vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: NC

Complaint narrative:
On XX/XX/2019 I received a phone call asking for someone who is not me. This is not the first time I got this call. I asked for them to stop calling this number, they have the wrong person. I keep getting these types of calls and want them to stop. The offending company is Enhanced Recovery Company, XXXX 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 2019-09-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2019, I went to the XXXX website to purchase a phone. ( Not finance ). An application to finance with Citizens was submitted in error and immediately cancelled. Both XXXX and Citizens said there should not be a credit pull because the application did not have time to process. I now see an XXXX inquiry from Citizens Bank on my credit report. I emailed Citizens to remove and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This Company is harassing me eveyday XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX everyday this company is putting notices on my door

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I agreed to a payment plan available at the XXXX. I withdrew from the class in XXXX, XXXX. I received a notice from the state of Maryland in XXXX, XXXX stating that I owe {$1200.00}. I received no written notification that I owed any money to XXXX ever. I received a notice from Harris & Harris , Ltd saying that they are collecting {$1200.00}. I was not given the opportunity pay this prior to going to collections. I was never given a breakdown of why the total {$1200.00}, when I was given a total of {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I paid Greentreen/ Ditech Mortgage on XX/XX/2019. The mortgage company claims no receipt of payment. My Bank statement clearly show the money was debited for XXXX on XX/XX/2019. The mortgage company has threaten to report my Credit as negative and charge a late fee. I provide the bank statement and proof of ACH delivery to Mortgage company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25 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: CA

Complaint narrative:
Acct # : XXXX Acct type : Medical Collection Furnisher : XXXX XXXX XXXX XXXX Dispute type : Incorrect date of first delinquency because of no supporting medical statement showing the exact date I requested to remove incorrect delinquency date from my credit history many times. Equifax always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). 

I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received any response. The medical bills need a statement date as a due date not a service date. 

THE DATE OF 1ST DELINQUENCY IS INCORRECT, BECAUSE THERE IS NO STATEMENT VERIFYING IT, AND I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: Lending Club Corp
State: UT

Complaint narrative:
LendingClu # XXXX is reporting lates on my account that I do not owe in XX/XX/16, XX/XX/16, and XX/XX/16. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: AZ

Complaint narrative:
XX/XX/2019 as well as XX/XX/2019 I have demanded proof of the reporting information on my credit report to be sent to me confirming I AM the alleged debt signer. Each Credit Bureau : XXXX, EQUIFAX, AND XXXX has failed to provide me original documentation in fact has failed to provide me any documentation regarding the accounts that are reporting to my credit report. 
I have sent in my drivers license to confirm my name is NOT the same as the account holder however they have ignored the evidence and continued to report all information is " verified ''. Also, the alleged debts are not listed with my home address but instead an old address I have not resided in for years. 
XXXX, EQUIFAX, AND XXXX does not due their diligence when consumers demand documentation making this company incompetent as a credit bureau reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: AZ

Complaint narrative:
XX/XX/2019 as well as XX/XX/2019 I have demanded proof of the reporting information on my credit report to be sent to me confirming I AM the alleged debt signer. Each Credit Bureau : XXXX, XXXX, AND EXPERIAN has failed to provide me original documentation in fact has failed to provide me any documentation regarding the accounts that are reporting to my credit report. 
I have sent in my drivers license to confirm my name is NOT the same as the account holder however they have ignored the evidence and continued to report all information is " verified ''. Also, the alleged debts are not listed with my home address but instead an old address I have not resided in for years. 
XXXX, XXXX, AND EXPERIAN does not due their diligence when consumers demand documentation making this company incompetent as a credit bureau reporting agencies.

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 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
On XX/XX/19, a XXXX County sheriff ( XXXX ) that I am familiar with from work, showed up at my current home residence to serve me with papers that I am being sued. XXXX is a close personal co-worker with whom I worked for many years at the XXXX County Department of Human Services. This was the first invasion of privacy violated by this debt collector. Upon opening the paperwork, I learned that I was being sued by the lawfirm of Pressler, Felt & Warshaw.  They apparently had entered a civil law suit against me in my county of XXXX with the very place I am XXXX for ( The XXXX County Courthouse XXXX XXXX XXXX and is very familiar with all XXXX County XXXX ). This was the second invasion of privacy that this lawfirm violated. I read all the information and realized that Pressler, Felt & Warshaw had filed a plea against me that included personal finance information from XXXX XXXX which included the amount I owed as well as my credit score and a back page showing all of my purchases and stores I shopped. This was the third violation of my privacy. XXXX County Courthouse now knows my personal information and is an XXXX that at the time of XX/XX/19 ( when the civil suit was served ) I was XXXX  by. Therefore, all of my co-workers as well as my boss, and higher up 's all know about my debt and when and where I shopped. This personal information should not have been entered into the XXXX I worked for at the time and is a HUGE violation of my rights! Also, there is no clear cut instructions in the lawsuit paperwork. There is no one to contact to find out if I have a hearing to attend and if, any, what time and day that would be. This paperwork is very vague as to any instructions on how to remedy this situation and considering it ruined my XXXX at XXXX County, I now have no way to even pay this debt off. I am currently unemployed with no compensation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Commercial Acceptance Company failed to comply with outcome investigation. Collection Agency stated if payment arrangements were set-up, file will not be placed on credit report. XXXX XXXX ( XXXX ext XXXX XXXX indicated call was never received and on vacation. Voicemail never prompt stating she was on vacation. This allowed unsuccessful attempts to reach XXXX. Requested a payment plan and once paid, account be expunged off credit report. XXXX abruptly stated, payment must be satisfied in one lump sum in order for expungement. Company failed to comply with FCRA along with results of last complaint to Consumer Federal Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/2019, I sold an item on XXXX which the money is setup thru paypal. paypal locked down my account and withdrew money out of my checking account without no notice. They did this several times. I ended up with bounced checks I did not expect. Then they allowed me access to my account and did it again as soon as I covered all the expenses on my bank account. I had the expense of every bounced check. I had to close my account so they could't do more damage. Then they went after the credit card so that had to be reissued. I try every means possible to get this taken care of to no avail. I have called several time, live chat, filled out the request form many times and I am still locked out. I have {$47.00} in my account. Paypal is no longer linked to my XXXX. I was told 2 weeks ago they were sending my money ... .another lie. It is now XXXX. I tried to close my account but paypal won't allow me to do that either. Aren't they regulated??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: UT

Complaint narrative:
XXXX # XXXX is reporting lates on my account that I do not owe in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX # XXXX is reporting lates on my account that I do not owe in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.

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 2019-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services
State: CA

Complaint narrative:
I have tried contacting ACS however they were bought out by Conduent. i have attempted to look for phone numbers or emails to ask regarding an closed account that appears to be open, none that are provided are in service

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting lates on my account that I do not owe in XX/XX/16, XX/XX/16, and XX/XX/16. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.

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 2019-09-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
experian lower my score 61 points, nothing on their site is noted for this decrease 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 2019-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Was harassed by XXXX XXXX XXXX XXXX out of XXXX XXXX, CA about a debt from 12 years ago. Was

threatened with being served if I didnt pay {$790.00} that day. Before calling me, they called family members harassing them too. Ive never received anything in the mail relating to the debt. They said they send paperwork to my former place of work and to an apartment that I lived in 12 years ago.

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 2019-09-25 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: U.S. BANCORP
State: GA

Complaint narrative:
I have paid a settlement offer to Cardmemeber Services for my US Bank, Cardmemeber Services Account. I received a letter from the company advising me my credit report would reflect a XXXX   balance. However, to date my credit file still reflects a past due balance. I have made several attempts to contact both the company and XXXX to have this infomation updated. Although, the credit reporting agencies of XXXX and XXXX report the balance correctly as XXXX. XXXX refuses to update the account balance after I have submitted four disputes.

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 2019-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit Corp Solutions Inc.
State: MT

Complaint narrative:
A woman named XXXX from this company called my employer and revealed she was a debt collector and embarrassed me in front of all my colleagues in addition to putting my job at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I was added onto this account as an authorized user in an effort to help with my credit score. I am not related to this individual, it was done through a company for me to make my credit score better. USAA Bank has been called by me several times for me to be taken off as an authorized user. Initially I was added on to help increase my  score. I asked to be taken off of the primary account because their balance started to go up and damage my utilization. This card account has never been registered, I have never even had a card to this account nor do i know the person personally. A business associate of mine arranged for me to be added on to help my credit. I asked them in XXXX to take me off and was told it was done and it wasn't. Every month since then it has hit my credit and they are using almost all of their card limit which hurts my score. I have sent the attached documents into USAA on more than one occasion, on XX/XX/2019 and again today on XX/XX/2019 with no resolution. USAA says they can not take me off the account and take it off my report unless the primary calls in. I am unable to reach the primary and i want off of this acccount asap. USAA has yet to help me with this. They mentioned the user blocked the card ( which it was already blocked ) but never deleted me off. I need help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: GA

Complaint narrative:
I've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see two XXXX XXXX accounts that are not mine. I've contacted the police and FTC. These items are still on my credit report : 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 2019-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CFAM Financial Services, LLC
State: LA

Complaint narrative:
I previously notified CFAM Financial Services on several occasions between XX/XX/XXXX and XX/XX/XXXX, that I am a victim of identity theft, and requested that the following be done : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account with the financial company XXXX XXXX which CFAM purchased the debt from. I did not open or authorize this account, and I requested that it be closed immediately. As of today XX/XX/XXXX, Ive gotten no response from CFAM Financial ....

Company response to consumer: Untimely response
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lending Club Corp
State: MT

Complaint narrative:
A woman named XXXX from this company called my employer and revealed she was a debt collector and embarrassed me in front of all my colleagues in addition to putting my job at risk.

Company response to consumer: Closed with explanation