vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
On XX/XX/2019 at XXXX PST, I received a call from a collection representative with Contract Callers , Inc based on GA calling me on behalf of XXXX. When i answered this call I was immediately asked " am i speaking to ( my full name )? ". I refused to answer anything unless i knew where they were calling from. They again asked so i answered a simple " yes '', and asked what this was about. They quickly stated " And the last 4 of your SSN is # # # # and DOB # # / # # / # # # #? ". This made me feel extremely uncomfortable since anyone would be able to answer yes to their question and then get my information had they dialed the wrong number. What if they accidentally had my account up and called someone else? I feel like my rights that protect my sensitive information are being violated by this company.

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 2019-03-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I recently requested my credit files from all three credit reporting agencies. Once, received I notice a account on my credit from Ad Astra Recovery Services ( Collection Agency ) which had been from XXXX XXXX XXXX. The account showed was reported by all three credit agencies. I submitted a dispute with all three agencies, and the investigation from collections agency response was information verified. The collection agency did not give any accurate data concerning the accounts. The acct # XXXX also is reporting inaccurate opening dates on the account. with XXXX  shows opening date as XXXX18, XXXX XXXX reflected XXXX18. I submitted a dispute with also XXXX  a three reporting the negative account. A investigation was conducted, after the completion of the investigation. I requested debt verification of account information. Which, would verify when account was opened, and amount owed, and signature could be verified. At the time of this account open, I have never have had a nt with XXXX XXXX, and I am not aware of any account with this company. Ive contacted the Collection agency  Ad Astra Recovery Services. And I am attempting to get this issue resolved. By the collection agency providing account information of owner ship of the account. Which they will not provide in response to dispute of accurate information. The account is inaccurate, and negative, and derogatory information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Plus Inc
State: PA

Complaint narrative:
I am receiving back to back calls from ( XXXX ) XXXX XXXX, XXXX XXXX XXXX.. harassing me.. File XXXX ( ( XXXX XXXX ) ) @ ( XXXX ) XXXX ... that i will be handcuffed at work or where ever i am served and arrested as of TODAY XX/XX/19 as the sheriff department in XXXX XXXX PA.., if looking for me for an outstand Warrant for a debt that is on my credit report with an outstanding balance of which i need to give her my credit card number or bank account number ASAP to STOP the ARREST WARRANT!! Ms. XXXX is rude and very disrespecftul and absolutely scary.. I as Ms. XXXX to send me this in writing so i can see this for myself and she replied YOU KNOW ALREADY ITS ON YOUR CREDIT REPORT.. I XXXX XXXX HAVE NOT A CLUE OF THIS COLLECTION AS THIS IN FACT IS NOT ON MY CREDIT REPORT NOT TO MY KNOWLEDGE AT ALL.. I don't have any thing to do with this and i ask for proof as i will not ever give information over the phone Ms. XXXX then curse and hang up on me .. VERY VERY DISRESPECTFUL.. I then called back once i went into the Bank which themn spoke to a Ms/ XXXX XXXX @ XXXX who wanted NOTHING to do with answering these questions about the on going phone call coming from Ms. XXXX and she also disconnected the call .. 
I wanted to address the fact that Ms. XXXX said was going to have me arrested and the Bank said this if FRAUD and gave me FCC website to report this harassment ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: CITIBANK, N.A.
State: NV

Complaint narrative:
Application Status To check the status of your pending application, please enter your Application ID and your Zip Code and then select Continue. 

*Required Field *Application ID : XXXX *Zip Code : XXXX Cardmember : XXXX XXXX XXXX Application Id : XXXX Add citicards@info.citibank.com to your address book to ensure delivery. 

Your Citi Credit Card Application Status Your Citi Credit Card Application Dear XXXX XXXX XXXX : Thank you for applying for a Citi credit card. Your application for the Citi Card was received on XX/XX/2017. 

We are currently processing your application and will be in touch within 1 week. We look forward to the opportunity to serve you. 

