vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Creditor did provide information on how to dispute debt. Creditor has placed lien against my bank account until all monies owed are paid preventing me form using my bank account since 100 % funds deposited will be forwarded to creditor until requested amount is paid in full..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
This company has repeatedly called me from multiple numbers after I 've blocked them every time and have told them not to contact me anymore. They say they are attempting to collect a debt. I told them I did not have an account with them and I have n't signed any contracts with them. I told them that they have been harassing me and I had asked him to stop calling. When I asked to speak to a manager they would not let me speak to The manager so I can be their call list. This has been going on for over a year and I have multiple numbers on my block list from Family trying to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: MD

Complaint narrative:
Hard Inquires ( inquiry date ) on my credit that I do n't recognize or did n't authorize : XXXX/XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XXXX XXXX : XX/XX/XXXX XXXX XXXX-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 2017-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion 's dispute resolution does not permit the ability to request review for missing information. My record was missing a credit card account I have. A previous card was closed due to a data breach and was replaced. TransUnion only has the closed card on file. In addition, my addresses are incorrect on all accounts. There was no way to indicate a missing account or the incorrect address. I could only select from addresses on file to indicate which is the current address : not useful when they have n't updated my addresses on any accounts after 4 years. My record even included a note that my addresses seemed suspicious. Pretty amusing they had time to note such but did n't have time to update the information so such a note would n't be necessary. 

I could not ask for the replacement card to be added because the dispute resolution process did not permit this. 

Even a different new credit card account was added with the old address -- which could not have been reported by this new bank that did n't know it. 

As a work around, I submitted a dispute on the closed card, noting it had been replaced and that the addresses were in correct, asking them to find the new card and add it to their records. 

In response, they deleted the closed credit card from my record -- counterproductive. The resolution did not match the purpose of my dispute. 

Their website says to submit a new dispute as a method of indicating the matter was not resolved correctly. However, even though they say to " click on the New Investigation link above '' on their Online Dispute Service Investigation portal, they provide no such link and the page contains no menus and only permits viewing of the original report. While it 's possible I will be able to submit a new dispute once the results of this dispute are deleted after a month, it seems TransUnion is intentionally limiting the ability to submit dispute inquiries. 

Though, to some extent, I 'm only assuming TransUnion made my record worse through the dispute process : because I can only access the current resolution report through the resolution Online Dispute Service Investigation portal ( which says they deleted the closed account ), I can no longer actually access my information since it is only viewable when submitting a dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I filed for bankruptcy back in XX/XX/XXXX, and cashnet usa was notified of such, yet I get an email last week saying they sold my loan to a collection agency and of course now this is on my credit too ( collection record ). I emailed and advised cashnet USA that it is against the law to continuing trying to collect on something that was included in bankruptcy and they needed to pull my account from the collection agency and stop all collection efforts but it still has n't been done. They continue calling me trying to collect.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today on XXXX/XXXX/XXXX I called Transunion, since there was a 35 point drop in my credit score. My Transunion report was missing tons of information. When I asked why my credit scorXXXX at Transunion had dropped 35 points, he said he had no idea as well. I think proceed to ask the representative what my credit score was. He said because XXXX XXXX was a third party site ... my credit score was a different with Transunion. I then procced to ask him if he could tell me what it was, he said that he could not give me the number over the phone, then put my on hold. Then came back from hold and told me if I wanted to pay {$9.00} he could give my credit score and that he would n't give me the number because my credit score apparently only belongs to Transunion and unless I pay the {$9.00}, I would not be able to get my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
On XXXX XXXX, XXXX I was served with papers by Portfolio Recovery Associates PRA for an alleged debt from XXXX. I responded to the court order and served upon PRA a request for the following information as allowed by the FDCPA.
1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
PRA failed and refused to provide me with this information after my request and I have now learned that PRA did not have all of this information required of them prior to filing the lawsuit as required by ; UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU ADMINISTRATIVE PROCEEDING File No. 201s-CFPB-0023

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Creditor did provide information on how to dispute debt. Creditor has placed lien against my bank account until all monies owed are paid preventing me form using my bank account since 100 % funds deposited will be forwarded to creditor until requested amount is paid in full..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, Equifax received my dispute about Bankruptcys on my credit file as being incorrect. As of XX/XX/XXXX, I still have not received the results of the dispute nor has the information been deleted. When I called Equifax, the supervisor named XXXX with employee ID XXXX, states the information was sent electronically to an old email address and refused to send it to a new email address on file. Equifax has also not removed old addresses or employers as requested in XX/XX/XXXX. XXXX advised me the information has been verified with the Bankruptcy court, which I know to be untrue because the courts do not verify this information by calling them over the phone which she indicated is how it was verified. Equifax has not followed the guidelines set forth by the FCPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX/XXXX/2017, at XXXX XXXX, I received a phone call from Wells Fargo 's representative XXXX XXXX. She acknowledged my complaint but once again refused to allow me to record the conversation. She insisted on not providing the timely response, by stating the next follow up phone call will be on XXXX XXXX, which is over two weeks from today, knowing that we have been deceived before with false deadlines and exploiting our patience and generosity. This process has been going on for many months and Wells Fargo keeps refusing to release the appraisal in the acceptable format.

