vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 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:
This is an error it does not belong to me : XXXX XXXX Opened XX/XX/2017 ( 4 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, My wife and I applied for a VA loan with BB & T. The original closing date given was XX/XX/XXXX. After 2 months of waiting, The Bank gave a new date of XX/XX/XXXX. On XX/XX/XXXX, the excuses being provided is that things are completed but not released. This are the same excuses that have been given for the past several days. 

The lack of effort to resolve the closing and paperwork has placed my family in a financial bind due to renter notice of leaving, moving company rescheduling, and several other foreseen problems with utilities and such. 

The processors have delayed the paperwork necessary to complete the loan process for over 10 weeks.

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 2018-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Recently, and for what seems to be no discernable reason, there was a 59 point drop in my credit score. I inquired the company, and they could not explain the justification. When working with their representative, he even noted that there was no discernable reason for such a drastic drop. While refreshing the credit report, it dropped another 4 points, again based on no significant change in the reported information. The use of arbitrary factors, in which consumers have no visibility on in which to relay a significant credit risk to creditors that the consumer can not reasonable discern is punitive in nature and violates the expected transparency of the financial and credit industries. Experian continues to downgrade my score with no discernable causation within my credit history. A complaint was filed with Experian, complaint number XXXX. There has been no action on the complaint.

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 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am a victim of Identity Theft.This account was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have inquiries from your bank that i did not authorize..These inquiries were made by my ex wife without my knowledge or consent XXXX XX/XX/2017 & XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
I was contacted by XXXX XXXX about a debt she said I owed. She said in order for this debt to be sasitifed and not affect my CDL with the state of Texas I needed to pay XXXX dollars I told her not to contact me this was on XX/XX/XXXX I sent her a affidavit of identity theft and a police report in XX/XX/2018 as per FCRA 623 ( a ) ( 6 ) ( b ). And it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: GA

Complaint narrative:
I filed a dispute with XXXX and Transunion ( XX/XX/2018 ) for a Chapter XXXX bk reported on my credit to follow suit about the findings of this bankruptcy. XXXX deleted this Chapter XXXX entry on my credit report due to their findings on XXXX XXXX and I've asked XXXX and Transunion to follow suit. Their findings came back verified with no valid response. Also, I have informed them that the Bankruptcy Courts do not furnish this information to the creditors and I find that they have not investigated this thoroughly because if they did, then it would have been deleted.

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 2018-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC
State: MA

Complaint narrative:
My name is XXXX XXXX. 
I visited XXXX XXXX XXXX XXXX on XX/XX/2015 to get XXXX on my XXXX in the ER. 
I was under the impression, that my insurance had covered my bill, and I didn't receive any intimation of a bill from anyone, until a couple of weeks ago, when I saw a mail from a debt collection agency, XXXX XXXX XXXX from XXXX Texas asking me to pay them for services provided in the ER. There notice and representatives stated that this debt was owed on behalf of XXXX XXXX XXXX of XXXX XXXX, but I never received any information from them asking for bill payment. When I called XXXX XXXX XXXX, they didn't show any record of me in their system. They have refused to provide me with itemized list of the costs totaling XXXX dollars, despite me asking them for a verification letter. I feel it is extremely unfair to have had the sent the bill into collections without giving me any notice of the bill and have a collection reported on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
To Whom It May Concern : I spoke to a representative XX/XX/XXXX making sure what I owe to USAA credit card will be handle clearly and smoothly and I am paying in a timely manner. The evidence was recorded as well because if you call them they will mentioned " our conversation will be recorded ''. They gave me option how to pay my credit and I agree with the settlement. I authorized them to deduct my payments thru my checking acct starting with {$55.00} and the upcoming months will be {$75.00} and the last month I will pay is {$110.00}. XX/XX/XXXX I called USAA just making sure what I owe is getting lesser ; I didn't expect what the result was {$730.00} which should be {$540.00} I start paying {$55.00} the month of XX/XX/XXXX and starting XX/XX/XXXX until XX/XX/XXXX I will be paying {$75.00} and then XX/XX/XXXX will be {$110.00} and that will be my last month to pay and I am free from debt to them. I called but they were not answering. I called someone answered and if they gon na transfer me to the department of billing and collection it will ring then after voicemail. This time I should be free from debt to them but they're making a hard time for me. Miscommunication and they should fix this and they're the reason why my credit score is low and may you fix that! I was a member once I deserve to be treated well not deceiving, and you fix my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Global Trust Management LLC
State: OK

Complaint narrative:
I received an email from XXXX  stating my account had been sold off to Global Trust Management. They are located in XXXX, FL. 

