vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have written 3 Notices to validate the debt to no avail. This company has erroneously added negative data to my credit reports w/o my consent or knowledge ... 
I HAVE ATTACHED A COPY OF THE REQUEST FOR VALIDATION ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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:
The reason I am writing to you is to inform you that This Company is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XXXX. With my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. I know the law give this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing those fraudulent accounts. 
For yet another time, my personal information was compromised and as a result, fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my accounts. 

Below are the fraudulent charged accounts that I need to be removed Asap : XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$6700.00} XXXX XXXX Opened Date XX/XX/XXXX, Balance {$65.00} I am attaching Required Documentation to prove that I am a victim ; 1. The letter I sent to this company as my dispute 2. My FTC 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 non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
I took out two personal loans from XXXX XXXX to help my small business in XX/XX/XXXX. We were paying on time every payment, but my company had a big down turn in last 90 days that we are unable to recover from. We are currently meeting with bankruptcy lawyers and they have advised us to ask the company to stop calling us. They have been calling 4-10 times per day. I requested that they stop calling on XX/XX/XXXX on multiple occasions and they still call, text and email many times per day. We are trying to figure out our options and told them that when they called. They still continue to harass us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery is constantly harassing me about debt with repeated phone calls after I've stated repeatedly to be removed from their calling list. I am being debt harassed and is causing distress on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
DiTech Mortgage ( formerly Greentree ) held my mortgage on a house I owned in XXXX XXXX, NJ from XX/XX/XXXX to XX/XX/XXXX. Two issues that have STILL NOT been fixed by them despite repeated promises to do so : They still owe me over {$7200.00} in escrow overpayment/refund. I have called them two or three times every month since XX/XX/XXXX and STILL do not have the money. I have lost interest on that money, have been unable to pay my daughter 's tuition bill with some of it and, quite simply, it is MY money. 
They falsely reported to the credit bureau companies that I missed or was late on payments 9 times when they held my mortgage. It has been proven to them repeatedly that they are wrong. I never missed a payment, was always on time and usually EARLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was scammed. I met a guy on XXXX dating site. After months of communicating, he claimed he couldn't get into his bank account in US, ( he was suppose to be working on a building a mall in XXXX ) because he had been hacked before. 
Two months later he came up with a plan to to put me on his bank account and I would cash the check to pay his workers so that he could return back to US. He had checks made from XXXX XXXX  in my name. I thought he was sending a check with our name on it. Checks come to me with only my name on it, he tells me to write a check for {$4900.00}, deposit it and he would call his bank to clear it. He told me to go the next day take out {$4600.00} and put into another account. I wasn't able to do that because we didn't have that bank in Maryland. He told me to place money in a book and place in a box and mail to an address. I mailed it. That night my bank card declined. I tried to stop the mail from being delivered. Too late. I went to bank and explained what had happened, got a police report. I know I am responsible for paying this money to the bank, but I don't have any money now. I lost my money also. I need an attorney but I can't afford one and I don't know what I am suppose to do. The bank has me down for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NV

Complaint narrative:
I was included in the lawsuit with green tree mortgage loans and ever time i try to deposit the check it comes back to me. Aka bouncing. 
I believe that i am I tilted to this money that is owed to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX I requested payment to be made to my XXXX XXXX via the Bill Pay feature with Global Cash Card. XXXX XXXX stated they've never received the payment, thus causing overdraft and past due fees to be charged to my XXXX XXXX. 

I have made four phone calls to Global Cash Card asking for a copy of the paper check they stated they issued to XXXX XXXX so I can show proof it was received and cashed. Each time the representative fails to understand what is needed. Requests to escalate to a manager is ignored. I have been hung up on, placed on hold and no one returned and my last call I was told they can not provide me with any proof the payment has cleared. 

XXXX XXXX can not locate the payment. GCC refuses to provide me proof. My hands are tied and I have a sinking feeling GCC did not issue the payment, yet took the funds from my account, with in my opinion is theft. 

Payment was {$200.00} requested on XX/XX/XXXX, GCC 's confirmation # is XXXX, status reporting as cleared. 

I am at a brick wall and need assistance because I can not afford to lose {$200.00}

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: F&M Capital LLC
State: NC

Complaint narrative:
Received a from a blocked number on XX/XX/2019 at XXXX XXXX caller left a message on my voicemail. Transcription of the message : Good morning this message is intended to reach out to XXXX XXXX XXXX my name is XXXX contact you on behalf of FM capital reaching out to you today in regards to a pending complaint in your name and Social Security number before any decisions or recommendations are rendered we do proceed forward we're looking to get in touch with either you directly or your legal counsel a statement can be provided by contacting XXXX we will be notifying the appropriate parties as to whether not he's contacted and cooperating on a voluntary basis this call has been documented and recorded thank you and have a good day My mother XXXX XXXX received a call immediately after this message was left on my voicemail. The person identified herself as XXXX with FM Capital My mother asked what this was pertaining to and XXXX responded " Bad Checks across state lines '' This is a clear violation of the FDCPA Section XXXX. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 )  identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; and 805 ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the  express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
XX/XX/XXXX I was behind I paid high late fees $ XXXX $ XXXX.supposed got loan caught up. Because of hurricane Florence in XX/XX/XXXX. Auto payment 's $ XXXX.interest rate 28 %, they said it's daily rate. But it supposed been annually rate. XX/XX/XXXX we paid $ XXXX.by due date XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, paid $ XXXX.but they keep calling saying never got payment. Like always they sit on check, pertent it got lost. They due this few times to me. So I cancelled out check, then send USPS over nite, then they run other check. Trying to collect twice, and send other cheek through. XXXX XXXX XXXX XXXX XXXX, is not worth $ XXXX $ XXXX.after buying it, XX/XX/XXXX, from XXXX XXXX XXXX XXXX , XXXX XXXX in XXXX, Utah . 5yr loan it's been XXXX making payments to American Credit Acceptance, never get credit for paying more on loan. I made way to many complaints to FTC, CFPB, XXXX, but as i sent information to the President last year these companies are not protecting the consumer like me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I recently created my own XXXX XXXX. I was looking into various Business Credit cards. Since I have been a member of American Express since 1999, I wanted to make sure I viewed what they had to offer. I researched extensively online, and I noticed that the business American Express XXXX XXXX card offered 1 year of XXXX and XXXX in form of account credits. 

You may view the details of the offer at this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This was perfect for me since I may need to hire a few people this year. I finally called the number and let them know I wanted to open an AMEX XXXX XXXX XXXX Card. They took my application over the phone. Once approved I would call and ask them if they had a tracking number for my card, and since I was already on the phone I asked them to confirm the benefits of my card to make sure XXXX was included. 
This was confirmed. When I received the card I wanted to confirm that I had that offer. Because this feature was the only reason I went with this card. I was told that this offer was online applications only. 

I called executive customer service and filed a complaint. I received a call from XXXX XXXX from their department and she said that since in the phone call that I applied for the call I did not mention anything about XXXX XXXX that they would not be honoring an offer. I thought that in that call I did mention it, but at that point I had done so much research online that I was completely sure it was included in the offer. I explained to XXXX that I even called after I was approved for the card to confirm the XXXX offer and a rep on the phone said it was included. She said that it did not matter and it would not affect her decision. 

This makes me very upset because I currently hold a personal AMEX cards where I pay over {$800.00} a year in membership fees. This business gold card would make my yearly total over $ 1,100+ a year in membership annual fees. And their website/marketing shows that these offers are part of the offering. The website even has a button that says, call in to apply. It doesn't say anywhere that this is an online only offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: CA

Complaint narrative:
On XX/XX/19 I reviewed my credit reports with my credit monitoring website after paying {$29.00} for this option, I noticed there are multiple fraudulent accounts in my name on my credit reports with Trans Union, XXXX and XXXX. I reviewed the process on how to proceed with this situation in the Fair Credit Reporting Act, section 611 and typed a letter, signed it and completed an affidavit with the Federal Trade Commission as well as sending a copy of section 611 with these documents to XXXX Trans Union and XXXX, having paid an additional {$27.00} in mailing fees for certifying this packet to the credit bureaus. I received notice that each credit bureau received my certified letters on XX/XX/19. I am aware it does take up to 30 days for the credit bureaus to review and/or investigate this dispute and will mail results within that time line. I paid on XX/XX/19 {$29.00} to my credit monitoring account to review all bureaus and noticed the disputed accounts have not been removed with any of the credit bureaus. I have not received any investigation results or notifications what so ever for this situation. It is not XX/XX/19 and I am filing a complaint with the Consumer Financial Protection Bureau to help me in this matter because I do not want to be left dealing with this situation for months and being mistreated by the credit bureaus as well.

