vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a voicemail message from an unknown number. When I returned the call at the number a woman left, I spoke with XXXX XXXX of XXXX XXXX XXXX, working on behalf of XXXX XXXX XXXX. He said he was collecting {$1700.00} for US Bank, where I was a former customer 14 years ago, and that if I refused to pay, I could be liable for 3 times that amount. Fearing that it might pop up on my credit report, I agreed to pay, since after all, Mr. XXXX had my former address at the time of the debt, my Social Security number, and specific DDA details. Still feeling suspicious, I did some internet research, and found out that US Bank sold my debt to XXXX XXXX XXXX back in XXXX, a firm whose CEO, XXXX XXXX, was indicted for fraud. Moreover, XXXX XXXX XXXX XXXX received an F rating from the New York XXXX, due to returned mail. XXXX phone number is XXXX. XXXX XXXX XXXX uses the phone number XXXX. If I have to repay my debt, it will not be to a scammer!

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 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: GREAT LAKES
State: IN

Complaint narrative:
XX/XX/2019 I received in the mail my background check documents and it says I was denied access to the Great Lakes facility XXXX mi but I didnt get any explanation too why. I have 1 XXXX   XXXX on my record and its over 10 years old. From my understanding they only hold u accountable for 7 years back on your record I have no other XXXX XXXX on my record i have 1 open operating case which is a XXXX but its not closed I never been convicted.I just need a explanation as to why I got denied I have XXXX   card I have passport Ive passed disa background check so Im able too get into 95 % of the facilities in the country Ive been all over for the pass 10 years this the first time Ive been denied thats why Im confused but Id appreciate it if I could get some answers soon thanks. My name : 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 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Equifax and XXXX  are incorrectly reporting a collection in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page 26 attached from my credit report. ) This account was opened without my consent or knowledge. I did not give permission for this account to be opened and I did not sign any documents on this account. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Each month for the past 2-3 months, this financial institution Citibank, has falsely claimed that checks and other debit purchases don't have enough money in my account to be paid. They have arbitrarily just chosen checks and debits to refuse to pay, and set them back into the unpaid check column of " credits '' back into my account. With the merchant or creditor being unpaid. This being done, even when there is money available in the checking account to pay the creditor. After doing this, they quickly charge me an NSF, so they can obtain more unjustified money from me. When I challenge them on this, and complain to them, they act like they don't know anything about what is going on, an just continue to do this same thing to my account severely for the last 3 months. I need a consumer agency to take a look at this mistreatment and abuse, and have them put a stop to it. It is terror for me if I don't even know if a check or debit that I submit is going to go through my checking account even if I have money there or not.

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 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
tried to submit credit freeze with experian on XX/XX/2019 by phone providing info and experian would not do it and said to send by mail with photo id. i do not want personal info in mail. data breach reported by my XXXX account but can not reach experian to freeze.

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 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX and Experian are incorrectly reporting a collection in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page 26 attached from my credit report. ) This account was opened without my consent or knowledge. I did not give permission for this account to be opened and I did not sign any documents on this account. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item 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 2019-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity bank ( which handles XXXX 's credit cards ) went into my credit report and saw two new cards. The algorithm kicked back that it should DRASTICALLY decrease my credit limit, even though I have been paying on time for more than a year. This has decreased my FICO score and is, simply, unfair. I need a resolution that is just, immediately. HOW CAN YOU BE PENALIZED FOR PAYING ON TIME???? These rules and algorithms need to change immediately. It's predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CHECK INTO CASH INC.
State: OK