They called me in XX/XX/XXXX at my work location. I did not record the date as I didn't realize they were going to call me back. They left a voice mail on my phone and another employees phone stating they were " XXXX XXXX and they have something for me and to call them at XXXX ''. The number they called from was XXXX. 
I didn't return the phone call. The next day XXXX XXXX called again and I answered and advised I could NOT receive personal phone calls at work! I hung up. 

XX/XX/XXXX bw XXXX-XXXX - received yet another phone call from them at work. Advised I have already told someone I can't receive personal phone calls at work. and disconnected the call XX/XX/XXXX -  XXXX. Received a call that went to VM. The vm was from a " XXXX XXXX '' looking for my location and left the return number of XXXX. The number on the caller id was XXXX. They are obviously spoofing local XXXX numbers to call me from and leaving a call back number to the XXXX. 

XX/XX/XXXX - around XXXX Received a call from " XXXX '' from same location looking for me. Advised this person I cant take personal calls at work and I have advised them of this repeatedly. She stated she would code my account correctly and harassed me for a phone number. I told her I didn't have one as I can't afford it right now. I told her to mail me something if they need to contact me. She stated they mailed a letter in XX/XX/XXXX, which I did NOT receive. I have yet to receive any mail from this company. She confirmed she does have my correct address. She stated that legal action is about to happen and they can save me money and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/16 and inquiry was made with this bank for a Walmart card by my ex wife and without my knowledge or consent.I was unaware until i gained access of my XXXX XXXX account.

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 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/16 and inquiry was made with this bank for a XXXX card by my ex wife and without my knowledge or consent.I was unaware until i gained access of my XXXX XXXX account.

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 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
I am a victim of Identity theft. This account was unauthorized

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HUNTINGTON NATIONAL BANK, THE
State: RI

Complaint narrative:
My car was totaled XX/XX/XXXX. The insurance completed the payoff of their part of the loan the end of XX/XX/XXXX and there is a small amount of the loan left over. We have GAP insurance and I gathered the information that I had. I was missing the Statement of Payments and the original loan documents from Huntington Bank. I contacted the bank and the agreed to fax the documents to the GAP insurance company and send me a copy in the mail. This was around XX/XX/XXXX. I waited two weeks and contacted the GAP insurance and they had received the Statement of Payments, but not the original loan agreement. I then called the bank again and requested the original loan agreement be faxed to the GAP insurance and the 2 documents sent in the mail to me. 
The interest rate on the original document was different than the rest of the documents, so the GAP insurance requested a APR Rate Difference letter from Huntington Bank. I called Huntington Bank on XX/XX/XXXX and was told that the document would be processed that day. I talked to the GAP insurance on XX/XX/XXXX and was told that they had not received the APR Difference Letter yet. I called Huntington Bank again and was told that this letter takes 4 days to process! I then called Huntington Bank again on XX/XX/XXXX and was told that it would take 5 days! In this process, my account has been reported to the Credit Bureaus as delinquent.

Unfair and Abusive!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Because of a data breach at Equifax, I was sent a letter last fall letting me know that my personal information was compromised and that I was being offered XXXX  XXXX to monitor my credit information. I went online to do the registration prior to the XX/XX/XXXX deadline. Now I am being told that I never registered in time and I am not eligible for services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX a inquiry was made by my ex wife and i had no knowledge or did i give consent until i gained control of my XXXX XXXX account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was approved for the American Express XXXX XXXX  card on XX/XX/XXXX. The sign up offer was XXXX XXXX  points if you spent {$3000.00} within 3 months. The {$3000.00} spending requirement was met as evidenced on my XX/XX/XXXX statement. I have yet to receive the XXXX XXXX points. I have contacted American Express on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The responses have all been similar - someone is reviewing the account, please check back in " x '' weeks. 
It has now been close to 6 months since I have met the minimum spending requirement and have yet to receive the sign up bonus or any explanation as to the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PRA is in violation of their XX/XX/XXXX Consent order between their company and the CFPB by violating Consumers rights under FDCPA. PRA sent a collections notice on XX/XX/XXXX saying they purchased an account from XXXX XXXX XXXX and will not begin collections until 30 days after the notice unless I dispute. The FDCPA requires debt collectors to state the amount of the debt, among other things. They type of Account or An amount " Owed '' was not stated during the initial contact made with me via USPS mail. I mailed their dispute department a Debt Validation Letter stating that if they were not able to provide me with proper documentation, that they must cease collection activity. In their written response to me, they did NOT provide me with any proof of the Address on file for the alleged debtor, The original balance, The date the alleged debt became payable, The date of original charge off or delinquency, the amount paid for purchasing the alleged debt owed, the agreement granting PRA authority to collect the alleged debt, any proof or copies of any signed agreements or contractual obligations between the alleged debtor and the debt collector, any signed agreements wherein the alleged debtor agreed to pay the creditor, all statements while this alleged account was open, the name and address of the bonding agent for PRA, or the authorized signature for the creditor. They never provided me with any documentation to establish their rights to collect this so-called debt within the 30 day time frame. Their consent order specifically states they are not allowed to collect on debts they can not validate. Under the order, they must have the original account-level documents verifying a debt before attempts to collect on it when, for example, a consumer has disputed it. FDCPA, 15 U.S.C. 1692e, is clear when it states the law prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt. In the era we live in today, identity theft is at an all time high and this company is known for being in violation of consumer 's rights, paying millions of dollars in restitution! They can not continue to harass people based off of the information from these alleged " sellers of debt ''. Additionally, the response they sent was clearly an AUTOMATED response because the font was different and some inserted information contained all CAPS, which can also be interpreted as a SCAM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RNN Group, Inc
State: CT

Complaint narrative:
On XX/XX/2018 the HR representative at my workplace notified me they received an employment verification request from a representative at RNNGroup. On the form they submitted to my company 's HR department they had the correct last four digits of my social security number. They also had the correct work location and correct email address for my work location 's HR representative.

They asked my employer to verify I was employed with them, if I was part time, full time or seasonal and for them to confirm the company name and address.

At no point did RNNGroup say this was in regards to a debt, but when I went on to their website, it certainly looks like a debt collection business - even though they don't say they are a debt collection company. When I spoke to the representative from RNNGroup, they told me I was on a recorded line. They also told me they couldn't divulge the client for whom they were seeking this information for - only their " executive team '' could do that. Their website says they do data collection, but it is all very vague.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: FL

Complaint narrative:
On XX/XX/XXXX a inquiry was made by my ex wife and i had no knowledge or did i give consent until i gained control of my XXXX XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX a inquiry was made by my ex wife and i had no knowledge or did i give consent until i gained control of my XXXX XXXX account

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 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BCA Financial Services, Inc.
State: FL

Complaint narrative:
I am a victim of Identity Theft. This account was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: UT

Complaint narrative:
First National Bank of PA bought a loan that I had paid forward several years. When they bought the loan they hit my credit for non pay of the payments I was ahead. I reached out to the leadership team at FNB who contacted the bureaus and had the items removed. ( They also provided correspondence accepting responsibility and acknowledging there systems were not able to provide me a bill moving forward ). Two months later the same items showed up again on the credit profile. At this point I contacted the company again, they said they resubmitted and 30+ days later the items are still showing on my XXXX and XXXX reports. Furthermore, now my wife shows a civil judgement on her profile which the bank says they know nothing about. 

This bank clearly lacks the technical system to manager the business and I have significant concerns to there ability to manage my data at all.

Company response to consumer: Closed with non-monetary relief