vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
Waypoint Resource Group uses illegal spoofing practices to disguise their phone number on my caller ID. They attempt to call me frequently during all hours of the day, sometimes early morning before XXXX XXXX. They do not state what their business is or why they are contacting me unless I give them personal information about myself. When asked whether they are a collection company, the representative states that they are not. If they can not reach me, or if I don't answer their phone call, they then contact my fiance on her phone. On XX/XX/2018 at approximately XXXX, Waypoint Resource Group called my fiance on her phone with her caller ID showing my phone number when I was sitting next to her. If I wasn't sitting next to my fiance at the time, she stated that she would have answered, thinking it was me calling her. On XX/XX/2018 at XXXX, Waypoint Resource Group called my fiance on her phone. She did not answer. I have filed a complaint with the FTC against Waypoint Resource Group for their harassing phone calls, their illegal spoofing practices, and for continuing to contact both me and my fiance after they have been told to stop. The phone calls began in XX/XX/XXXX and are growing in frequency. My fiance and I no longer answer our phones if we don't recognize the caller ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
Phone call said a rebate available if I reloan with them. First was told {$10.00} by manager then when arrived told {$20.00} by another. When I call day before due was told {$45.00}. I CONFIRMED THAT a second time with the clerk. I assumed mistake made. I called next day BEFORE I left home and was told {$45.00}. I had a ton of paperwork to sign too ; then was given {$20.00}. I protested. Manager callEd her boss. I heard her LIE and said I wanted {$50.00}! She would NOT give me my paperwork back either. I will SWEAR in a court of law and take lie detector test. I was told {$45.00} three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Late XX/XX/2018 I went to check my account and found out that I owned Bank of America {$4000.00} dollars. I was shocked to see that I owe the bank money. So I called the bank to see what was going on. They told me that I owned them {$4000.00}. The bank told the check was counterfeit check. I told the bank I had know ideal that the guy I worked for at the time paid me with a counterfeit check. I bank just told me there sorry but their is noting that they can do about it. They said it s call a good faith check. Telling me I have to have faith that the person or company haves the money in there account. I told they I don't have the money to pay them back. The bank told me I can make payments for XXXX every two weeks started in XX/XX/2018. I told them I can pay them XXXX every to two weeks. So they have closed my account.

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 2018-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I lived in the apartment complex in XX/XX/XXXX this debt is saying that it was opened in XX/XX/XXXX and after I disputed the the debt they doubled the amount owed! I have attempted contact them by phone multiple times with no response! I am not sure what to do to get this issue resolved and I really need some assistance with getting this resolved.

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 2018-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Good Evening ; I have disputed this item with the credit reporting agency and with the collection company as shown on my credit report. I spoke with several representatives, and recently with XXXX at First Financial Resources and she mentioned that either my health insurance ( XXXX ) or/and XXXX XXXX ( auto insurance ) should've taken care the debt but they haven't yet. But instead of going back and forth with them, I went ahead and paid off this debt and she agreed that it would be removed permantely from my credit file. 

Also there are several inaccuracies with the way it's reporting and that's a total violation of FCRA and FDCPA guidelines. But In a good faith effort to resolve the matter amicably, I must demand the company to honor their part of the deal and remove this from my credit as agreed. 

PLEASE SEE THE ATTACHMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 non-monetary relief
Consumer complaint received 2018-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revenue Assurance Professionals LLC
State: TX

Complaint narrative:
I contacted Revenue Assurance Professional via phone to resolve the matter of the debt, I asked the agent could they take a settlement amount that was less the amount I owed and she stated that their client dont settle they only accept the full amount or either partial payments or monthly installments until amount is settled in full. I specifically told the agent that I can NOT make any arrangements or commit to anything and I would contact them at another time. Nevertheless, I recieved a letter in the mail stating that I made a promise to pay XXXX on XX/XX/2018. That is false information Ive never agreed to pay any amount to them, they are providing false information and violating my rights as a consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2018-12-29 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: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was denied a low income loan to obtain a city habitat low income cooperative. I was denied because the credit bureaus refused to fix my credit. False reporting of seven credit cards in 2017. Remarks of delinquency and derogatory charge offs and late payments remain on credit too long over seven years almost twenty years. I lost the only benefit of housing opportunity that will remove my homeless status in society. These credit bureaus are inefficient and unable to report accurately cause detrimental destruction in individual persons lives.

