vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a credit card account with XXXX XXXX XXXX XX/XX/XXXX. This account has been in good standing with them into the year XXXX when Bank of America took over. I have always made automatic minimum monthly payments on this account directly from my bank and had paperless statements and communication. As long as I saw the payments leaving my account I didn't worry about the account status. I was aware that Bank of America took over the account in XXXX but since my payments were still leaving my bank account each month I still didn't question my account status until last month when I paid off the balance on this account. Once the account was paid up, I logged in to see my available credit only to find out the account was closed in XX/XX/XXXX for apparently being past due. 
I spoke with customer service on XX/XX/XXXX to find out how this was possible since I was making my monthly payments. Apparently there had been a returned payment on the account in XX/XX/XXXX and my minimum payment each month was no longer covering the minimum due. I explained to the agent that since I saw payments going out each month that I was not aware of this issue and requested that the account be reinstated since it is hurting my credit score. At this point I was transferred to the credit department and was informed that since they do no have " the original terms of agreement '' for this account, they can not reinstate it. 
It was not my choice to have this account taken over by Bank of America, and if they did take over the account there is no reason for them not to have the original terms of agreement. 
I have asked that this account be reinstated on the merit of this being a long time account in good standing. As explained before, I was unaware of the missed XX/XX/XXXX payment and the effects it had on my account. According to my bank statements, I was making my minimum monthly payments. I do not feel that I should be penalized to this extent for one returned payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Compass Recovery Group, LLC
State: PA

Complaint narrative:
They CRG ( Compass Recovery Group ) referred them as a lawyer not collection agency. I have not received notice of due charges. It has been 3 1/2 years and out of the blue a phone call was made claiming I owed XXXX XXXX {$3400.00}. They said I had made all previous payment on time and they did not understand why this problem occurred. They XXXX ( XXXX XXXX ) closed the account and sold it to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) who are not debt collectors. XXXX XXXX XXXX hire debt collectors to handle the case. Now I receive calls pressing to pay this item ( {$3400.00} ) and wanting me to pay and have the matter closed. I have payoff many accounts when illnesses where detected, but never received a letter from XXXX or they would have been paid off long ago. Also is legal for them to try work this out with my wife and I was not a party of. 
I am a XXXX year old XXXX XXXX vet suffering from XXXX XXXX, XXXX, XXXX XXXX which required XXXX to XXXX, and XXXX XXXX XXXX. This is very stressful which leads to any therapy to not work as well as it should. I feel this a deceptive means of handling this matter. I request a message regarding these matters be sent through US Mail to : XXXX XXXX XXXX. XXXX, PA XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
For over a decade I have been denied credit by USAA, that uses XXXX XXXXXXXX XXXX which they are in partnership with. They deny me with vague and non specific language. I have never got any loan with them. I am forced to apply for high interest loans with other companies, even though USAA claims to save their " members '' money. I can't get out of the hole with high interest loans, pay day loans and pawn shops, I make XXXX per year and yet this is not enough to get a {$2500.00} loan form USAA. I may not live to 100 and have perfect credit to satisfy their stratospheric loan requirements. I believe they are discriminating against me. 

Their is no rep to call, appeal process or address to write to, they just offer the free credit report. I am tired of being a victim to a non-human AI computer, that sees me as just a credit score. I could make XXXX XXXX per year and USAA still would not give me a loan. I have had problems with checking, auto loans, insurance and I still can't get a small personal loan, even if my life depended on it. USAA advertises on the TV and makes extraordinary claims on how they help people in the military but, I feel more like a victim than member. All the high interest places will loan me money at a high interest rate. Does USAA invest in them and then profit off the misery of their misled members?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: OR

Complaint narrative:
I have been dealing with this company that is in violation of Hippa laws, constitutional rights, and contract laws. I have asked them to remove old information, inaccurate and non-valid accounts from my report. The most recent letter i sent to them was on XX/XX/18. I asked them about hard inquiries from companies i never done business with. I have collections for companies i have never done business with. I have accounts that have been closed or consolidated that still show open or payment history. I have phone numbers and addresses that i have never been associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: OR

Complaint narrative:
I have been dealing with this company that is in violation of Hippa laws, constitutional rights, and contract laws. I have asked them to remove old information, inaccurate and non-valid accounts from my report. The most recent letter i sent to them was on XX/XX/18. I asked them about hard inquiries from companies i never done business with. I have collections for companies i have never done business with. I have accounts that have been closed or consolidated that still show open or payment history. I have phone numbers and addresses that i have never been associated with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Since XX/XX/XXXX And More reported update With the XXXX XXXX XXXX XXXX I have phoned each incident To FTC and IRS and the 3 credit reporting bureaus All police reports copies of Wrong placed bills in my name All my properties were stolen XX/XX/XXXX And still in court trying to get corrected It is affecting my right to purchase a home Effecting my work employability And effecting my name- incorrectly Fraudulent use of my name Bank Accts etc ....

Fraud and crime noted thru Police depts and state officials ( I also have a Bankruptcy which should have been cleared and removedXX/XX/XXXX And should no longer be visible thru my credit report Sta. U.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Since XX/XX/XXXX And More reported update With the XXXX XXXX XXXX XXXX I have phoned each incident To FTC and IRS and the 3 credit reporting bureaus All police reports copies of Wrong placed bills in my name All my properties were stolen XX/XX/XXXX And still in court trying to get corrected It is affecting my right to purchase a home Effecting my work employability And effecting my name- incorrectly Fraudulent use of my name Bank Accts etc .... 
Fraud and crime noted thru Police depts and state officials ( I also have a Bankruptcy which should have been cleared and removed XX/XX/XXXX And should no longer be visible thru my credit report Sta. U.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: Atlanticus Services Corporation
State: IA

Complaint narrative:
On or about XX/XX/XXXX I contacted XXXX  Credit Card ( a division of XXXXXXXX XXXX ) to update my address after receiving an E-mail promotion offering me another credit card ( since I had one already ). 

The promotions department told me I had to speak to Customer Service about my address before they could honor the promotion. I was told by Customer Service they do not do business in the State of XXXX and the promotional offer was rescinded ( and that is OK ). They told me they could not update my address from previous address in XXXX to my new address in XXXX since they do not conduct business in XXXX. 

Today, XX/XX/XXXX, I received a text from them telling me I am delinquent on a payment ( due yesterday ) and to call their office. I made the payment and addressed the address issue again. I was told the following. 

1. Can not update your address since we do not conduct business in XXXX. 
2. Can not generate you an electronic statement since we do not do business in XXXX. I mentioned the promotional offer and they said that was when I was living in XXXX  ( which is true ) but my E-mail address has not changed when I moved. 
3. Only suggestion they gave was find someone in XXXX to receive my mail for me. 

I am not denying I owe them money, I am not denying them payment. I have issue with I can not get a statement from them. I can not imagine I'm the only person in XXXX that has this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
we get calls randomly from Harris and Harris saying they are a debt collection agency and want me to call them at such and such number ... ... ... ..We have no outstanding debt and so I know its a robo call or something. We used to get them a year ago also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion, XXXX, and XXXX have incorrect information on my credit reports. Old information problems with credit reporting credit score billing dispute. Accounts status when closed or delinquent or write off still on credit report.As of XX/XX/2018 my Credit Score is XXXX I have a balance {$8900.00} for what? Credit Accounts 20, Closed Account 18, Open Account 2 What 2 accounts have not any accounts open in years. No delinquent accounts. Derogatory 8. Inquires in 2 years 8. I need help getting this situation right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed 3 disputes with collection agency and have been in contact with creditor several times. I do not owe money on the old account. My contract expired, i did not renew and company owes me my security deposit. Credit bureau refuses to remove the inaccuracy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
AmeriHome Mortgage has our business phone number in their phone database for an unknown employee. We receive multiple robocalls from AmeriHome with an automated message to call a phone number. I have called the phone number, worked my way through their system, talked with multiple people, and still the calls continue. I have emailed AmeriHome Mortgage and told them to remove our company phone numbers from their database but still the calls continue. We need these calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: WA

Complaint narrative:
This is a new complaint as a result of a previous investigation failing to address my complaint. # XXXX I asked that the credit reporting agency provide me with the company name and methods used to verify that a bankruptcy on record is correct. The US Bankruptcy Court does not furnish this information, which indicates the company used a third party. I have a right to know this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX account was opened in XX/XX/2017 and it has a balance of {$450.00}. Ive called XXXX several times to resolve this and theyve yet to rectify it and its reporting on my credit. Also, theres a XXXX XXXX bill on my credit, opened XX/XX/2017 with a balance of {$1900.00}. Ive contoacted them several times and even attempted to do a payment plan because its on my credit. Its unfair because this is not and was never my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I found a debt listed in my credit report by XXXX XXXX. The original creditor was listed as XXXX. This debt was formerly listed by another credit  collection company, XXXX, but was removed from my credit report after I filed a claim with them for fraud as this was not my account. 

Apparently the debt has been sold to Convergent who has reported it within the last month to the credit reporting agencies as a new collection. I sent a written request for debt validation on XX/XX/2018 certified return-receipt mail. I received a letter of debt " verification '' on XX/XX/2018. The " verification '' does not include any of the information I requested to be included in the debt validation. Among other requested items, there is no signed contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I received a call at XXXX. I am a remote employee and usually wouldn't answer my phone for personal business. the call had no caller ID at all. No phone number no name. I answered the call. The Collection Agency is California Business Bureau at XXXX Ext XXXX. The Agent 's name is XXXX. The call itself wasn't an issue but when I mentioned that there being no caller ID, she was aware.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
XX/XX/2018 Lender XXXX XXXX Loan Officer XXXX XXXX NMLS # XXXX did not disclose the charging of 1 % of Loan Amount ( Points ) prior to settlement of loan closing. He failed to disclose the rate 3.875 % was based on the paying of said point ( {$13000.00} ). We questioned XXXX XXXX about the paying of point, he replied " this was standard, and it was to late in the loan process to change. '' XXXX XXXX never mentioned the applying of point to obtain the loan rate of 3.875 %, nor did he offer to withdraw it when ask after we realized what he had done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Received A XXXX prepaid credit card in the amount of {$50.00} fro my sons Birthday less than 2 years ago with a n expiration date of XX/XX/23. At the time we had no use for it and kept it inside a safe along with other gifts. When we needed to use the card we were told that it had a XXXX  balance and in order to restore funds, we need to provide the receipt! We explained to them on multiple phone calls that we did not have a receipt since the card was given to us as a gift. The vendor has repeatedly said that they will not provide the funds till a receipt is provided. I have provided the vendor photos of the card and its original packaging as well as a copy of ID as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following collection accounts and credit inquiries listed on my Trans Union, XXXX and XXXX credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, {$1500.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$150.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$3800.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats and threats of arrest and jail from representatives from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for accounts that are fraudulent and the result of identity theft. The 4 collection agencies are in violation of The Fair Debt Collection Practices Act ( FDCPA ), a violation of Federal 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 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX a rep from the insurance division of Wells Fargo contacted the flood division of XXXX to see if they had received the check that was sent to them in XXXX. XXXX ( Wells Fargo Rep, Ins. Division ) stated that the check has not cleared and wanted to know if the renewal had been issued. XXXX indicated that it had not since they had not received payment. XXXX then gave them an overnight mailing address so that Wells Fargo could mail them the check & so that XXXX would receive the check prior to XX/XX/XXXX which was the final date to receive payment before the policy could no longer be renewed. According to XXXX, billing notice was sent out on XX/XX/XXXX and then the lender updated some information through XXXX XXXX. My premium at the time of billing was {$750.00} for the year but the policy lapsed after 90 days. I had a grandfathered policy which I have had since XXXX, XXXX. Since the policy lapsed, my new premium is now going to be {$2300.00} a year. I DO NOT feel this is an error by me as I made the payments that covered the flood insurance. No one at Wells Fargo followed up on the uncashed check, no one issued a stop payment on the original check or reissued a new check. I would still have my original flood insurance premium had this issue been handled. When I originally got my flood insurance, the premium was five hundred and something. I technically would never catch up to my new premium as they continue to go up. I have no intention of ever selling my home so this error is going to cost someone thousands of dollars. I have no intention of paying more for more flood insurance because of someone elses error. You have always held us accountable for what we owe on our home so Im going to hold you accountable for this error on your behalf.

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