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 2019-04-11 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: CA

Complaint narrative:
On XX/XX/19 I reviewed my credit reports with my credit monitoring website after paying {$29.00} for this option, I noticed there are multiple fraudulent accounts in my name on my credit reports with XXXX XXXX, XXXX  and Equifax. I reviewed the process on how to proceed with this situation in the Fair Credit Reporting Act, section 611 and typed a letter, signed it and completed an affidavit with the Federal Trade Commission as well as sending a copy of section 611 with these documents to XXXX XXXX XXXX and Equifax, having paid an additional {$27.00} in mailing fees for certifying this packet to the credit bureaus. I received notice that each credit bureau received my certified letters on XX/XX/19. I am aware it does take up to 30 days for the credit bureaus to review and/or investigate this dispute and will mail results within that time line. I paid on XX/XX/19 {$29.00} to my credit monitoring account to review all bureaus and noticed the disputed accounts have not been removed with any of the credit bureaus. I have not received any investigation results or notifications what so ever for this situation. It is not XX/XX/19 and I am filing a complaint with the Consumer Financial Protection Bureau to help me in this matter because I do not want to be left dealing with this situation for months and being mistreated by the credit bureaus as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: TX

Complaint narrative:
Transunion is allowing fraudulent accounts to be placed on my credit file, these accounts are fraudulent and a result of identity theft. Transunion was notified this I spoke to a person name XXXX XXXX in the Fraud department which refused to block the fraudulent accounts, and refused to follow FCRA Law 603 ( B ) Which states a consumer of identity theft if providing a valid police report and advises the credit bureau this account is fraudulent has a right to have the account blocked. XXXX refused to block the account and refused to assist with the fraud on my file. First account is a XXXX XXXX which the company advised me was identity theft and that they have removed this account from my credit file and closed it however transunion refuses to remove the account and or block it. Second account is a XXXX XXXX  Line of Credit for a limit of {$6000.00} Which is also fraudulent opened on Unknown it says. Again this is fraudulent and opened by the thief who stole my identity, my drivers license, social security card and my email addresses. Lastly there is a account with a place called XXXX for {$1000.00} this account is fraudulent. I mentioned this to the rep he refused to assist. He did see my police report, and said that it doesn't meet his standards or criteria to be blocked. Apparently, He has a criteria in which he can choose to block fraudulent information or not. This is not acceptable. The accounts mentioned are FRAUDULENT OPENED FROM A THIEF. I am attaching my police report below, and want this rep investigated. He is creating fraudulent accounts on peoples profiles and then, advising he can't block the fraudulent accounts and refused to follow the law.

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 2019-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have notified XXXX XXXX that the information they are providing to the credit Bureau is incorrect, they sold my loan twice to different collector agencies after i called to ask them and spoke to the supervisor XXXX, he told me that my account wasn't on collections and to resume paying the loan with them, Wish I did. After seeing that my account was showing several late payments I contacted them again and they said to Discard that information. After several attempts to make payments and finally close the account, being told they were going to send me a letter so I can dispute the other two credit collectors, they never did. Same account being reported three times on my credit with inaccurate balances.

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 2019-04-11 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: FL

Complaint narrative:
I have in my credit a 30 day late in XX/XX/2019 XXXX ACCOUNT # XXXX.I already dispute and nothing happen.The information is incorrect .Im not late.

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 2019-04-11 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: FL

Complaint narrative:
I have in my credit a 30 day late in XX/XX/2019 XXXX ACCOUNT # XXXX.I already dispute and nothing happen.The information is incorrect .Im not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: FL

Complaint narrative:
I have in my credit a 30 day late in XX/XX/2019 XXXX ACCOUNT # XXXX already dispute and nothing happen.The information is incorrect .Im not late.

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