payment from another party named XXXX XXXX XXXX. I demand that they sent me validation of said claim or contact all 3 major credit bureaus to have this item deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
When I first contacted Equifax, I answered over 12 security questions, including name, social, previous address, current address, student loans, etc. I told them over 25 minutes the answers to the questions they asked and they still denied allowing me access to discuss my credit report. They have accounts that are being reported that are almost 20 years old, employers that do not exist, etc. I learned of all of this from applying at an apartment community recently as they gave me a copy of the report they received. It took me weeks to determine that the report they gave me was based on Equifax because it was through another company. I finally asked for a manager who asked me almost no security questions other than name, address, phone, etc ... and they immediately spoke to me about my account and agreed to mail me a full report. Today, after getting my report, I called one of their multiple numbers provided on my report. The number I called wanted me to verify three security questions. One was the confirmation # on the front of the report which I did exactly and verified. The next question was asking me my ss # which I did and verified. The other question was asking me the numerical digits only of my address, which I did and verified. After SEVEN times of verifying this information perfectly and identically as per the credit report I just received, they still denied my access to my account and said it did not match. I then found another phone number on the credit report and called in. I received the same run around I have time and time again. After giving my confirmation number that is on my credit report, I was told that the number does not exist. After providing my ss # I was told I did not exist again. When I asked for a manager he was mysteriously able to immediately pull up my account with the confirmation number and my ss #. I believe I am being scammed. The people taking calls are not of the USA and seem to relentlessly deny my access to my account on a regular basis. When I tried to log in on line to dispute items on my report, I was at first accepted to submit a dispute but then the page would not load. Upon refreshing, I was again denied access to my report even though I answered the security questions exactly. When I asked a manager why this continues to be a consistent issue on my account and my husband 's as well, I was told that " the system is still updating '' whatever that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TX

Complaint narrative:
Ive received repeated calls of from this place claiming they need my statement because I have multiple lawsuits against from XXXX XXXX XXXX XXXX for a past due balance ( XXXX is my current bank which I'm in good standing with, this is also reflected on my credit report. ) and from a XXXX XXXX XXXX XXXX. XXXX XXXX is a bank in XXXX which is a place I've never lived and I have never banked with. XXXX   keeps threatening me with lawsuits and harassing me with calls trying to collect debts that are invalid/incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 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: JOHN GIBSON AUTO SALES, INC.
State: AR

Complaint narrative:
There was a hard inquiry on my credit by XXXX XXXX XXXX XXXX out of XXXX XXXX Arkansas. I did not give them permission nor did I sign any documents giving them consent to rum my credit on Thursday XX/XX/2018. This is unlawful and I want this reported from my report ASAP. There is no justification in this I have not applied nor co-signed for a loan on XX/XX/2018. XXXX XXXX is fraudulently using my social security number and other personal information without my approval.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax free ID Theft Service is of no use to me as I had problems months ago logging into my account. I have tried to reach out by email to Equifax but the email bounced back. My old email address was : XXXX ( closed this email account this month ). I would like to use the free service but was unable to see any data of myself in my Equifax report since I was locked out of report. I was told by Equifax that my information like millions of Americans was breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery obtained credit card debt that was written off from the original creditors in XX/XX/XXXX; since then, they were not only calling our home several times a day ; but both of our elderly mothers at their homes! They would call my mothers house sometimes four times a day ; she refused to answer. We have no idea how they obtained their numbers. 

Finally on XX/XX/XXXX, I sent cease and desist letters for both of our accounts listed with this agency. Contact did not cease ; but I didnt send it certified mail/return receipt. On XX/XX/XXXX, I sent the letters again, writing second request. 

Today, XX/XX/XXXX, we received 9 envelopes in the mail from this company. Some included proof of credit card debt ; the other letters stated that we could request substantiation of the debt. The letters included with proof of debt owed are worded as, in response to your dispute ... 

Nowhere in the letters sent to them ( twice! ) was a request for validation, nor disputing the debts. It asked for them to cease and desist contact. 

Other letters sent to agencies sent us responses acknowledging our cease and desist request. Portfolio Recovery either employs people who can not comprehend/read the letter, or they are bold and continuing to harass us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Tired to cash a check of {$5000.00} dollars with B.O.A.!! Customer since 1995. Due to relationship with the Bank I could not. Check needed to be deposited. ( I also have two direct deposit accounts ). Don't know if the " Bank '' is catering to the " rich '' or if " racial profiling '' is the issue. In any event I felt that I was being targeted or punished due to past relationship. Not really looking for resolution as much as wanting my issue to be heard. Ty 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 2018-07-02 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: TX

Complaint narrative:
I am writing out of frustration. XXXX XXXX continues to report information to Experian Credit reporting service that shouldn't be there. The Home Equity Loan that they are referring to was paid off in XX/XX/XXXX ahead of schedule. I did file for a chapter XXXX bankruptcy in XX/XX/XXXX, and the Home Equity Loan that they are referring to was the only Mortgage on my home and I continued to pay the loan and did not miss a payment. The concerns I have are several : ( 1 ) How can a bankruptcy continue to be on my report after 10 years. XXXX XXXX have the negative information to continue until XX/XX/XXXX. This all started when I contacted the XXXX XXXX Unauthorize Account Settlement through an Email sent to me. I had several misallocations of my Equity Loan payments that led me to believe that they may have opened an unauthorized account. I wasn't sure, so I responded to the Email. Big mistake. My claimant conformation number is XXXX. 

I have additional information, Experian credit report, my equity Loan number is XXXX. If more information is needed please contact me and I can fax them over. I am a XXXX veteran and adding an additional 7 years of negative reporting on my credit report is practically a death sentence. Thanks for your 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 non-monetary relief