vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Payday loan 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: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
I get emails few times from them saying will take me court or arrest me and go jail. They threatened me on emails. Im XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
Associate credit service is reporting a paid collection on my credit report of XXXX. Associated credit service never sent me any notices. this amount was paid to XXXX XXXX. i would like this account removed from my credit since proper procedures were not taken by associated credit services Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this manner as soon as possible. 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 2019-02-05 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this manner as soon as possible. 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 2019-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
In XX/XX/XXXX, I Filed claims for the unauthorized transactions where Suntrust Bank allowed additional transactions to be charged from the merchant on my account. I filed a subsequent claim and requested a block for the merchant and a written response for the action taken. The fraud case determination was not in my favor and i requested all documentation used in the determination or the case be sent in writing on XX/XX/XXXX. As of today I have not received any further communication on any of my requests, only denial letters which does not provide any new information. I am not responsible for the fraudulent transactions and find Suntrust 's lack of communication on the requests to be an admission of making case determinations without merit.

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 2019-02-05 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The  latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX of XXXX, FL XXXX XXXX XX/XX/2017 auto loan. Did not give permission for this inquiry. 

XXXX XXXX XXXX XXXX XX/XX/2017 Did not authorize this inquiry XXXX  Card XXXX XX/XX/2017 Did not authorize this inquiry I have put a freeze on my credit reports with all 3 credit agencies because companies are doing credit checks without my permission via the internet. i am trying to improve my credit to get a house and this is hurting my credit scores

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 2019-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: OK

Complaint narrative:
Late Fee for {$23.00} charged on XX/XX/2018 mailed statement. 
Paid the {$23.00} late fee XX/XX/2018 by electronic payment. 
XX/XX/2018 {$23.00} late fee payment applied to principal and finance charge. 
XX/XX/2018 mailed statement lists a {$23.00} curtailment credit amount. 
Fee billing for {$23.00} reoccurs in the following months statements for XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018, added to the monthly payment due. 
Each month when I pay the amount due, the {$23.00} fee payment is listed as a curtailment credit on the statement the following month. 
I've called customer service numbers listed on the statements with no success. 
I've written, as requested on the monthly statements, requesting that the monthly statements be corrected, removing the fee that has been paid 5 times, and I asked how the curtailment credits for the fee amount are applied to my account. 
No action or response from the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
When I tried online to make payment of my mortgage for the month of XX/XX/XXXX, it has come to our notice that my XX/XX/XXXX is not being accepted due to nonpayment of XX/XX/XXXX mortgage. It has come as a surprise to me because the payment of XX/XX/XXXX has already been paid and withdrawn from the account as per bank statement for the month of XX/XX/XXXX is attached. Moreover, an email was received as confirmation of payment from the website of Ditech.com under confirmation # XXXX. It was more surprising when the representative of Ditech also demanded the bank statement for the month of XX/XX/XXXX saying that the payment was also missing for XX/XX/XXXX, when I was talking over the phone on XX/XX/XXXX at approximately XXXX XXXX. 

I am attaching the copies of my bank statement for the month of XX/XX/XXXX, XX/XX/XXXX and the copy of the confirmation email received from the Ditech. Com with details. This is not the first time that the Ditech Financial LLC has troubled us in the matter of mortgage payment and for your kind information that in XX/XX/XXXX the company had created the same issue and after a long time it was accepted in our favor. 

I would appreciate if CFPB takes necessary action to resolve the issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-02-05 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am in the process of rebuilding my credit and recently pulled my credit reports from XXXX, XXXX, and XXXX  and noticed a debt that I believe that I do not owe. The company attempting to collect the debt is Portfolio Recovery. I do not believe that I owe this company or the original creditor which is XXXX XXXX. On XX/XX/XXXX I sent Portfolio Recovery a debt validation letter requesting " validation '' as opposed to " verification. '' I have attached the response that was sent to me on XX/XX/XXXX. It is my opinion that what they sent me was not " validation ''. The company failed to send me an original contract between me and the original creditor, all they sent me was a statement and a letter from the original creditor that states that the debt had been transferred to their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: Credit Plus Inc
State: VA

Complaint narrative:
In XX/XX/XXXX I had contacted a mortgage lender XXXX XXXX from XXXX XXXX in regards to possibly getting a pre-approval for a home loan with my fiance. I had provided him my information and told him that I needed to get my Fiances information before he ran my credit. I explicitly relayed to him to not pull my credit because I am buying a home with my fiance. XXXX XXXX disregarded my wishes and ran my credit anyways. This was done illegally and against my wishes. 

In XX/XX/XXXX, I contacted Credit Plus to remove the inquiries from my credit and The letter I received from them indicated no proof that the lender had permission to run my credit. In fact it states he received my permission verbally and through the phone. That is incorrect ; I never gave him permission to run my credit whatsoever. I as I had stated, I explicitly relayed to him that I did not want my credit ran until I had gathered my fiances information. The lender ignored my wishes and ran my credit anyways. That is completely unprofessional it reflects badly on the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
On Saturday XX/XX/19, I needed to access the funds in my savings account in order to put an offer in on a house. I have recently relocated and am in another state that M & T is not located in. I decided to transfer funds from my savings account into my checking account that I have with another bank that is more accessible. I tried to do so online as the website suggests. However I was unable to do so, the website told me to call customer service which was unavailable on the weekends. On Tuesday morning XX/XX/19, I called customer service and they told me there should be no issue. I was able to get further in the process, however when it came time to actually transfer the money, I got the same error message. The representative that was on the phone with me told me that the company flagged it as fraud because of the amount ( {$1400.00} ), but it should be cleared in a couple days and I can make the transfer then. I let the representative know that due to the nature of the situation, I do not have a couple days. They are my funds and I need access to them at this time. I was transferred a couple more times, ultimately speaking with a supervisor who offered to increase the limit ( to {$2900.00} ) that I am able to withdraw from and ATM so I could access my funds that way. When I asked about the fees from using another bank 's ATM, I was told that they can only waive fees assessed by M & T ( This wasn't offered to me, I had to ask for it ). I then let them know that I was not asking to waive fees, I was asking to be reimbursed for fees I have to pay due to M & T blocking my online transaction. The supervisor said there is nothing they could do about that and transferred me to a manager. The manager also told me that there was nothing she could do because it was not due to an M & T error, the fraud alert was supposed to happen. The transaction I made that caused the fraud alert, was made with the instruction from a representative in the online banking department.

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 monetary relief
Consumer complaint received 2019-02-05 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: Lending Club Corp
State: FL

Complaint narrative:
On about or about XX/XX/2019 I applied for a new loan with Lending Club, they denied my loan but sent me to XXXX XXXX they might help! I applied and was subsequently denied by XXXX XXXX.Since then everyday i was getting letters from XXXX XXXX  saying my loan was denied and that i could request specific reasons Up until today i disregarded these multiple emails Today I received another email saying my loan application was denied TODAY I made no such application .Once i realized what they were saying I called XXXX XXXX  i was treated rudely They refused to let me speak with a supervisor.They said the application was made in my name with my real social security number.and then they hung up I contacted Lending Club they said there was nothing they could do .If they realized my personal information or did not protect it that must be rectified.Lending club said they are investigating it.Lending club should be held accountable for partnering with a scam lender

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I recently received a debt collection notice from this company. I work long hours and I am requesting no phone calls and to be communicated with in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth third bank has called my work ( a XXXX XXXX XXXX line ) on XX/XX/19 at XXXX. I spoke with a lady and told her she can not call me on this XXXX work line because I will get in trouble as well. She said where exactly would you like me to call because youve been avoiding and dodging my calls and I told her to call my cell phone. She stated it was a recorded line as well. Today ( XX/XX/19 ) I received another call from XXXX at the XXXX work line. I was not there but my XXXX   informed me that a lady named XXXX from fifth third bank is looking to speak with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: IL

Complaint narrative:
XXXX  did a criminal background check on me and they took longer than expected to complete. Once I did get the information presented to me they reported fraudulently a felony criminal charge that was not accurate. I was told by the representative " XXXX '' I believe when I called in that Nevada was reporting the charge as a felony.I did immediately ask to speak to the compliance department and was transferred to a voiceless voicemail. I left a message. When I called to Nevada to verify what the issue was the clerks office did report that the company was inaccurate and the the only charge being reported publicly should have been a XXXX XXXX XXXX aka XXXX   XXXX. I left the contact number when I called a second time to the compliance voicemail for XXXX  which was for a supervisor by the name of XXXX or XXXX at XXXX for the XXXX XXXX justice court criminal division. This has caused me not only a further delay in my potential employment but the inaccuracy can now completely revoke my eligibility for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I recently received a debt collection notice from this company. I work long hours and I am requesting no phone calls and to be communicated with in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been trying for over 5 weeks to work with XXXX XXXX to transfer my health savings account balance from XXXX XXXX XXXX to XXXX XXXX XXXX accounts. I have called them multiple times and have been given incorrect information how to transfer my funds. 2 reps told me I could do it by calling and they inform me it will take affect within 24 to 48 hours. However when check my balances it is still not done. I call back and they tell me the transfer did not go through due to errors on their end. Other reps tell me I have to complete and mail back forms which I have also done. Then when I call I am told they have no record of me sending forms. I need your help in resolving this issue and I have run out of options dealing with XXXX XXXX for a simple funds transfer request.

I do not have access to my funds which I need for medical treatment for over 5 weeks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: TX

Complaint narrative:
Equifax was notified that I was a victim of identity theft. Equifax has taken no steps to resolve the identity theft. They continue to avoid assisting and continue to allow fraudulent information on my equifax report. Equifax refuses to block the fraudulent information that resulted from this identity theft even though they have not followed consumer regulations. They continue to have a fraudulent address on my credit file also yet send me letters in respond to my complaints stating they cant locate my credit file. Because of the wrong address. I have a credit file I can view it myself. I want Equifax to block the fraudulent accounts that I have not authorized that were opened using my stolen identity. These accounts include an Auto Loan From XXXX XXXX XXXX XXXX XXXX, a credit card from XXXX XXXX XXXX XXXX, a line of credit from XXXX XXXX XXXX XXXX XXXX. A secured loan from XXXX XXXX XXXX, a Credit card from XXXX XXXX XXXX, and An Account from XXXX XXXX, A XXXX Account, Fraudulent. A fraudulent XXXX  account credit card. These are all fraudulent. I did not authorize these accounts and Equifax is the only one authorizing these accounts to be added to my file from my stolen identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
I sent Receivables Management Corporation by usps CERTIFED mail ( attached ) on XXXX and it was delivered in XXXX t them. In my letter I specificly stated that I did not wish to be contacted by phone and to communicate in writing only. Yesterday, XXXX I got a call at XXXX from a Pre-Recorded Voice maessage from Recievables Management. I don't understand why they would still call me after I asked them not to. I have spent countless hours now trying to correct their mistakes and I don't know why it's taking this long and it's causing me a lot of stress and anxiety.

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