vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have notified XXXX XXXX XXXX that an account in the amount of {$71.00} does not belong to me. Yet they still report it on to my credit file. I have also notified Equifax yet my request has been ignored to remove from my credit file. I am a victim of identity theft and did not open or authorize this account or at any establishment that XXXX XXXX represent. I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I will be forced to sue all CRS 's reporting this account and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Credit report was obtained without permissible purpose that is required by FCRA section 604. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 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: TX

Complaint narrative:
Credit report was obtained without permissible purpose that is required by FCRA section 604. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: TX

Complaint narrative:
Credit report was obtained without permissible purpose that is required by FCRA section 604. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Re : CFPB # XXXX Dated : XX/XX/2018 CFPB # XXXX Dated : XX/XX/2018 To Whom It May Concern : Please note that I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act. The FCRA requires you to verify the validity of the item ( s ) within 30 days. If the validity can not be verified, you are obligated by law to remove the item ( s ). It has now been more than 30 days, And I have not received any proof that your company validated the debt. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I look forward to an uneventful resolution of this matter. 
Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CFM Group LLC
State: FL

Complaint narrative:
Hi, My name is XXXX XXXX. I live in Florida. I had a small grocery store in XX/XX/XXXX. For the credit card transaction I call the XXXX XXXX XXXX. This is a credit card processing company. After the contact they provide me a free credit card terminal ( XXXX  XXXX. Market value of this terminal around {$150.00} ). Its free for me as long I want to use their service. If not, I have to return them this terminal. I make business with them almost one and half years with no issue. In XX/XX/XXXX hurricane Erma came in Florida. And I get suffered very badly from hurricane Erma. The all city was out of power more than 10 days. So my business was closed more than 10 days. When power came back, I open my store and I saw my was totally empty. Some guys broke my store from back side and they stolen all Cigerates, beers, wines, sodas, juice, milk, candys, computer, laptop, all the groceries and valuables things. They also stolen that credit card terminal too. First I call the police for make a police report. Then I call the credit card processing company XXXX XXXX XXXX and splaying them what happens to my store and the terminal was stolen. They told me dont worry, we going to takecare of that. After that they never contracted with me. 7 months later suddenly I get a letter from a collection agency ( name : - Capstone Financial Management ). They try to say that I have pay {$3100.00} for the stolen terminal. I asked them the terminal market value is around {$150.00}. Why I have to pay {$3100.00}? They cant give me right answers. They told me, they gon na talk to XXXX XXXX XXXX and then let me know. They never call me back. I talk to XXXX XXXX XXXX, they told me they gave me 3 terminal and they gon na charge me {$1000.00} for each terminal. This is not true. They totally wrong, false, and lies. They never gave me more than one terminal. They are trying to charge me illegally. This is a bad company and they are doing fraud me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 a transfer was made into an account by mistake. Chase is not responding to request to return funds.

The amount deposited incorrectly into a Chase account was {$500.00}.

I contacted and subsequently filed a complaint with my Bank ( XXXX XXXX ) who informed me that Chase would not grant permission to retrieve incorrecty deposited funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: GA

Complaint narrative:
discover is taking an unreasonable amount of time with a balance transfer. The im trying to transfer a balance of XXXX but nothing is happening and I have no idea why its taking so long.the first one was started XX/XX/XXXX but i closed it and started a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Filled dispute for fraud charges made to card reported on XX/XX/XXXX immediately they close down cc. They would send out replacement card should received within couple of days. I placed a call informed would receive card on XX/XX/XXXX called several times every agent overseas not onshore agents. Informed me I would get the card. Money on the card they refuse to issue my money. Then, called spoke with supervisor inform me would be here on XX/XX/XXXX still no card. Need my money back and to close out this card. Has been nothing but trouble with this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: MD

Complaint narrative:
On sunday I was depositing cash at the BBT ATM machine, the ATM rejected some of the bills and started to return them to me but I was unable to get all the cash before the ATM took the remaining cash back into the machine and shut down with no receipt. I only got XXXX dollars back out of a XXXX dollar deposit, and when called they said it would take a couple of days. This created a couple of overdrafts and they have not refunded the fees.