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 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was denied a low income loan to obtain a city habitat low income cooperative. I was denied because the credit bureaus refused to fix my credit. False reporting of seven credit cards in 2017. Remarks of delinquency and derogatory charge offs and late payments remain on credit too long over seven years almost twenty years. I lost the only benefit of housing opportunity that will remove my homeless status in society. These credit bureaus are inefficient and unable to report accurately cause detrimental destruction in individual persons lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient is harassing by calling way too often - and with auto dialers. 

Navient will call around 10 times a day from various numbers - whether you pick up or ignore the call it's the same message or silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
When I first started working on my credit in XX/XX/XXXX I had a collection on my report from XXXX XXXX for a XXXX account that was listed under a name that I had never done business under, XXXX XXXX ( my maiden last name is XXXX ). This account did not belong to me, I disputed it and it was removed from my report. On XX/XX/XXXX I received an alert that this debt was added back onto my Transunion credit report from a company by the name of XXXX XXXX XXXX. I disputed it right away as this debt does not belong to me AND I was never notified of this debt being re-inserted onto my report, which legally I am supposed to be notified in writing by the credit reporting agency within 5 days that something will be re-inserted. Transunion failed to send me anything regarding this. I disputed it right away with Transunion stating this and that the debt does not belong to me and after only 4 days of investigation they have returned the result that this debt has been verified as accurate. This debt does not belong to me and was illegally re-inserted on my report. In addition I have received nothing in writing from XXXX XXXX regarding this debt, therefore I was not given the chance to request validation of this debt.

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 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card Still showing after bankruptcy, I have tried contacting Discover directly and used a credit fix company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
AMERICAN EXPRESS BLUEBIRD CARD I MADE A PURCHASE ON FROM XXXX XXXX WEBSITE I DECIDED THAT THEY DIDNT HAVE MY SHOE SIZE IN THE COLOR/STYLE THAT I WANTED, SO I IMMEDIATLEY REQUESTED A REFUND AND XXXX HAVE RETURNED MY MONEY - {$270.00} ON THE XX/XX/XXXX SUCESSFULLY. AMERICAN EXPRESS BLUEBIRD IS REFUSING TO GIVE ME MY MONEY - {$270.00} THE SPRVSR IN ESCALATIONS W/AMERICAN EXPRESS BLUEBIRD XXXX VERIFIED THAT THE PAYMENT WAS RECVD FROM XXXX   SUCESSFULLY ON XX/XX/2018. I HAVE CALLED, CALLED, AND CALLED NUMEROUS TIMES ONLY TO HEAR THAT MY REFUND IS UNDER REVIEW-NOT REQUESTED BY ME TO REVIEW AND WASNT DISPUTED JUST A SIMPLE RETURN AND BLUEBIRD HAS ALREADY VERIFIED WITH ME THAT YES THEY HAVE MY REFUND FROM XXXX. THEY PLACED A 7DAY REVIEW ON MY FUNDS AND I HAVE NO WAY TO GET MY MONEY BACK. IT IS NOW THE XX/XX/XXXX AND I STILL DONT HAVE MY MONEY. AMERICAN EXPRESS BLUEBIRD IS REFUSING TO RELEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WA

Complaint narrative:
I got a reply, but I couldn't get the answer I wanted. 
The bank is shirking its responsibility by answering that it is not its authority. 
you must be transfer responsible department about this issue. 
I got the money back. after in ten days

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 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Card Still showing after bankruptcy, I have tried contacting Capital one directly and used a credit fix company.

Company response to consumer: Closed with non-monetary relief