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 2017-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX the XXXX i applied for a personal loan for the amount of {$400.00} from a loan company named XXXX XXXX XXXX. At the same day, later on the evening, XXXX 's department of Bank of America called me and said that this is a fraud loan company and that they will return the money to the loan company and they will close my account. Since that day, i dont have access to my account because they close it and now i have the loan company keep calling me requesting the payments for the loan. I m trying to contact BoA but they keep transferring me to another department. I want to find out why after 3 weeks they havent send the money back to the company so they can close my loan?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX had a judgement lien and the judgement lien has been satisfied. If was satisfied on XX/XX/XXXX. I pull my credit report and it show I still own XXXX XXXX XXXX. I will enclose a letters from the Debt Collector and Court showing the release of Judgment Lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I negotiated my house mortgage refinance with Loan Depot at 3.0 % ( 15 years ) with no points. 
I submitted all the paperwork which took around 2 months. 
At the time of closing I was surprised to see Loan Depot was charging me points to get 3.0 %. 
Before completing signing / closing documents I called Loan Depot personnel and explain about same, but this person never agree to what I was trying to explained, eventually I signed on cancellation form. 
When I complained to Loan Depot via their survey, their associate called me and apologized and said something went and they could not give discount / rate they promised.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX I contact Wells Fargo about a return I was conducting with XXXX XXXX / XXXX XXXX XXXX in XXXX GA. I had purchased the dog kennel roof on XXXX just after retiring from the XXXX. I had moved 2-3 times after that date and misplaced the sealed from the factory box that I had never opened. Wells Fargo by 2 different reps in their dispute department told me to take it back and they would ( the bank ) fight for me. The store manager refused to take item back as it was over a year old and was quoting a 90 day return policy that was not listed in the store or on the receipt. On Wells Fargo advice I left the item in the store and walked out. 2 weeks later on XXXX I was advised by the bank they would not be doing anything if though 2 reps said it would n't be and issue. 
This case was escalated to their Customer resolution Executive Office that handles ATM / Card transactions on XXXX. It is now XXXX. I have not heard bank from the bank after the 10 day time frame. 
I do not have the product or/and have not been refunded the {$70.00} for this issue, WF claim # XXXX. 
All I want is my money back

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 2017-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
XXXX received a notice to levy my account for not filing taxes in WI. They emptied my account on XXXX XXXX and I received notice of this on the XXXX. I remedied the situation right away by filing the missing information and I confirmed on the phone with a WI representative that my money should be returned after they receive it from XXXX. 

I called WI today, the XXXX, and the person I spoke with said XXXX has n't sent the money yet and that I need to contact them to find out more. He said once they receive it, then they will return it, but they ca n't do anything since XXXX has n't done anything. 

I went to the local branch and the assistant XXXX said there was n't anything they could do. I asked for proof the money was sent or any type of tracking and he said that they could n't give me any information. Just that when they get a notice, they comply. I said I understand, I just want more information as I was told that Wisconsin has n't seen anything yet and I would like a time line on how things work. They refused to give me any corporate number and said I could try the phone support, but would likely get the same answer. 

The total amount debited was {$620.00}, the levy was for XXXX. The levy number was based upon a guess for how much tax WI thinks I would owe, had I filed taxes. The previous year I filed was {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Broward Adjustment Services
State: FL

Complaint narrative:
Collector Name : Broward Adjustment Services Balance Date : XXXX XXXX, XXXX Original Amount Owned : {$230.00} Account Number : XXXX Originated from Medical billing from Dermatologist at the University XXXX XXXX XXXX XXXX XXXX the agreed to amount, event though doctor added procedures not performed. 
After insurance paid, they sent additional bill, I called the medical department but they refused to even listen. I told them that I will not be responsible for procedures entered by error. They would not listen, then they sold the collection to Broward Adjustment Services. When they contacted me I told them about the issue, even agreed on partial payment so they would not put on my credit report. But they said either the full amount or nothing. This is medical fraud, overcharging and listing false procedures then selling it to a collection company. These practices by certain doctors taking advantage of their position and the system had to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
I 've had a 7 year relationship with Discover. I set auto-pay to ensure i am up to date on my payments to ensure I 'm continually in good standing. The three months my card was at or close to my limit and minimum payments paid, Discover reported me to the credit bureau as being over my credit limit. This has adversely affected my credit score. I do n't understand why this is when I authorized auto pay. This does not occur with any other credit card companies with whom I relations. Discover 's customer service can not give me a solution for this problem and they refuse to correct this problem with the credit reporting firms. They never contacted me to allow me to bring account bring my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
I opened an M & T EZChoice Checking account on XXXX XXXX, XXXX. M & T advertised a promotion that promised a {$150.00} bonus after a direct deposit of {$100.00}. I have met the conditions for the bonus and when I asked a customer service representative when the bonus would post, she told me that the promotion was targeted to particular persons and that my name was not on the list, so I would not be receiving the bonus. This is not true, the terms made no mention of this being a targeted promotion and I replied stating this. A second representative replied to me and she changed the story, saying that the account was opened in a region that was not eligible for the promotion. The terms also made no mention of this. M & T should honor the terms of the agreement that they made with the customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In XXXX i called trying to work something out on a charge-off account, the rep was very blunt to the point and no care with helping me. In XXXX, my mother called as a " co '' on the account, and they tried to get more money out of her through the negotiation process as seeming to be deceitful and ill- intentioned. I 've called a few times after, and when i address the issue, I 'm placed on a ridiculously long hold. Today i finally got a rep on the phone, and he was more interested in capitalizing on the situation of me wanting to resolve the debt with him, than getting me to a supervisor. It seems as if they are a collection agency chop-shop, instead of a professional collection office. I have a family member that actually worked at the company previous and told me that ALL representatives could have been a lot more reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 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: CA

Complaint narrative:
I write to this credit repository last XXXX XXXX, XXXX. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent letters after letters everything has came back verify they supposed to support me with the verify documents by federal law.

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