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 2018-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA

Complaint narrative:
Bayview servicing illegally forclosed on my propertyat XXXX XXXX  XXXX XXXX .XXXX  mass broke the non-judicial laws of the safe of mass and consumer protection act banking law XXXX A never helped to modify my loan .XXXX XXXX and XXXX. XXXX filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Chances are that PayPal created other alternatives to harm me. I got randomly hit by a vehicle back in XX/XX/XXXX in connection with PayPal. I've ended up in the hospital and stuck with all these ambulance bills and other bills for no reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: CT

Complaint narrative:
On XX/XX/2018 I received a letter from my insurance company ( XXXX ) stating that my insurance policy would be cancelled as of XX/XX/2018 because Selene Finance had submitted a letter stating the property was vacant. The Rep. from XXXX stated they received the information from Selene on XX/XX/2018. While seeking with the Rep. from XXXX today ( XX/XX/2018 ) I informed her that I still was residing at the property that Selene stated was unoccupied. I was informed to send in a current utility bill and to also call Selene. I informed the Rep. that I was in the process of calling them and I am on hold waiting for someone to answer my call. I spoke with XXXX from Selene around XXXX and made him aware of my compliant and how it is not right that Selene Finance send out  false information other provider. I also informed him that I had been in contact with Selene a few time in XXXX since they did not credit a payment correctly which was finally resolved. I did ask XXXX if he could request that someone from the Insurance Dept. at Selene give me a call so that they could setup a time to come to my and visualize that I reside at the said address on file. I also informed him that I would be send over a utility bill and contacting Dept. of Banking consumer Affairs to file a compliant regarding falsifying document. This is not the first time that I had to deal with Selene about falsifying documents. How long does a consumer have to tolerate this type of action. I guess when the lender sees a well well groomed property they just assume that no lives there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/2018, I saw an alert on my credit report for an account from XXXX XXXX XXXX XXXX, Original Creditor 14 Santander Consumer USA Inc. on my XXXX, XXXX  and possibly on my XXXX  report for {$8500.00}. Fraudulent account with different balances that keep popping up on my report. I am in the process of disputing and they placed this on my account without notifying me. In addition, I have found Santander to be threatening, harassing and involved in unethical business practices, violating the FDCPA laws. This has affected my reputation, caused me emotional stress and has been damaging to my scores. Please delete these accounts immediately from all three of my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the West had a promotion to open a savings and checking account for a {$250.00} bonus ( XX/XX/2016 ). When I went to open the accounts at the XXXX CA XXXX branch, the staff forcefully opened a credit card account for me without my knowledge until after the fact. I insisted I did not want a new credit card, but they already pulled my credit without permission and did it anyway. The manager was also part of this as he confirmed it was not a hard pull ( it was a lie ). They also gave me a line of credit ( which I also didn't ask for ), based on my credit. The said it was part of the promotion package to build relationship with customer, which was false. No where on the promotion ad was mentioned that a new credit card account was needed to qualify. 

This is fraud and the worst banking practice I have ever experienced. I was so upset I closed the new accounts shortly without waiting for the sign up bonus to post. I also closed the credit card account after sometime. ( I did not close the card immediately to not mess up my credit score. ) This was over 2 years ago, but I just found out about CFPB so I would like to report this.

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 2018-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
During XXXX and XX/XX/2018, I was charged numerous fees in excess of {$300.00} and checks corresponding to the fees were returned. Many of the retruned items, linked to the fees, were less than the returned item amount. I was charged {$39.00} on item returned for {$19.00}. This is an unfair business practice that makes profits for the bank at a consumer 's expense. I am happy with the bank but not happy about the exhorbitant fees charged to me recently.

