vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery has called me numerous times. Their associates have regularly been threatening, abusive, and repeatedly ignored my requests to stop calling me. I tried to negotiate down the debt and they repeatedly told me no. Also they call before XXXX and after XXXX any given day of the week. I recently got a call last Sunday at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax is allowing XXXX to report inaccurate information on my credit report. XXXX is reporting that I have open accounts with them with outstanding balances. These accounts have been discharged through Bankruptcy in XXXX 2013. I 've reported this to XXXX, XXXX and Equifax. Equifax is choosing to ignore me and allow XXXX to report inaccurate information. I 've sent my discharge paperwork to ALL three Credit Agencies and XXXX but only XXXX  and XXXX are responding. This problem has been going on for the past 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
on XXXX/XXXX/XXXX my credit was pulled by ally financial auto financing. I contacted ally financial on XXXX/XXXX/XXXX in regards to this inquiry representative was very unhelpful and advised me to dispute it thru my credit report this is a fraud inquiry and my authorization was not given to pull this report.

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 2017-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RMB, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX, XXXX, XXXX calls multiiple times a day every day one right after the other

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal took {$5000.00} from my available balance in my business account and set it aside as a " reserve '' fund. They said this was done because my business is new and it would alleviate the risk of potential customer charge backs. They said this money would be held for 90 days and would be released on XX/XX/XXXX. I have reached out on 4 different occasions after XX/XX/XXXX to try to have my money released and no one at any department on their customer service line can help me reach a resolution. The reps always tell me that they will submit a request to the back office to have the funds released and I will get them back in 24-48 hours or I will receiver an email explain why my request was denied. I have not received any emails regarding my issue and the money is still being held. I can not reach anyone at the company to escalate my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I recently pulled a copy of my credit report and noticed two medical collections accounts being reported from Wakefield so I send them a letter certified. Requesting validation of this alleged debt they claim i owe them. I have requested that they prove that i am indeed the party they are asking to pay this debt the date of the alleged medical service the name of the patient and proof there is some contractual obligation binding on me to pay this debt. They have refused to provide copies of any agreement I have with them that grants authority to collect on this alleged debt or proof of acquisition by purchase or assignment and authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY Provisions AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY

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 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XXXX XXXX, XXXX, I applied for an apartment and my application was denied due to Equifax reporting inaccurate information on my credit file from identity theft incendents that have already previously been confirmed as identity theft and removed from my credit reports and files. I want every trace of the identity theft removed from my credit files so that I will never have this issue again when applying for credit. It 's not fair that I, as a victim, am still suffering from with the acts of XXXX against me at the identity Theft 's hands .... Please update my credit file promptly, so that any judgements, rental history, credit cards and loans are no longer showing on my reports as a result of fraud. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.
State: NY

Complaint narrative:
I was seen At XXXX XXXX XXXX and gave all the proper insurance information, address, numbers, etc. The billing department wrote my address incorrectly and I never received a bill. I was put into collections and XXXX XXXX XXXX called to collect the debt. It was then I learned that : 1. I owed the debt 2. My address was written incorrectly and i had never received a bill from the doctor 's office, nor from XXXX XXXX XXXX I asked the girl on the phone to send me a copy of the bill, so I can pay it- which she did not do - she sent me a copy of whatever she was looking at with no address to pay the bill. She also changed my billing address to the correct address. 

At that time I took the paper she sent to the XXXX XXXX XXXX and paid the bill. I was told I would absolutely be taken out of collections by the office manager, as well as the billing manager, as well as Nationwide Credit.
A week later, Nationwide is still trying to collect money for a debt that should have never been mine, and has since been paid. I have left another message for them and have not heard back from them yet. I do not want this to affect my credit score, which is in the top tier.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
I was contacted by the XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX WA XXXX from phone number XXXX via my cellphone on XX/XX/XXXX XXXX XXXX XXXX XXXX regarding a medical debt that I have been paying monthly since XX/XX/XXXX. I told the representative that they were in violation of TCPA and they did not have permission to call me on my cellphone. I asked them to cease and desist. The representative then went on to let me know they could contact me if they so choose to. On XX/XX/XXXX XXXX I received a call at my place of employment. I explained to the rep that I could not receive calls at work and would be terminated he then let me know he would continue to call and pursue additional collection efforts now that he confirmed my place of employment and the calls would continue.