To check your application status, please click here. 
https : //www.accountonline.com/cards/acq/CardApplicationStatus.do? screenID=XXXX & applicationID=XXXX We look forward to having the opportunity to serve you. 
so i put in my information ... and this is the message ... Citi We are unable to complete your request at this time. Please call XXXX for further assistance. so i have great credit just follow my asset # XXXX because when you take out a loan you have to show THE FEDERAL RESERVE YOUR CREDIT SCORE AND I HAVE THE NEW CREDIT ALLOWED BY MY FATHER XXXX TAKE IT UP WITH HIM HERE IS HIS NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I applied for the capital one quicksilver card this morning. Unfortunately I was declined. On XXXX XXXX   my score was XXXX XXXX and XXXX XXXX before the inquiry. Capital one is the only bank to decline me. I have good income, no credit card debt, and excellent credit but this bank will not approve me. I was suggested to apply but was declined by this bank for the second time this year. This is the only bank who treats me this way. I call them to try to fix this and they transferred me around 5 times and I got no resolution. Then I came to the cfpd. I feel this company is unfair and I am being mistreated. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
XXXX : I mailed my car note at the XXXX XXXX XXXX XXXX and found out a month later that my check never arrived. 
XXXX : I called the bank 's automated number and found out that check number XXXX had cleared for {$1500.00}. After talking to a customer service rep who transferred me to a fraud unit and being put on hold so long that my phone battery died, I drove to my branch office along with my dad. We met with a Personal Banker, who gave me a copy of my check which showed that the check had been changed to someone else 's name and for XXXX. We were all very surprised to see that the check did not show my signature and was not dated and the Personal Banker said that the check should never have been cashed. He called the fraud unit and they assigned it to case number : XXXX and said I should hear something within 15 days. 
XXXX : I had not heard anything so we went back to the bank and the same Personal Banker again called the fraud unit who said that were now in day 16 and they would escalate the service for 72 hours. 
XXXX : Still had not heard anything and we went back to the bank and the same Personal Banker was very frustrated that the money still had not been put back on my account. He once again called the fraud unit who agreed to what the Personal Banker had said was obvious that the check had been washed and should have never been cashed since it was not signed and dated. We were again told that they would escalate the investigation to 72 hours. The Personal Banker said that since he was already vested in this, he would call the fraud unit back in 72 hours on Monday XXXX, and keep me updated. 
XXXX : I went to the XXXX XXXX XXXX XXXX and told them what had happened and they said that during the first week of XXXX some mail had been fished from the outside box and they have had several complaints. I gave them a copy of my check which they had requested so they could pass it on to the postal inspector. 
XXXX : I still had not heard anything from the bank, including the Personal Banker who promised to keep me updated, and my {$1500.00} still had not been put on my account so I submitted a complaint to the Federal Reserve. 
XXXX : I received an email from the Federal Reserve explaining that they had forwarded my complaint to the CFPB for appropriate attention. 
XXXX : A month has now gone by and since I still have not heard anything from the bank or from CFPB, I called the CFPB to check on the status of my complaint but was told that there was no record of my complaint and no indication that it had been forwarded to them by the Federal Reserve. The CFPB rep was very nice helpful and suggested that I send a fresh complaint to CFPB.

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 2019-03-22 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:
There are many mistakes appear in my report without my understanding.

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 2019-03-22 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: MD

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-03-22 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: MD

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: LA

Complaint narrative:
I have been paying child support for years. The 1st case, I paid child support for a child  that was not my child. I went to court and the judge did a XXXX test  and the child was 100 % not my child after years of paying support. The Louisiana Department of Child support, was aware and received the documents, regarding this matter and refuse to release the child support. I still have my check garnished by child support for a child that isn't my child. In addition they take the child support from each pay check as a garnishment and yet has been reporting the monthly pays as late each and every month, which has destroyed my credit and refuse to correct, my credit report and the payments history, nor will they release the garnishment for the child that s not my child.. 

In addition I have another Louisiana child support garnishment that is being taking from my pay check each cycle and it is the same matter, the payments are taken out and the child service department reports the payments as late and are ruining my credit. After taking the monies directly from the check. Louisiana Child support, Experian, XXXX and XXXX, have all taken part in a plan to handicap me financially. The FAIR CREDIT REPORTING ACT, clearly states that if a item is intentionally been reported incorrectly or if the information has been reported incorrectly, that it must be removed and never reported on the credit file again. This is a clear cut case of child support showing on a credit file for a child that is not my child and child support payments, not being reported correct and showing as non payments being made, after the monies are garnished from my payroll check.

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 2019-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Toyota Financial Services ( TFS ) made an offer ( on a recorded line ) to give my family two months credit ( {$660.00} ) due to the Federal Government " Shutdown '' of XX/XX/XXXX and XX/XX/XXXX. To wit, my family and I accepted and have awaited the credit ever since. Today, at XXXX PST, Mr. XXXX ( I.D. # XXXX ) of TFS exclaimed that they will not honor this credit as they did not receive a signed note ( which my family and I did not receive in the mail no were we aware that we were to recieve, sign, and return such a Note ) to honor this agreement. Also, I, XXXX XXXX, have been taken off the account as an Authorized Agent on the account, leaving my wife, who speaks English as a second language to somehow negotiate with TFS in these matters. As a XXXX XXXX ( XXXX XXXX  ; CA # XXXX ), I consider this a " Switch-and-Bait '' tactic by TFS in order to lure my family into a false sense of economic security and not honor the " Government Shutdown '' credit arrangement which they recorded themselves to, '' honor. '' NOTE : TFS probably solicited several consumers with this offer and then withdrew it once their ( TFS 's ) internal quota had been reached. Again, this is likely a, '' Switch-and-Bait '' on a grand, corporate scale.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I had learned that my credit rating had fallen from XXXX to XXXX because my bank reported that i had not made two payments. The payments were XX/XX/XXXX and XX/XX/XXXX. I went to my bank online and down loaded the statements showing both payments were made and I uploaded them to the credit bureau to challenge the inquiry. I was informed by the bureau, that they did question the bank with my statements but the bank simply reported that there originally statement was correct. The credit bureau stated that there was nothing they could do. I went to my bank and question it and the new bank manager stated that she did not do this, it must of been done by down town branch. I called them and they stated that they reported it because my credit loan note came due and it was delayed refinancing the note. This to was not my fault. I new my note was due in XX/XX/XXXX and I started working on refinancing the note in XX/XX/XXXX. I can show you a history of my emails back and forth with the bank giving them all the information needed to redo the loan. Well, the bank manager ended up leaving and the existing manager had a slow start. Basically i felt like we had to start all over again. Even my accountant question why he had to repeatedly send the same information over and over again. I feel like the original bank manager drop the ball and really did not care, she could of finish the job. but in her last several weeks was pretty much like a vacation, nothing got done, while the new manager was still working full time at her previous location and then between locations, she didn't really have a chance until she was full time in XXXX XXXX NC. I feel like the bank was going through time management problems between the bank managers and punishing me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
My father 's broker ( XXXX ) pays his monthly car payment to GM Financial by check. For his payment due XX/XX/2019, in the amount of {$450.00} was sent on XX/XX/2019 to : GM Financial XXXX XXXX XXXX XXXX, Az XXXX That is the remit to address provided by GM Financial. The check was endorsed on XX/XX/2019 and cleared dad 's bank of XX/XX/2019. It remains unapplied to his account. I spoke with XXXX by phone. She told me they did not cash the check, saying that they bak with XXXX XXXX XXXX, while the check was endorsed to a XXXX XXXX account. I asked for help from XXXX in identifying the company that cashed the check, but have not heard back as of yet. I suspect that a lockbox service provide misdirected the check, but I have no way of knowing for sure. Despite the fact that I indicated to XXXX that I view this as GM Financial 's responsibility, I have received no support from them on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I applied for a Discover It secured card on XX/XX/2019 i was approved and chose to have a deposit in the amount of {$200.00} I recieved an email confirmation on XXXX/XXXX/2019 confirming the account. My bank account had fraud on it and i had to close out the account and open a new account. I immediatley reached out to discover to let them know that there was fraud on the account and was advised by rep that the transaction should go through and that i shouldnt have to change the account number. I just recieved a notification that the account was closed out and is now negatively affecting my account. I called out and rep told me that i would need to reapply and that the funds were not taken from the checking account. Called back and reached out to a manager said  pretty much the same thing but they would try and pull the call. I dont think that it is fair to treat a customer that was trying to let discover as a company that the account was compromised and tried giving account number to CLOSE the account out and negatively effect me. I told the manager on the phone that i have the new account number and routing number and was told that he would have to see what he could do. HORRIBLE first impression of a well known credit card company. I did what i needed to do to let the company know and they still dont have an answer for me and not wanting to help me. Next stop XXXX XXXX XXXX  to file a complaint as well. Totally sad that i have to do this but i dont think that its right at all. This is all over a measly {$200.00} secured credit card that i wanted. Im willing to give the new account number and everything ... just sad!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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: MD

Complaint narrative:
Credit Bureau refuses to reinvestigate accounts where documentation has been provided to them stating that the vendor amounts are incorrect and has no information or data on accounts.

Credit Burasu refuses to provide any documentation and method of verification, but instead telling me that I need to contact the vendor.

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 2019-03-22 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:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22 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:
There are many mistakes appear in my report without my understanding.

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 2019-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Application Status To check the status of your pending application, please enter your Application ID and your Zip Code and then select Continue. 

*Required Field *Application ID : XXXX *Zip Code : XXXX Cardmember : XXXX XXXX XXXX Application Id : XXXX Add XXXX to your address book to ensure delivery. 

Your XXXX  Credit Card Application Status Your XXXX Credit Card Application Dear XXXX XXXX XXXX : Thank you for applying for a XXXX credit card. Your application for the XXXX XXXX was received on XX/XX/2017. 

We are currently processing your application and will be in touch within 1 week. We look forward to the opportunity to serve you. 

To check your application status, please click here. 
XXXX XXXX XXXX XXXX XXXX XXXX We look forward to having the opportunity to serve you. 
so i put in my information ... and this is the message ... XXXX We are unable to complete your request at this time. Please call XXXX for further assistance. so i have great credit just follow my asset # XXXX because when you take out a loan you have to show THE FEDERAL RESERVE YOUR CREDIT SCORE AND I HAVE THE NEW CREDIT ALLOWED BY MY FATHER XXXX TAKE IT UP WITH HIM HERE IS HIS NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation