vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
The account was opened XX/XX/XXXX with XXXX XXXX XXXX by my then fiance without my knowing and i had no clue that the account was opened until after we were divorced in XX/XX/XXXX and i found out after the dissolution was made. The file was sold to Midland Funding LLC and i never received notice that it was in debt of {$720.00} and now being sued

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Social Finance, Inc.
State: IL

Complaint narrative:
The CFPB has taken action against numerous banks and debt collection companies for collectors using the talkoff that making a past due payment will improve the debtor 's credit score when, as the Bureau alleges, banks and debt collectors do not know what drives the score and therefore it is a deceptive practice to use credit scores in the talkoff. 

Today, XX/X/2017, SoFi advertised student loan refinancing options by stating that those who refinance saw their scores improve by 17 points. How is that not also deceptive? If banks can not use it for debtors who contractually owe them money, then SoFi should not be allowed to deceive consumers either!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
The account was opened XXXX XXXX with XXXX XXXX connect by my then fiance without my knowing and i had no clue that the account was opened until after we were divorced in XXXX XXXX and i found out after the dissolution was made. The file was sold to XXXX XXXX XXXX and i never received notice that it was in debt of {$720.00} and now being sued

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 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IA

Complaint narrative:
Account with XXXX XXXX XXXX was opened XXXX XXXX, XXXX for XXXX XXXX XXXX in the amount of {$270.00} and this account is due to identity theft from my ex husband who used my social security number without my permission or knowledge. I have disputed it multiple times on my credit to no resolve or contact from company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09 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: NJ

Complaint narrative:
I RESPONDED TO AN OFFER BY American Express TO GET XXXX POINTS IF I SPENT {$3000.00} IN 3 MONTHS, WHICH I DID.I DID NOT RECEIVE THE POINTS & THEY CLAIM THE OFFER WAS NOT AVAILABLE TO ME ; HOWEVER, ON MY AMEX CARD WEBSITE, THE OFFER WAS DISPLAYED NUMEROUS TIMES DURING THE MONTH.ALSO, A SEARCH OF CREDIT CARD OFFERS FOR THAT MONTH INDICATED THE SAME OFFER.I APPLIED FOR THE CARD 0N XXXX XXXX .I CURRNTLY HAVE HAD AN AMEX CARD FOR OVER 20 YEARS AND ON AND OFF OVER THE COURSE OF XXXX, WHEN I LOGGED ONTO MY ACCT, THERE WOULD BE AN OFFER TO UPGRADE TO A XXXX HONORS XXXX & RECEIVE THEBONUS POINTS NOTED ABOVE.I SPENT THE {$3000.00} IN ABOUUT AMONTH XXXX BUT NO POINTS WERE GIVEN.I CALLED AND SPOKE TWICE TO VARIOU REPS., AND WAS GIVEN A CONTROL # ABOUT MY COMPLAINT. AROUND XXXX/XXXX/XXXX ( XXXX XXXX & WAS TOLD I WOULD HEAR FROM THEM IN 6-8 WEEKS.NEVER DID SO I CALLED LAST WEEK & THEY TOLD ME I WAS NOT ELIGIBLE FOR THE AS I HAD NOT RECEIVED AN OFFER FOR IT EVEN THOUGH I HAD RECEIVED THIS NUMEROUS TIMES ON MY WESITE & STILL DO. I have downloaded various info about the bonus upgrade which is available now & was available during most of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am one of the 143 million Americans whose personal data were stolen from Equifax. Equifax advised me, via website, that I was entitled to a free year of credit alerts through their TrustedID Premier offering. Accordingly, I signed up for TrustedID on XXXX/XXXX/XXXX. I finally received a confirmation Activation email on XXXX/XXXX/XXXX and I immediately did the final activation steps. But I received a web message that said " Product Already Activated. Our records indicate that you may have already enrolled and activated the TrustedID Premier product. Attempting to enroll again is not necessary. Please go to XXXX to log in to your product. '' Since then, I have tried at least 15 times to log into the TrustedID website, but I always get back a technical message that the web connection does not work. I have phoned Equifax three times since then, and they claimed I was being referred to an escalation team, who would phone me. I have never heard from this team, or anyone at Equifax, on how to obtain the promised free credit alert service. I believe that I am one of millions of Americans who are being purposely misled by Equifax, and hope that the CFPB can help me get the credit service that Equifax promised as partial compensation for their failure to effectively guard my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
IVE NEVER AUTHORIZED INQUIRY OF CREDIT THROUGH TRANSUNION. IVE CALLED TO DISPUTE AND THEY HAVE REFUSED TO INVESTIGATE. I REQUESTED TO SPEAK WITH XXXX DEPARTMENT AND THEY HAVE REFUSED TO PLACE ME IN TOUCH WITH FRAUD. 
ALL XXXX INQUIRIES ARE INVALID AND WERE NOT INITIATED BY ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and i have filed a dispute in accordance to Section XXXX of the Fair Credit Reporting Act allows the credit reporting agencies 30 days to complete their investigation from the date on which they received the notice if not process within or notice to given requesting extension the derogatory info must be removed. However I have several disputes that are 45 days old and no answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GreenSky, LLC
State: NJ

Complaint narrative:
XXXX XXXX, XXXX Rt XXXX XXXX XXXX Shade NJ XXXX, used my credit info/ss # to obtain a {$29000.00} loan from GreenSky, XXXX XXXX XXXX, XXXX, GA XXXX. A XXXX Banking XXXX, XXXX, GA. I never agreed to any type of loan or did I agree to any contract with XXXX XXXX ( XXXX ) to install solar panels at my shop. I talked to a salesman from XXXX, and agreed to allow them to give me a quote on the project. They sent out a roofer to look at my roof, who claimed they needed to remove and replace new roof. The following day I received a bill from GreenSky ( GS ) with a interest only amount due of {$29.00}. I had never even heard of GS. I contacted XXXX, and told the I was no longer interested in having solar panels installed at my shop. I then received another bill from GS, with {$58.00} due a a {$39.00} late charge. After reviewing the bill it notice XXXX took a {$5900.00} draw from my loan of {$29000.00}. I never agreed to this installment, or did XXXX do any type of work at my shop. I contacted GS, who dispute what i told them said the need to look into my contract. XXXX than sent me a bill for {$790.00}. Claiming I owed them {$640.00} for bank fees paid on deposit. XXXX {$150.00}, for having a roof look at my roof. Assuming I 'm going to pay them money in advance to a signed contract for bidding on a job. They also did not return any phone calls fro GS, regarding the {$6000.00} dollars the received from loan. After spending countless hours on the phone with GS, they decided that I owned XXXX, {$150.00} in fees to XXXX, for work done. XXXX {$150.00} so a roofer could bid on my roof. GS gave me the impression that they had some type of ownership in XXXX XXXX. All along my credit report is showing I have an outstanding loan for almost {$30000.00} dollars. I was also in the progress of buying a new SUV for my shop. I believe GS outstanding loan hurt my credit report thus causing me to pay additional interest on the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA is not reporting an account I have with them to all 3 credit bureaus.

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 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
made a cash advance on XX/XX/XXXX for XXXX. made a branch payment on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. purchases have an interest rate of 15 per cent and cash advance has an interest rate of 25 per  cent. the card is wells fargo. according to the credit card act of XX/XX/2009 all payments above the minimum payment are to be credited to the higher interest rate first. my minimum payment for my statement closing date of XX/XX/XXXX is XXXX. so the other XXXX should have been applied to the higher interest rate cash advance. it was not applied. i called wells fargo on XX/XX/XXXX and was referred to a supervisor named XXXX. he referred me to customer care a person named XXXX talked with me. he claimed first that the law had changed so i XXXX the change but found no evidence. so XXXX claims that i have the wrong understanding of the law. that is what prompted me to contact the consumer financial protection bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi bank keeps calling even thou I send a cease and deist letter to them.

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 2017-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I realized after logging into my Chase online banking that one of the balances in my accounts was lower than it should have been then opening that account I realized a wire in the amount of {$160000.00} was sent to an account within XXXX XXXX XXXX on XX/XX/XXXX to XXXX XXXX XXXX XXXX located in XXXX Arizona. This is a company I do not know nor did I send the wire. I immediately went to Chase and changed all of my bank accounts and cancelled any online access to ensure nothing else could be taken from the account. I then find out within 48 hours that my cell phone has been hacked and the date it was hacked was XX/XX/XXXX the same day the monies were wired out from my bank account. It just so happens this was the same day that I had downloaded a mobile application from XXXX which I signed up for to protect me against Identity-Theft strangely their headquarters is located in Arizona the same place my monies were stolen from me and sent too to a corporation XXXX XXXX XXXX XXXX is also located and was formed a month prior to this all happening to me. I dont believe this was all a coincidence. Somehow me signing up with XXXX started a chain of events which ended in someone stealing my identity and wiring money out of my bank account. These monies have not been replaced and I after filing police reports, reporting with the FTC and DA And Chase Fraud department I still feel like no one is really helping or giving me any answers. No one can tell me anything except sorry we have done all we can do.. Tis is not an acceptable answer when monies that have taken me years to save up are now gone from my bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-09 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: Credit Protection Association, L.P.
State: FL

Complaint narrative:
Dear Credit Protection, This letter is in response to your collection on my credit report which was opened on XXXX XXXX, 2012. Since the amount is so small, I wish to save us both some time and effort by settling this debt. 
Please be aware that this is not an acknowledgment or acceptance of the debt, nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 
I am willing to pay [ this debt in full in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. 
If you agree to the terms, I will send certified payment in the amount of {$120.00} payable to [ Credit Protection in exchange to have all information related to this debt removed from all of my credit files.

If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Credit Protection. The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
WHAT ARE YOU GOING TO DO WITH MY FINANCIAL LIFE POSSIBLY BEEN DESTROYED AND MY ALL INFO BEEN UP FOR BAD GUYS GRAB TILL THE END OF MY LIFE AND FOREVER EVER??????????????????? 
I GAVE NO CONTENT TO KEEP MY PRIVATE INFO AND USE IT WITHOUT MY EXPLICIT CONTENT! 
CLOSE ALL CREDIT SCAMMING OUTFITS - THE INFO THEY HAVE IS MY PRIVATE INFO - I DO NOT WANT IT TO BE KEPT IN ONE PLACE " GUARDED : BY XXXX  MUSIC MAJORS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XXXX XXXX I checked my credit and noticed fraudulent accounts were deleted, but after the XXXX breach happened, all of a sudden the fraudulent student loans and a car loan are BACK on my credit report. I have been in XXXX  for several years and someone attempted to go to school on my credit expense. In XXXX my XXXX disputed on my behalf and the same loans were deleted, but now all of a sudden they are back. 

Section 609 of the FCRA identified as 15 U.S.C. 1681g gives me, a consumer, the right to ask for this information. It clearly states, Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer all information in the consumers file at the time of the request This section of the FCRA is saying that if a consumer asks the correct way, in writing, and properly identify themselves, the 3 bureaus are required to disclose to the consumer exactly what documents are stored within their computer base. 

Their response to all of my dispute letters basically parrot what the information provider tells them, all items identified in your complaint have previously been verified as accurate by the data furnisher

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: NC

Complaint narrative:
XXXX TransUnion, XXXX continue to report an inaccurate account on my report per the attached letter please assist in removing immediately as stated per FCRA 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 2017-10-09 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a new credit card ( XXXX Credit card ) with BBVA Compass bank few days ago and I received and activated it on XX/XX/XXXX. I registered the new card online so I can fully manage it myself. I had a credit account with this bank long ago which I stopped using since XX/XX/XXXXand was fully paid. I never used that old card and I never receive any new card. While online, I was surprised there were 4 accounts in my name and one of them has a balance of {$1500.00} ( CRC # XXXX ). I called their contact number on XX/XX/XXXX and spoke with a representative who told me to ignore it. According to the representative, the other cards showing were replacement cards. But I never received them, therefore never activated nor used them. He is quite arrogant when I insisted that I never had this card. ( But I printed all what I saw in my monitor ). I decided to cut the conversation and later called again. Next time I called on same date ( XX/XX/XXXX ), I spoke with a lady rep who said the same to ignore it. She told me it 's just nothing. I told her that if it was nothing, why is it generating current statements and even had balance. I printed the latest statement that I saw ( period XX/XX/XXXX-XX/XX/XXXX ). I  told the representative to close the new account I just opened because to me, there is something wrong in their system. I asked the lady to close all account in my name because I believe there is something wrong here. 

Today ( XX/XX/XXXX ), I went online to check if the account were closed but they are still there. And thus I need help in this case. 

I demand that all the accounts that appears in my name be closed and information be taken off their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Integrated Recovery Services
State: OH

Complaint narrative:
the guy from Integrated Services used inappropriate language, contact family members told them I wrote fraudulent checks, and makes daily calls. I informed the guy that I did not take out the loan and also informed him of the police report that I filed when my personal info was given out without my knowledge. This guy threatened to call my husband and also knew exactly the make and year of vehicle that I drive ; he also knows very intimate personal info. He knew my whole financial history. I am afraid that they will get me fired from my job. The guy was extremely nasty! I tried to call the company in which they said I owe the loan to, XXXX and XXXX said they did not have the account due to the account being sold to XXXX XXXX XXXX, I called the number and did not answer. I do n't know what else to do!

Company response to consumer: Closed with explanation