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 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
XX/XX/2012 we started with XXXX XXXX XXXX  XXXX XXXX. She assured us she would assist us with a modification or plan to save our home. We supplied the necessary paperwork and exchanged emails back and forth. During this time our home was actually broken into by a Preservation Company hired by XXXX XXXX. They did substantial damage to the home which we informed our attorney. We continue to work with XXXX XXXX when we found out they had been sold to XXXX XXXX during this time the house was occupied by tenants that distroyed the home. We filed an eviction and forced them out of the house. We then found out that it was infested with bed bugs. It took us many months to disinfect and remove sheetrock and carpeting to fully get rid of the bugs. Finally the house was cleared and we moved forward to get it rented again. Still working with XXXX XXXX on the modification we then were informed that the loan was sold again to XXXX. Once again we filled out the needed paperwork and calls to representatives to get the loan caught up. About 5 months ago the loan was changed again to be serviced by Loan Care. I have submitted paperwork again including leases, P & L, taxes and such. The reps we have spoken to our many yet no one has assisted us in moving forward to get this processed. Obviously from when we started this process in 2012 our situation has improved as the house is fully rented with reliable tenants and leases. Our income although not where it was 8 years ago has as well improved these conditions currently help in the request to modify our loan yet we continue to receive denial letters and not explanations. Our own attorney agrees that something is not right as well as other bankers I have spoken to. We DO NOT WANT TO LOOSE OUR HOME and are trying our best to ask for assistance. We have even sought 3rd party financing at a very high interest rate and have been prelimarily approved. Our question is how can they approve us and yet ( Loan Care ) won't even consider a option for us. We had the house appraised there is plenty of equity in the home yet we are still denied. Our credit is now ruined due to these delays which we have been trying to rebuild. We just need help to put this behind us and start fresh. Your assistance in this matter 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 explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I signed a contract with XXXX dealership XXXX  XXXX XXXX They told me 35 months I was going to pay XXXX a month but I didnt see on the small letters they are charging me 11 % dayly of the unpaid loan Witch is XXXX Made my first payment of XXXX Principal went down only XXXX Then the payoff amount every day keeps going up I didnt know Im paying dayli interest They never told me that

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OR

Complaint narrative:
I really have no idea. Where is this that comes from. I believe its XXXX. And I have not had that service in over 10 years. The statute limitations for collection has passed. As I started to clean my credit up. I suddenly got a bill for {$40.00}. They told me to just pay it. And I said I didnt owe it. And now I get aggressive phone calls daily. And the amount is now {$370.00}. This is a sold debt. That can not be collected upon. Because I do not owe XXXX a thing.

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 2018-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thomas George Associates, Ltd.
State: DC

Complaint narrative:
About three weeks ago ( or so ) I got a call from a number I didn't recognize. The man mispronounced my last name, which is common. I said, " this is XXXX '' to make it easier. My voice is actually kind of high, and he thought I was a child. He asked if I was " of age '' and I said I was. He then said it was about the XX/XX/2016 accident. I immediately said I haven't been in any accidents. He said I was " in the screen. '' I replied that I do n't drive, don't have a license and was not involved in any accidents. He told me there was an outstanding {$1000.00} ( approx, don't remember exact amount he stated ), and was trying to find a man, whom he named. I didn't know the name. He then asked to verify my address and I said no and hung up. 

Today, I got a letter from XXXX XXXX of Thomas George Associates , LTD in NY. The letter stated that the company had repeatedly tried to contact me and I had ignored them. This is the first time I have ever heard of this company. The letter goes on to state that I owe {$1400.00} based on a XXXX XXXX claim, but the ( claim number belongs to XXXX XXXX ). I have 30 days to dispute it then they send details and a judgment. The letter does not state what it is I am supposedly indebted for, or provide any details whatsoever. 

The letter has my last name very misspelled and my address contains part of my old address, so is slightly incorrect. 

I don't know if the letter and phone call are connected, but it feels like a pattern, or the start of one. 

I don't owe anybody any money and I was not involved in any accidents. No insurance company has tried to reach me about anything I would owe, and I can't imagine any reason I would owe anything. 

I called XXXX XXXX a few minutes ago and left a voicemail telling him I owe nothing and know nothing about this and that any further contact would be considered harassment. 

I am actually afraid this is going to be a huge problem and I am baffled how this came to me. I don't know what to do. I am afraid to contact that company again. 

Thank you for your kind assistance.

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 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am trying to get my credit report to reflect the correct information. I have found a few errors and thing that are not accurate. First my name is XXXX XXXX XXXX. My I am XXXX XXXX XXXX ( XXXX ) please delete any other employment information they are not accurate. My only phone number is XXXX please remove any other phone numbers. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please delete/remove any other address they are not mines possibly belong to another XXXX XXXX. I have attached my Drivers License and a utility bill for proof of my address. 
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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