vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
prior to XX/XX/2018 i had recieved several robo calls from amsher collections then from XXXX XXXX XXXX XXXX. finally after 5/6 times of telling XXXX XXXX not to call me the calls stopped. i did not give them permission to call my cell phone. i did not give permission for amsher collections nor XXXX XXXX to give my personal information to personnel i do not know. 

amsher did not tell me they were putting the alleged debt on my credit report. i disputed the debt and it was not removed. 

Prior to XX/XX/2018, representatives from XXXX XXXX XXXX XXXX has threathen to sue, garnish wages and bank account. 

prior to XX/XX/2018 i tried to make payment to XXXX XXXX but they wanted to charge me a XXXX fee for using my credit card. i called yesterday and made a payment under the condition the collection will be removed from my credit report. the XXXX XXXX representative stated the collection will be removed.. he said i had to call amsher collections amsher collections said they will report to the credit bureas but collection will remain. XXXX XXXX said collection will be taken off. i told amsher i only made payment as a condition of removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
This company, XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX previously sent letters stating I owed on a credit card account. They said legal action would be taken if I did not pay the debt. I requested information and to cease communication if they refused to send information. They followed with a letter stating it was my responsibility to deny the debt. I again asked for a cease and desist. One year later, they contacted me about a different credit card account they bought, presumably in my name. They filed a judgement against me. On the date of the initial appearance their attorney did state I had a cease and desist order prior to this account in reference. At no time has the company sent information regarding either account. I have court tomorrow and they've provided no documents. I also do not owe what they say but I cant afford an attorney and may likely lose the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04 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: IL

Complaint narrative:
Several accounts on my consumer report are inaccurate. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-12-05 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: IL

Complaint narrative:
Several accounts on my consumer report are inaccurate. I am a victim of identity theft.

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 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
This company, XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX previously sent letters stating I owed on a credit card account. They said legal action would be taken if I did not pay the debt. I requested information and to cease communication if they refused to send information. They followed with a letter stating it was my responsibility to deny the debt. I again asked for a cease and desist. One year later, they contacted me about a different credit card account they bought, presumably in my name. They filed a judgement against me. On the date of the initial appearance their attorney did state I had a cease and desist order prior to this account in reference. At no time has the company sent information regarding either account. I have court tomorrow and they've provided no documents. I also do not owe what they say but I cant afford an attorney and may likely lose the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
The forced re-fi MORTGAGE initiated as XXXX, NOT XXXX as the investor. We are dealing with from the beginning CRIMES set forth by loan officer " XXXX XXXX '', who was let go from Citizens Bank and now is with XXXX XXXX XXXX. It's is at a criminal level which a Judge has no choice but to expunge on all authorities to control in devious fraudulent pool who has its own they sell of the MORTGAGE to knowing they will maintain as a different entity to maintain, closely monitor, and perform mastered coding all in their criminal educated bank fraud certificates in which will call themselves excused since they were a part of the re-development of the stock market crash, of the loan scam and therefore as stated mortgage was placed in a special pool with other illegal loans? Prior to foreclosure sale of said property The bank " who claims not to have been lien holder did in fact deny my buy out of debt owed. They didn't own it and they did not owe anything on it. The money was re-paid years prior with the illegal investment made on XXXX XXXX they have co-mingled in with other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I have asked AES numerous times for ALL my loan records as one loan seems completely made up. The information does not match to any loan made by me. The date they started reporting it was XX/XX/XXXX. However, it shows it was opened in XX/XX/XXXX. I never opened a loan on that date. There is a whole 8 years gap of reporting, which is illegal. In addition they fraudently wrote it off for {$65.00}, XXXX and sold it. The other loans I did take out were open prior to that and did not exceed $ XXXX. They were reported in XX/XX/XXXX, than this loan for an absurd amount was reported years later. Their practices are illegal and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: Innovis
State: IL

Complaint narrative:
Several accounts on my consumer report are inaccurate. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX has attempted to collect a non-viable debt from a fraudulent transaction. They have sold the alleged debt to XXXX XXXX as they could not sustain it under XXXX XXXX. No debt exists. They simply move it from one company to another and then re-attach it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation
State: CA

Complaint narrative:
I received a phone call that said a debtor was on the way to the courthouse to file a judgement against me. I needed to call them back immediately at XXXX to prevent them from garnishing my wages and seizing my bank bank accounts. They would not give me any other information on the debt, company trying to sue me, or anything else except a case number I called the XXXX number and someone immediately picked up and asked for the case number. 
They stated they were XXXX XXXX and they had been assigned this case by the attorneys. 
I told them the case number and they said that the same information. 
That they would be filing a lawsuit in a couple hours if I didn't immediately settle the debt with them. 
I asked what the debt was. They stated that it was a account from over 15 years ago. I questioned the legitimacy of the account. They than said that they notified me by mail recently ( which i did not receive ). They than said they would send another letter to me. 

This was suspicious because of the previous call ( and this one ) saying they were on the way to file a lawsuit. 

They provided Two addresses in the letter I received from them today. 

XXXX XXXX XXXX XXXX # XXXX. XXXX CA XXXX This is a XXXX XXXX at a Mail and More store. and where they want payments or dispute forms sent. 

XXXX XXXX XXXX XXXX # XXXX. XXXX CA XXXX This is the US Post Office branch XXXX XXXX . 

The state corporation website does not have a listing for XXXX XXXX in XXXX CA. 
The city of XXXX also does not list XXXX XXXX as a business at either of those two locations. 

There is a company listed by the state called XXXX XXXX XXXX, XXXX. 
Entity number XXXX listed as XXXX XXXX. 

This company has XXXX XXXX XXXX XXXX XXXX XXXX listed as the Mailing address. 
( same as XXXX XXXX. ) XXXX XXXX XXXX, XXXX was involved in a lawsuit in NY XXXX District Court. 
case number XXXX. 

I have not contacted them again due o the fact that they gave me XXXX XXXX 's as a business address, The actual business name is in question, and might not even be currently licensed in the state of California, and primarily because the first contact from them was saying that they were on the way to the courthouse to file a lawsuit unless I settled with them over the phone for a old questionable debt.

Company response to consumer: Untimely response
Consumer complaint received 2018-12-05 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: IL

Complaint narrative:
Several accounts on my consumer report are inaccurate. I am a victim of identity theft.

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 2018-12-05 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:
On XX/XX/2018, I discovered someone had been trying to use my credit to purchase homes and cars. I found an excessive number of inquiries on my credit report that do not belong to me. I filed an identity theft report with FTC on XX/XX/2018. I reported the fraud to all three agencies. XXXX  and XXXX removed the fraudulent items immediately. However, Transunion refuses to do so. They claim I have to call each creditor on the report and get a letter from them to remove the inquiry. Since I didn't request credit from these companies, I have no way to contact them. I tried looking them up but the only name on the report is abbreviated like XXXX XXXX XXXX. There's no company I can find called XXXX XXXX XXXX. How does Transunion expect me to contact a company of which I am not aware nor can I find on the internet? I thought the credit reporting act to protect me from issues like this. 

I have contacted Transunion several times regarding this matter and they refuse to remove the fraudulent items which is dramatically lowering my credit score. My XXXX  score jumped to XXXX when the items were removed and my Transunion score is still only at XXXX. It is hurting my ability to prosper and move forward in my life. I come from a long line of military men going back to the XXXX through my dad who was a XXXX. Please help me ... I don't know what to do/how to move forward.

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 2018-12-05 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: NY

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply .My name is XXXX XXXX XXXX , my current and only address 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 XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX  , XXXX  XXXX , XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: SC

Complaint narrative:
I mailed Equifax the necessary paperwork to remove the accounts on the credit files that did not belong to me and I have not seen any change and I have gotten no response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
PennyMac HAS engaged in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower requesting a loan modification. 

PennyMac has failed to deliver required foreclosure protections. 

PennyMac is using faulty information in the servicing of this mortgage loan. 

Please see attached letter correspondence dated XX/XX/XXXX, from the mortgage servicer, PennyMac Loan Services. 

The CFPB issued amendments on XX/XX/XXXX, The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. 

The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections. The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
On XX/XX/2018 I was served a summons to court because my wife and I were being sued my XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX aka Collection Bureau , INC. ISB No. XXXX Case No.  XXXX. 

They are attempting to collect a debt on behalf of the City of XXXX Idaho fora utility bill in which I had no idea that I owed them. I have never received any form of communication from the city, or collection bureau neither oral or written. I did a transfer of service from XXXX to XXXX Idaho XX/XX/2018. I have since then paid all of my utility bills as well as all of my other bills, because I am a responsible person in ensuring a roof stays over my childrens heads. I called the City of XXXX on XX/XX/2018 to let them know I had no idea I owed them money and that I could pay them right now on the spot. They said that they sent notifications to my previous address even though I had moved out of that residence. So of course I did not know I owed them money, no phone calls no nothing. 
Nonetheless I offered to pay them ( XXXX ) what they say was owed in the amount of {$160.00}. The City of XXXX then told me that they have an agreement with Collection Bureau INC that once something has been turned over to them that they will not accept a payment from the consumer/residence/citizen.

I then called Collection Bureau INC same day on XXXX XXXX. They claim to have sent me a letter on XX/XX/2018 and since I failed to respond they decided to sue me. I absolutely did not receive such a letter, but since they did not get a returned letter they deemed it valid. 

Collection Bureau INC., now claims I owe them a total of {$630.00} deeming any all fees, interest charges, filing fees etc. etc. whatever they choose to make up out of thin air. I unknowingly owed the City of XXXX. I never received a chance to dispute a debt of XXXX dollars Collection bureau inc claims that I owe them.as I have the right to do so under the FDCPA statute of 15 USC 1692g Ive only discovered this by being summoned to court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I contacted Quicken Loans about possible considering a home equity line of credit. XXXX XXXX, who was assisting me, obtained my private information and at no time told me she was going to pull my credit. I monitor my personal credit daily and at no time during the conversation did I advise her to pull my credit. What she did was illegal and unauthorized. If the phone call was recorded, at no time did I authorize XXXX XXXX or Quicken Loans to pull my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: MO

Complaint narrative:
Im am unable to withdraw money from my account. In order to withdraw funds they require a photo of me holding my ID and a sign. I have sent in multiple versions and they keep denying it. This is an absurd way to verify and then do not offer alternatives to verify, they wont even speak to me on the phone. I cant withdraw my funds!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: AR

Complaint narrative:
U.S BANK FAILED TO REMOVE THIS ACCOUNT NO # XXXX AS PROMISED in several LETTER. PLEASE RE-DELETE XXXX XXXX XXXX ACCOUNT FROM her XXXX CREDIT REPORT TODAY. THANK YOU.

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 2018-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NE

Complaint narrative:
I have had over 300 harassing phone calls at work and at home for a loan I have never been late or missed a payment on. I have repeatedly asked them to cease and desist from the harassment to no avail. This company practices predatory lending practices, sells private information and uses high pressure harassment to intimidate.

Company response to consumer: Closed with explanation