Complaint narrative:
I had gotten a Payday loan from a loan company I had been doing business with off and on for 2-3 years. The loan was for {$150.00}, at {$170.00}?? Something payoff in 30 days. I'm guessing on the date but I believe it had to have been XX/XX/2018 or close to it. I was short on my pay off and went to XXXX & XXXX in XXXX Oklahoma, to the Check in 2 cash. 
I assumed that I could pay the interest on the loan and possibly a late fee or processing fee and right a new check for the same amount, they would shred the same old one and I'd pay the original debt off the next month. 
First of all the XXXX woman who i Had never seen or talked to before representing the loan company was almost immediately unprofessional. She was blatantly and obviously flirting with me and saying well you've been in time and time again and been paying so get my phone number, I said I can pay you something to day just not all of it, she replies like I said get my phone number which she hand wrote on the back of a card we can work something out, how much you got. Anyways long story short I wound up giving her {$60.00} cash wrote a new check for a prorated amount less than the original one which she was supposed to shred I don't remember the exact amount but it was less than the original {$170.00} here a few months ago she had tried to cash both ok f them multiple times to my new significant financial loss. If you need more information contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Company : Bank of America Account type : Credit Card Issue : Data breach/card compromised. Was not notified in any way. I noticed on my Bank of America application that I had 2 credit card numbers with large balances. I hold only one card with them. I called and was informed of a data breach and that I would be issued a new card. They did not notify me of this in anyway. I was told that a letter would be sent with my new card. Additionally, I would imagine that this affected my FICO and Credit score sense I was showing twice the amount of debt that I actually owe. After the call with customer support they deleted all of my precious card information from my account. Now I can not review it to see if there were any discrepancies, charges, fraudulent activity, etc ... This can not be allowed. I feel that I was taken advantage of, lied to by omission, and treated unfairly. 

This issue occurred back in XX/XX/2019 according to the statements that i have available and the change to my account was made today after I discovered the issue.

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 2019-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2019 I received the letter stating that they can't do anything. I have received the copy of the checks from XXXX XXXX and currently have the tracer as Capital One cashed the checks back on XX/XX/2019. I would like to have a copy of the checks that was presented to Capital One from XXXX XXXX. Unfortunately those checks were never presented to XXXX XXXX  they were presented to Capital One for payment. I do not have an account with XXXX and they can not provide me with a copy of who cashed or deposit those checks. I would like to received copy of those 3 checks as my primary bank and also Capital One Bank received the checks for payment. I do have the right to obtain a copy of those checks you supposedly received for payment. XXXX XXXX XXXX have already obtained copy of those checks and they were only cashed and presented on XX/XX/2019 not on XXXX or XX/XX/2019 as Capital One stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was cornered into signing up for a XXXX XXXX credit card to receive a {$100.00} discount on merchandise. They wanted to give me a $ 20k credit limit on the spot. My credit score was XXXX at the time. It is now XXXX. I contacted credit representatives at XXXX XXXX and requested a REDUCTION to $ 2k. The consequent of my request was to lose XXXX basis points from my credit score. I contacted XXXX XXXX again and was told SORRY NOTHING WE CAN DO I IS EXPERIAN NOT US. I tried to call Experian but the number is electronic and there IS NOT PHYSICAL ADDRESS. For the record, I have destroyed the XXXX XXXX credit card and do not intend to use it. No, I did not receive the {$100.00} promotion. I will never do business with these people again. 

- I need a physical address for Experian. 
There is no excuse to lower my score for NOT USING a line of credit. I need to have a written discussion with management. 

VTY, 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 non-monetary relief
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax after several attempts to get a complete credit report. Equifax sends few pages all mixed up. they will not send a complete report with all the pages they send pages missing and not a full report. Skipping pages and sometimes 3 pages other times 1 or 4 pages. ( I did not request a credit score ) I requested a full detail credit report from Equifax.On XXXX XXXX there claim is on there letter is no current file, no recent credit applied for, no credit in last 10 years just some excuse of there error after error and not sending the full report as requested several times. nothing but the run around with Equifax. I have also filed with the US Attorney office consumer issues. 
My name is XXXX XXXX not ( XXXX XXXX ) as you keep adding a ( XXXX  ) to XXXX you have my social date of birth as well as my name spelled out stop playing games with my name and error after

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
Nothing best described how to communicate dispute in arraigned statements on preceding page trying to pay debt debt service CMRE will not return via electronic mail contacted many times no return contact want to pay off debt but debt collectors is not allowing me to many electronic mail messages and no response I do not use phone and am unwilling to do so but company will not accommodate my requests

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: CA

Complaint narrative:
To Whom It May Concern, On Friday XX/XX/2019, I was attempting to dispute incorrect address information on my free Experian credit report and was unable to use their website or follow their instructions to submit a dispute. I was given three options for verifying my identity, online, phone or mail and tried to call them via the phone number. However, when I called there was no way to speak to an actual representative to verify my identity. I tried using all of the options on their automated response system and after an hour was unable to get to an actual person. As a consumer, attempting to correct my personal information I find it misleading by Experian that I can not verify my identity in the manner presented. 

The number that does not in fact lead to a service representative is given on the Experian website - XXXX. My experience was that they do not care to have someone talk to with me without my paying them for my own personal information. I find this is a violation of my consumer rights. 

Sincerely, 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 2019-09-06 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: LA

Complaint narrative:
XXXX XXXX is running inquiries every year without my permission on all my credit for a debt in 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH

Complaint narrative:
On XX/XX/XXXX Select Portfolio Services offered me a repayment plan with the following details : {$3300.00} for 6 months and {$70000.00} balloon payment. The 1st payment will be due on XX/XX/19. This information was provided by two representative of Select Portfolio Services, XXXX XXXX and XXXX XXXX who represented themselves as 'Supervisors '. However during this time that I was under review for a Hardship program, Select Portfolio Services was pursuing a foreclosure date of XX/XX/XXXX. I understand this is a violation of Federal Dual Tracking law that a lender can not pursue foreclosure while reviewing a homeowner for a loan workout program. Because Select Portfolio Services was illegally pursuing foreclosure for the next day, I was forced to file bankruptcy to save my home. Now they are telling me the repayment plan has been cancelled because of the bankruptcy. The bankruptcy I wouldn't have had to file if Select Portfolio Services hadn't violated Dual Tracking law. 

Select Portfolio Services currently has a sale date on my home for XX/XX/XXXX even though I am protected by Bankruptcy. They sent me a letter stating the home was protected by a 'Stay ' but have a sale date anyway. I understand this violates US Bankruptcy law as well as the Fair Debt Collection Practices Act. We were told this by Select Portfolio Services representatives XXXX XXXX on XX/XX/19, XXXX XXXX on XX/XX/19, and XXXX XXXX on XX/XX/19, all of whom represented themselves as supervisors. They refused to recognize there was an illegal sale date and simply told me they would look into it and get back to me. I never received a call from anyone at Select Portfolio Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Hello : I am XXXX XXXX and LVNV Funding LLC is reporting on all three of my credit reports and they should not be. This account is paid and closed and should reported as such and then removed. 

I have paid this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax keeps adding a ( XXXX XXXX to end of my name MY names is XXXX XXXX as to the letter sent out on XX/XX/2019 error after error with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: TN

Complaint narrative:
I recently applied for a mortgage loan with BB & T bank and was connected with XXXX XXXX. I submitted my completed loan application on XX/XX/19. Both me and my realtor expressed the need to be expedient since the seller had already accepted my offer. XXXX rarely responded to any form of communication. She has not once called since the application was submitted. I emailed her several times asking for an update. I was finally able to reach her several days later when she confirmed that one of my documents came through blank. After asking repeatedly for updates regarding the process, she informs me on XX/XX/19 that there are dispute comments listed on my credit file. I immediately called all three bureaus and requested to have any dispute comments removed. I received confirmation that this was completed and forwarded them to Ms. XXXX. She insisted that the dispute comments are still on my file. I called all three bureaus again and received confirmation from each that they were in fact on the reports, but have been removed. I pulled my credit myself from each bureau to confirm that all the disputes had been removed. We were approaching our deadline to have the home inspection completed so I reached out for an update again to see where we were with the financing. Since Ms. XXXX did not respond to either me or my realtor, I called the bank directly and requested her manager 's number. Upon speaking to her manager, she immediately texted me and informed me that my loan was denied due to the disputes. I have provided everything Ms. XXXX has requested from me in order to process the loan within hours of her request. Regardless, she was very uncooperative. I believe that the loan was denied because I reached out to complain regarding the service. Due to her lack of professionalism, I will lose the opportunity to purchase this property. I would like someone at the bank contact me regarding the service I received. I also have copies of the text messages, credit reports, and unanswered emails that I would be more than happy to supply.

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