vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-18 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: VA

Complaint narrative:
The credit bureaus, who profit from people having bad credit, is manipulating report information to keep certain people scores low. I pay my bills, all of, pretty much on time. When I miss XXXX payment for 1 month, which does not happen often, my score drop pretty much up XXXX points. I have been XXXX with the same credit scores forever XXXX to XXXX. Sometimes it drops to XXXX. Really. I pay my Bill 's, I make XXXX a year. This practice mainly affects minorities. Also why is Equifax still allow to provide credit scores. This is disgusting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX. On XX/XX/2017 thieves broke into my car and stole my purse with my Bank of America debit card and my personal ID. Immediately, I called the back to have my credit cards cancel. I made a police report. Because I collect my pension from XXXX, I couldn't cancel the bank account itself but work out with the bank personal to keep this open and they open another one in the meantime. I called my bank in XXXX the one who deposits my pension- they were also aware that I was changing bank accounts but asking me to keep it open because of bureaucracy the change can not be made immediately. During all this time the bank personnel was aware of this ... and were waiting for my pension.. ( less than {$500.00} per month ). They were also aware of what had happened related to my stolen purse. My bank account never NEVER has had more than {$500.00} dollars. I don't even have personal checks, I just use the debit card, I don't have a credit card. Thieves first cashed {$60.00} dollars. I called the bank and they refunded it. But days later they fake a {$1.00} deposit and cashed too ... I never had that amount on my bank account. During all this time I called the bank many, many times, and they told me they were investigating ... HOWEVER, after waiting for weeks, I got a letter that says that I owe the bank {$800.00} ... and that the incident is closed. I did not pay that. But now, two years later the bank deducted {$160.00} dollars ( all that I have ) from my bank account + {$40.00} + {$70.00} the following days so my account is in red. I contacted the bank and the only option offered was 'a payment plan ', I am desperate. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly a collection in the amount of {$370.00} on the XXXX XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) First, this account does not belong to me ; and Second, this line item is being reported twice. This is a violation of the Fair Credit Reporting Act. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-18 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: WA

Complaint narrative:
Equifax is reporting incorrectly a collection in the amount of {$370.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) First, this account does not belong to me ; and Second, this line item is being reported twice. This is a violation of the Fair Credit Reporting Act. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bliksum, LLC
State: CA

Complaint narrative:
Right NOW i am going through a financial hardship. I advised LOAN me not to call my employer. Today at XXXX PC a rep by the name of XXXX contact me ... i asked why was she calling my employer ... i told her i advised them not to ... she then went on to try to discuss a settlement while im on the phone at work. This was embarrassing and can cause me to lose my job!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have called Equifax several Times about information on my credit report.

After the Ask me for my Full Name, DOB, Social Security number and Address they tell me that I have to sent in a copy of my drivers License, Social Security card and a Cover letter asking them the same Question, that I called for. 
Why is it that after we give them our personal information, they tell us that our questions can not be answered and want us to send personal info through the mail?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
My leased XXXX BMW was totaled on XX/XX/XXXX in XXXX county, New York. 
I've been an excellent customer of BMW for over 5 years, all lease payments and insurance payments were current.

I have New York Total Loss provision in my lease contract where it states " I'm not liable for an additional early termination charge '' etc.

My insurance company gave them a check cash value, taxes fees etc. and an outside valuation report.

BMW has sent me to collections, claiming I owe {$4000.00} and am responsible for terminating my lease early and penalized as such for fees and taxes. 
The car was classified as " new '' on my lease agreement although it had XXXX miles on it when purchased.

BMW is charging me {$1200.00} for overmileage at time of crash, and refuses to recognize the previous mileage upon inception.

My insurance claims adjuster has tried to contact BMW over 15 times and put on hold for over 15 minutes and will not spend any more time on this matter.

BMW will not send me any documentation supporting their claim that the car cash value is @ $ XXXX. 
No outside agency values the car at that price. 
I've sent a certified letter to them in reference to this matter, as well as XXXX internal messages on their secured server.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. I AM NOT LIABLE TO THOSE ACCOUNTS AND I WOULD LIKE FOR THEM TO BE PURGED COMPLETELY OFF MY CREDIT REPORT. THOSE ACCOUNTS ARE INACCURATELY REPORTING ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION INTO THIS MATTER

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 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Re Midland Credit Management ( " MCM '' ). 

In late XXXX, one of my credit cards owned by XXXX XXXX was stolen and roughly {$350.00} of products were purchased with the card before I found out. I filed a fraud claim with XXXX, which reversed all charges, and also investigated the claim for me. My account with XXXX is current and has been at all times since that event. 

18 months later, MCM began attempting to contact me, first by mail, then via literally 100+ phone calls and voicemails, claiming that I owed XXXX this amount, the amount was not paid, and they now owned the debt and were collecting on it. Having dealt with nefarious collections agencies before, I refused to engage them, knowing that I was and still am under no obligation whatsoever to do so. For more than a month, MCM agents called me 7 days a week, night and day, using scores of phone numbers ( which I used internet searches to trace back to them every time ) to harass me over a non-existent debt that either ( 1 ) they knew was not real, and thus they were fraudulently pursuing me, or ( 2 ) they acted with gross negligence on, not even attempting to confirm whether the debt was real. ( Even if someone fraudulently " sold '' the debt to them, they still clearly made zero effort to confirm its validity or status when they began contacting me in late XXXX. ) One day ago, MCM filed a claim with XXXX, alleging I was delinquent on this account. The claim sent my credit score down almost sixty points. I am in the midst of pursuing investment opportunities that involve possible loans, as well as assisting my elderly mother with her own homebuying activity right now. This false impact to my credit report damages me well, well, well in excess of {$350.00}. ( I have already filed a claim with XXXX. ) MCM is acting fraudulently, or with gross negligence, with respect to the claim for which MCM is wrongly attacking me, and, in doing so, MCM is using what I believe to be illegal, and without question reprehensible, tactics. MCM needs to be stopped and to compensate me for the damages it has caused thus far. 

Upon request I can produce phone logs, mail, credit report details and historical emails regarding this incident and the related fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Payment made to account in full and on time. The amount of {$1500.00} processed through my bank on XX/XX/19. I called customer service but Synchrony did not apply the payment to my account and has refused to look for it. They have charged me interest, and penalties since then.

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 2020-02-18 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched XX/XX/XXXX. XXXX XXXX {$120.00} purchased XX/XX/XXXX. Fraud Claim Investigation Results does NOT GIVE A CLAIM DATE. It gives a TRANSACTION DATE and says THE CREDIT WE DEPOSITED AT BEGINNING OF INVESTIGATION HAVE BEEN REVERSED. THIS RETURNED ITEM WAS NOT REPORTED AS FRAUD. ** Kindly Note USAA fraud policy places ( adjustment purchases temp credits provisinal credits awaiting merchant credits within 5 days of fraud reported. THERE ARE NO USAA CREDITS TO REVERSE. This item was returned to the store and WAS NOT REPORTED AS FRAUD BY ME. XX/XX/XXXX Credits provided by XXXX XXXX were reversed and NO USAA CREDITS WERE DEPOSITED AS FRAUD WAS NOT REPORTED. Let this letter prove NO TEMP PROVISINAL ADJUSTMENT PURCHASES WERE GIVEN XX/XX/XXXX. ( see statement XX/XX/XXXX ) TO BEGIN FRAUD INVESTIGATION FOR THE {$120.00}. USAA RETAILATED AGAINST ME FOR REPORTING ID THEFT claiming I reported what I returned to the store as fraud. UNTRUE. This is slander/defamation and if XXXX  does not fix what USAA reported XXXX  becomes an accessory to slandering my good name. I DID NOT REPORT FRAUD ON RETURNED ITEMS. THAT IS A LIE FROM USAA ( XXXX XXXX. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Hello to whom it may concern my name is XXXX XXXX and I was giving fraudulent checks to mobile deposit in my account in exchange to help pay for stock and for me to keep the remaining money left over from the stock payment. I was dating name XXXX XXXX Gave me fraudulent checks to mobile deposit and when the checks were deposited Mobile. the check cleared and it became available instantly. The signature on the check is not mine .I did not know that the bank would clear a check that I did not a have the money to cover and did not wait 24 hours to deposit. I called the bank Monday, XX/XX/XXXX around XXXX XXXX to ask if the check cleared and if the money was really there and I was assured that everything was OK. XXXX XXXX had access to my phone and sent the money that was deposited via mobile checking app, to what I thought was stock market but sent it out to people on XXXX XXXX in XXXX XXXX and XXXX. The bank did not catch the fraudulent charges until all four of the checks cleared totaling 8000+ dollars. I have not spent the remaining amount of money of 2000 almost {$3000.00} so is there anything anybody can do to help me I dont have the money to pay back {$6000.00}. Im a single mother and I work for myself I have never made such a large deposit is there anything anybody can do to help me catch the people involved in this.Now the bank is also saying Im involved in first party Fraud and I cant get a hold of anybody to explain to me what that exactly means and what are my options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I recieved a letter regarding an alleged debt from PCM mangement ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ). I sent them a certified letter on XX/XX/2020 regarding them having unauthorized access to my medical information. Specifically i attached this language in the letter : " Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. " I am very concerned about a 3rd party having access to my medical information without my consent. They have refused to respond to my request for validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: AR

Complaint narrative:
This is the second time my identity has been compromised. I don't understand why this continues to happen to me. I tried to take measures the first time and nothing was done and now it has happen again and there are many accounts that have been opened under my social security number. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX {$360.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$6600.00} XXXX   XXXX {$650.00} XXXX XXXX XXXX {$25000.00} XXXX   XXXX {$87.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$350.00} XXXX XXXX XXXX   XXXX {$400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rodenburg LLP
State: MN

Complaint narrative:
Law firm ( named below ) garnished checking account on XX/XX/20. I had sent exemption form in prior to this. Sent required documents ( exemption form, bank statements and case numbers of eligible government programs received ) on XX/XX/20 and XX/XX/20. Law firm is now saying they need more information. 
( XXXX XXXX, Attorney RODENBURG LAW FIRM XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, ND XXXX Tel : XXXX, ext. XXXX | Fax : XXXX | Email :  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 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: Nelnet, Inc.
State: AZ

Complaint narrative:
I had a student loan with the government that I defaulted upon. It was taken over by US Dept of EducationXXXXGLELSI, but it has been transferred many times. On XXXX, it was closed due to transfer on XX/XX/2016. The transfer date for XXXX  is unknown. According to XXXX, it is '120 days past due ' and XXXX list it as '180 days delinquent ' which are both false. XXXX XXXX  XXXX in AZ are the current holders of this debt and I have been paying them regularly so this information on my credit report is wrong. I have tried to correct it with the various agencies but they kept giving me the runaround, meaning being told that they can not help me or it is under their control anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tri-State Adjustments, Inc.
State: MI

Complaint narrative:
back in XXXX of XXXX, I was living in my friends garage in XXXX XXXX, they kicked me out, and made me homeless XX/XX/XXXX. Before that, I had XXXX XXXX, and was in XXXX XXXX XXXX in XXXX XXXX & they sent me home with the XXXX XXXX and carrier on wheels. Prior to being kicked out of the garage, I knew I had to return the equipment, and did try to return it, by phoning the delivery man, that dropped it off, he was supposed to pick it up, but never did, so the day I was kicked out & made homeless, I was forced to leave it at the address of XXXX XXXX XXXX XXXX , XXXX XXXX, NV XXXX, USA. That very day I was kicked out of the garage, I suffered XXXX XXXX & was hospitalized, and then when released from the hospital, I had to live in a XXXX   XXXX  for 4 months, in XXXX, Michigan, called the ' XXXX XXXX " at XXXX XXXX XXXX., XXXX, Mi., Phone : ( XXXX ) XXXX I have explained all this, months ago, to a representative at XXXX XXXX , that I also am living on XXXX. and have suffered quite a hardship, they told me, they were going to write it off as lost, and as a loss, and that I would not be having any more collection agencies calling me, and that they would wipe this amount off of the bill. I explained this back last year in XXXX, XXXX.,  and again today XXXX XXXX XXXX XXXX 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 2020-02-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
If you have other complains on this company I will add mine. If not I will just charge it to bad experience. 

Fortiva Retail Credit open an unauthorized/ declined credit card application and send payment of {$2500.00} to a merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation