vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is not my account. Please remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA

Complaint narrative:
On aroundXX/XX/XXXX l returned the XXXX XXXX XXXX   XXXX that l purchase in Texas on XX/XX/XXXX as l was in process of Bankruptcy Chapter XXXX and Prestige approved the auto loan in which they was supposed to wait after my Bankruptcy Chapter XXXX and Judge discharged of XX/XX/XXXX. 
On XX/XX/XXXX l had major mechanical issues with vehicle and l was overcharged on purchase of vehicle and fraud auto purchase and loan with a high interest of 17 %. 
I respectfully requested that Prestige Financial Services pick up vehicle at XXXX XXXX XXXX, XXXX California with their third party vehicle recovery tow and vehicle was recovered with no issues. 
A vehicle inventory inspection was implemented with pictures and video for evidence for Federal government complaints case. 

Vehicle was returned to Prestige with no mechanical issues, etc. 

Since vehicle is returned to Prestige, there should be no Retaliation against me and been placed under collection to recover any remaining balance of {$17000.00} or any other amount after Prestige sells the vehicle in a auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I received a letter from Progressive Management Systems stating a debt had been assigned to them XX/XX/20. I received it mid XXXX and in less than 30 days of receipt I sent a letter stating I dispute their claim. 

I sent them a letter in writing disputing their claim via certified mail the next day, well with in the 30 days of receipt. 

I just received a notice that it had been added to my credit report with XXXX. This debit is properly disputed and should not be reported as such as this is not correct info. 

The company has never called me and has not supplied any data in response to my letter before they decided to tarnish my reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
My home mortgage was sold to Lakeview Loan Servicing LLC.  I received an initial notification letter and request for home insurance information in XXXX, and a statement in XXXX. I did not receive an XXXX or XXXX statement despite many calls to rectify this lapse once I realized what was happening and was being charged a late fee. The late fee was waived after a call, but the statements are still very erratic in arriving before the date in which I would incur a late fee and often do not arrive at all. I have called multiple times and have sent a certified letter requesting all my correspondence to be sent via US mail. Recently, I called and spoke to a supervisor, XXXX XXXX, who informed me that my file was correct and that the statements are going out. I have spoken with the postal service on different occasions and have been monitoring the mail coming into the XXXX hub. My XXXX statement still has not arrived and is due on XX/XX/XXXX. I have asked to have the mail tracked as the postal service suggested but Lakeview will not do this. I am not having difficulty with the delivery of other mail. I believe this to be a problem with the loan servicing company and request assistance with getting regular monthly statements in a timely fashion ( before the payment is due ) by US mail. I do not want online statements and feel that they are trying to force into this because on every call they try to get me to take my statements online.

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 2020-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a job offer for a company called XXXX XXXX ( https : XXXX ) on XX/XX/XXXX. XXXX XXXX, who is a HR Coordinator, contacted me to proceed and sent me an employment letter via E-mail XXXX. I found the job on XXXX.XXXX  conducted a job interview through XXXX XXXX  via XXXX. 

On XX/XX/XXXX I received checks from XXXX XXXX to purchase a remote work equipments. 
He asked me to deposit it on my bank account to purchase the equipments through one of their vendors. So I did so. 

On XX/XX/XXXX, XXXX asked me to send {$2400.00} to XXXX XXXX through XXXX on my Bank of America account. XXXX 's phone number is XXXX. 
I made the money transfer as he said. 

Finally I found out the information that the checks I have been sent are fake. I immediately contacted a customer support of Bank of America to stop the money transfer since it is still in the process. However they are not helpful to stop the transaction even though I am scammed. They told me that XXXX is an automatic transaction, therefore it can not be canceled. 

I think they should make an effort to stop it and protect their customers. 
They are not helpful to solve the problem before it is too late. 

I attached the conversations I had with XXXX XXXX and offer letter I have received.

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 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I didn't authorize the XXXX transaction after capital One Bank declined the transaction on multiple occasions due to the credit limit. 

The transaction is a violation of the Fair Credit Bill Act and is a fraudulent transaction without my permission after multiple transactions were declined by Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Although it was understated and proven fraudulent, XXXX  inquiry is STILL on my report. XXXX has not heard from me since approximately XXXX of XXXX when I specifically told them I was canceling my insurance because I felt they were overcharging me. ( I disputed this debt but am unable to see decision on my XXXX   acct and don't understand the wording next to it on my credit report ). However, they have UPDATED the account to XX/XX/XXXX, though they've NOT heard from me! XXXX SHOULD BE INVESTED BY FBI!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST INTERSTATE BANCSYSTEM, INC.

Complaint narrative:
I am a property investor with several properties in both Idaho and XXXX  XXXX as well as XXXX. When I was in the US in  XX/XX/2019 I was encouraged to open an account with First Interstate Bank in XXXX Idaho. At the time I signed all the forms and provided all the identification that they required. They did not indicate that would be any problem with me being an XXXX resident when I met with the representatives of the bank, XXXX XXXX. On returning to XXXX, they informed me that even after providing additional information to them and signing another form for the second time, they informed me that they were going to close my account. I wish to lodge a complaint against this bank for misleading statements and incompetence as it became apparent that they never should have offered me an account or opened one for me. This wasted a significant amount of time and I would like this matter to be investigated. I have discussed this matter with the local branch manager XXXX XXXX requested some form of compensation but they refused to do this. Please call me if you have any queries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity bank recently bought the XXXX Visa from XXXX   XXXX. I closed my account before the purchase was down and XXXX XXXX still had control. 

I reactivated the account with a new card that was sent to me by Comenity because XXXX  XXXX was no longer going to accept payments despite what I was told. I recently tried to close my account with Comenity who tired to tell me twice that my account was closed on XX/XX/XXXX, 10 days before I reactivated the account so I could pay. I know that they can see the record or where my payments came from and still have full access to using the card but they refuse to look at it or tell me exactly what they see. Comenity is  XXXX awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: GA

Complaint narrative:
I never received the phone from XXXX so this account was never activated. I report it few times to them and advised to claim to carrier for lost the package and forward the claim information to XXXX so they can close the account without impact my credit. 
I even received the ticket number from XXXX after I talked to few supervisor. 
However I found that they report to Experian as I still owe them the money for the phone that I never received. 
Here is detail on my Experian credit report. 

XXXX XXXX Account Name XXXX Account Number Cell Phone Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$3000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$3000.00} Original Balance {$3000.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$3000.00} Balance Updated XX/XX/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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
For the past several months I have been in constant contact with Experian reporting agency in regards to fraudulent accounts that are being reported on my credit report. On XX/XX/2020 @ XXXX Experian received a dispute letter on my behalf in regards to several accounts listed on my credit report that were from the direct result of identity theft. I was sure to include my full name, date of birth, social security number, and a copy of drivers license along with my dispute to prevent any identity issues. I recently received a letter from Experian stating that were unable to honor my request because I wasn't able to provide sufficient identification information for them to identify my identity. I find this automated response totally unacceptable and feel this is being used as a stall tactic since I provided more than one piece of several identifying information. It makes no sense for Experian to SEND ME a letter saying they need more information to Identify me. Experian has violated my consumer rights under the Fair Credit Reporting Act section 605b, & section 609.

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 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2020 Spoke to XXXX requesting resolve of fraud on my account After 45 mins she had to transfer me as she could not understand I explained to XXXX I HAD XXXX  XXXX I COULD NOT HOLD PHONE MUCH LONGER WITHOUT THE PAIN  FROM HOLDING PHONE CAUSING XXXX  XXXX PLEASE I CAN NOT HOLD MUCH LONGER She treathened to send EMS to my home IF I DID NOT CONTINUE TO HOLD EVEN LONGER Please LOOK AT MY RED PAINFUL XXXX  XXXX! ( * How cruel to require me to HOLD OR ELSE SUFFER CONSEQUENCES * ) THIS ON LINE BANKING ONLY GIVES ME NO ACCESS ON LINE EITHER XXXX PEOPLE HAVE RIGHTS MY CIVIL RIGHTS DENIED ALL OTHERS CAN GAIN ACCESS USAA has been telling me for 2 years they will correct Then they send me to collections WITHOUT GIVING ME ANY ACCESS ON LINE OR BY PHONE AND TGEY HAVE NOT RESOLVED FRAUD/ID THEFT ON MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Hunt & Henriques
State: CA

Complaint narrative:
Ive received phone calls just asking what is my social security number. They called from different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover bank closed an account I had open since 2013 and reopened it under a new account number to get out of the statue of limitations. The falsely reported the info on this new account they opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive been a victim of identity theft

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 2020-01-30 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
In XX/XX/2016 I moved to Florida. I had been paying the exact same amount for my car lease for years. Months later, I received a letter from Toyota Finance informing me that I had been underpaying for months and I owed significant penalties. I had never been late on a payment in over a decade, and I was never informed that my monthly payment had increased due to my move. I never ever missed a payment, I was underpaying because no one bothered to tell me my monthly payment increased. 

I have disputed this information on my credit report twice, and the most recent dispute resulted in an update to my account which now shows I was 60 days late instead of the 30 days it showed previously. I feel I am being punished for disputing this information. My credit score has now dropped even further because of this retaliation. This is extremely unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a mailer from local attorney 's advising me that a suit had been filed against me in XXXX XXXX County by XXXX XXXX. After searching the county database I found the court record that on XX/XX/XXXX RAS LaVrar Law Firm had filed suit on behalf of XXXX XXXX  ( complaint not available for view ). 

I have not received proper notice prior to the suit to request a validation of the debt. I believe the suit is meant to be an INTIMIDATION tactic and is an EXAMPLE of a PATTERN of ABUSE of the legal system practiced by this collection agency. I am unaware of any debt owed to XXXX XXXX  - I am unaware of any certified correspondence sent to my home or business validating the debt. 

CASE NUMBER : XXXX CASE STYLE : XXXX XXXX  XXXX, XXXX. XXXX XXXX, XXXX After speaking with on XX/XX/XXXX they stated that they did not show a lawsuit in their system. They claim a validation letter had been sent about the debt. 

This pattern of abuse of the legal system should be considered a violation of the FDCPA Sec. 808 ( unfair practices ). This firm has a long history of misrepresenting balances, validation and filed complaints by consumers. 

This agency needs to be sanctioned and fined if NOT sued by a class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There are unauthorized transactions that were made on my credit card and I attempted to dispute them with customer service and they were not removed.

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 2020-01-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AES/PHEAA
State: MA

Complaint narrative:
I received letters from the debt collector XXXX XXXX XXXX threaten to garnish wage this is absolutely not fair because we are willing to pay the student loan balance but the loan balance must be correct and must be agreed between lender and borrower. Since I do not agree with a loan term even I already cancelled but the loan service ignored my request because of this I stopped making payment to the loan service due to wrong information of loan ; it should not 'consolidation '. Loan service transferred loan to collection agency and they demand borrower to pay the collection fees this is not right. I have attached documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have had this CITI Bank for 5 years with no past due payments. Last month I got a call that I was past due. I advised that I had not received a bill and found out they were now using electronic billing which I do not use. I advised to send me a paper bill and I would pay it. I received a bill and paid the amount due {$320.00} but not the late fees and penalties. I have called twice refusing the penalties. CITI advises there is nothing they can do but send it to collection. I suggested it go to arbitration but they declined. 
At this point they want {$72.00} to stop the harassment which I refuse. 
Any help would be 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 monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
This is my 2nd complaint against SageStream LLC for the same problem. CFPB closed my first complaint on XX/XX/2020 with the reason being SageStream LLc has done there part and contacted me. This is not the case. After receiving an email from the CFPB I have since called SageStream LLC ( as per their direction in their response to my 1st complaint ) no less than 5 times per day on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and each time I have left a message with the details requested by SageStream LLC on their recording because they do not answer their phones EVER. Their recording states that all calls will be returned within one business day. I have not received a single return phone call to this date.

Company response to consumer: Closed with explanation