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 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX and mortgage companies have submitted multiple credit inquiries on credit file with out consent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dates : XXXX.XXXX/2017 ; XXXX.XXXX.2017. 

Actions : Repeatedly tried to obtain my online credit report from XXXX to correct inaccurate information obtained within my credit file without success. 

I was denied credit for an auto loan which initially sparked my inquiry. 

Please advise.

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 2017-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Two complaints have been filed on this matter : one in  XXXX, and another in XXXX, regarding my HELOC ending in XXXX. 

The most recent complaint # : XXXX. 

I 've had two conversations with Complaint Resolution Specialist XXXX XXXX this week. 
# 1 : XXXX told me that Bank of America could find no error in the loan that Countrywide had established for me. I reminded XXXX that was because Countrywide offered me a HELOC over the phone, with no actual appraisal of my home. ( The loan amount was grossly inflated, base on what the Countrywide agent told me my home was worth ). Even though XXXX agreed that such an appraisal ( based on 'comparables ' in my neighborhood ) was not the ideal scenario, she never accepted or stated that this practice was totally unethical. 
# 2 : XXXX stated ( in conversation # 1 ) that she would phone me at XXXX XXXX on XXXX with a list of documents I needed to submit, if B of A was to re-consider the original loan amount or make any adjustments to the Countrywide loan. This was not an acknowledgement of any wrongdoing, she said, just a willingness to review my loan. 
On XXXX/XXXX/XXXX, at XXXX XXXX. ( I had to call XXXX, to see if our phone call was still going to happen -- she stated she was " running late '' and so had not called me ) we finally spoke. After XXXX began speaking, letting me know the call was being recorded, I mentioned that I was recording the call for my own reference. 
At this point XXXX 's tone changed considerably. XXXX XXXX told me that if I continued to record the call she would terminate the call. I reminded her that I was well within my rights to document what was said, reminding her that I had had many, many conversations with B of A and needed to keep dates, items discussed, and names straight in my mind. XXXX stated that since B of A was recording the call, I had no need to record the call also. Again, I stated that I was within my rights as a consumer to document the conversatiion, and that not being allowed to do so by B of A was a total RED FLAG. XXXX stated that B of A policy was to NOT allow recorded phone calls, and that we could speak in the future " after ( my ) review of this policy ''. XXXX XXXX then terminated the call without providing me with a list of documents I needed to send B of A, as she had promised to do.

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 2017-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
My wife and I purchased a home through the XXXX XXXX XXXX XXXX. We closed on that home on XXXX XXXX, 2017 less than ( 1 ) month ago, during the inspection process there were issues discovered and the seller through their listing agent a licensed realtor of XXXX, the property is located at XXXX XXXX XXXX, XXXX MD. XXXX. the problem we are having is that during the home inspection the inspector noticed water damage in the ceiling of the main bathroom. The seller through the listing agent working with our licensed realtor XXXX XXXX XXXX agreed in writing to fix the problems. As a result of more recent rains the ceiling in the main bathroom is unsafe and unusable. All attempts to have the problem fixed have resulted in further delays and excuses. Pictures of the damage have been sent to XXXX XXXX XXXX the listing agent for my wife and I and that represented us the XXXX family through the process. The information I have for the Realtor is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Thank You for your assistance. This is n't a complaint against First Home Mortgage, rather against the listing agent and seller of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: AL

Complaint narrative:
I 've been receiving calls from an Illinois # for the past few days. Today, I decide to call back before I blocker it. I found it is a collection agency by he name of ARA. They said they were calling about a credit card I opened in XX/XX/XXXX and last appeared on my credit in XX/XX/XXXX. I asked about the time ( it 's been 16 years ) and was told it did n't matter. Then I was threatened by saying they could or would sue me. Then the guy I talked to said they saw I was connected to another credit account that was in good standing and they would collect from that. I called back to tell them not to call me anymore. Each person I talked to ( when I called back was rude, unprofessional and still threatening. I arguedo n't that I did not have a contract with them and this debt is over 16 years old and should have been cleared. I was told hat they purchased the account and I owe them. While I was talking to the first condescending representative, he just forwarded me to the office manager WHILE I was talking. The office manager was nothe any less condescending. As im reporting to the supposed office manager, I 'm told, completely nonchalantly, that he would have to review the tape to corrobviate my story. I ask, how long it would take and he, again condescendingly replies : I do n't know. Should I continue to be harassed, I will pursue the legal route ... ..but not before I report them to the FEDERAL TRADE COMMISSION, ATTORNEY GENERAL AND THE BBB!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT WORLD SERVICES, INC.
State: KS

Complaint narrative:
Received statement in the mail about collection, I called asking for validation and was dealing with a very rude collection agent who then got her supervisor XXXX on the line! I asked XXXX for wet signature of the contract for which they are collection on, I asked for a company letterhead to include employee and managers name, the amount this collection company paid for this account and a copy of the companies XXXX and ein number. XXXX stated she would have to contact the original creditor for thisinformation so I wonder how are they reporting this debt without any information but the amount! XXXX aso stated she did not have to provide me with any XXXX or ein unless a 3rd party was making a payment, which I do n't understand! because they requesting payment from me and want all my information to makeup this debt! yet I do n't know who these people are! bottom line I is not my debt and they have not given me anything proving its mine yet they report it to XXXX XXXX XXXX! this is very illegal ... stop reporting or send me all documents I asked u for!

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 2017-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Activehours
State: WA

Complaint narrative:
Ca n't cash out said it waiting for my bank to send statement to XXXX XXXX. what taking so long to cash out. Need cash to prevent overdraft fees tommarrow XX/XX/XXXX. Please help me to fix this problem or ill be dealing with a XXXX dollar fee

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
they pulled back the loan and shut down my account without any reason or explanation. after i already purchased vehicle put money down and traded out my old vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Credit Management has been harassing my son ( who is in college ) and myself for the past 3 months by calling us with various telephone numbers. They contacted my son again on yesterday, while he was in class, stating that it is an absolute emergency and urgency that I be reached because I could be in danger. They never acknowledged what the problem was about. Seemed like the perfect scam to solicit funds by fast talking and creating fear of a relative. 

Yesterday, my son called and gave me one of the numbers. They were trying to solicit my personal debit/card information and were n't professional at all. They had foreign accents and had practiced exactly what to say for any occasion. Once, I made it plain that they would n't ever receive my personal information they wanted to know why? They said the following : ( 1 ) We need your personal debit card or credit card information for a debit. 
( 2 ) Why wo n't you give us your information? This is n't a scam. It really is n't. 
( 3 ) We have been contacting your son ( 4 ) We just need to keep you on the phone a little longer because we want to talk to you. 
( 5 ) I 've sent you two emails and it shows that you 've received them both. Have you gotten them yet? Stay on the line until you have received them. 

I never received the emails and I hung up! They have called again today and I have blocked the number. I am really wondering if this company was sold my personal information from another company? How would they be able to receive my personal cell phone numbers of my family members? I want the calls to stop because I feel that my personal life has been violated and anything that you can do to help will be greatly appreciated. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31 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: SC

Complaint narrative:
XXXX XXXX credit and mortgage companies have submitted multiple credit inquiries on credit file with out consent

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 2017-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX and mortgage companies have submitted multiple credit inquiries on credit file with out consent

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 2017-08-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Capital One XXXX made unauthorized charges to a personal account ending in XXXX from a business debit card ending in XXXX. This issue is ongoing and was unresolved after speaking with : XXXX - XXXX, TX Supervisor : XXXX - XXXX, TX On XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX, I sent a letter to Experian disputing an unverified debt on my credit report. Along with my dispute letter was a letter from the creditor stating that the debt can not be verified. 

On XXXX/XXXX/XXXX, Experian sent me a letter saying that they will not reinvestigate the information because I did not send relevant information. The letter I sent to Experian on XXXX/XXXX/XXXX included a letter from the creditor stating that the debt can not be verified. 

Please be advised that, Experian has specific responsibilities when reporting : XXXX. Procedure in case of disputed accuracy [ XXXX U.S.C. XXXX ] ( a ) Reinvestigations of Disputed Information ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and XXXX ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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