vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 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: TX

Complaint narrative:
I used to be a customer of XXXX XXXX and be paperless enrolled and make all my payments via automatic payments. I never missed a payment from of utilities. 
In XXXX I moved from XXXX  to XXXX and closed the XXXX XXXX account and I was expecting that any remaining balance should be paid via automatic payment. 
Since that, I never received any final bill my to my current address. Also, I never received any call or email from XXXX XXXX. Just a quick remember that I was used to receive my communication and bills via email because I was paperless enrolled. 
On XXXX, I received an alert from XXXX  about a Collection account was reported to my credit report, I call XXXX to understand the details and I was informed that the company ASSOC CREDIT SERVICES reported a debt collection and the original debt is from XXXX XXXX. I got very surprise because I never received any notice of this debt from XXXX XXXX or the Collection company. 
In the same day of XXXX, I call the collection company and paid in full and requested to than to remove this derogatory account from the credit bureaus ( XXXX, XXXX and XXXX ) because I neves received any notice, however I was informed by the agent they were not able to do that. 
Since that, I started to open disputes of this collection account report in my credit report directly with XXXX, XXXX and XXXX. In the next day, XXXX, XXXX  accepted my dispute due the argument that I never receive any notice and because they know I never missed a payment and this was a mistake. 
On XXXX I call XXXX to get the status of my dispute and I was told they can't remove because that account belongs to me. I did not accepted their decision and I placed I new dispute. XXXX information from phone and website are very incomplete and inconsistent, it has been impossible to follow this dispute with XXXX. The dispute number is XXXX. 
XXXX  has never provided a feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reached out to XXXX several times to have this inaccurate inquiry removed from my Equifax credit report. i sent certified mail on XX/XX/XXXX, XXXX it has now been over 30 days and i still havent received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I applied for a XXXX Credit card and was denied credit. I immediately called the XXXX credit card department at XXXX and spoke with XXXX, got disconnected and later spoke with XXXX, both on XXXX XX/XX/2019, at XXXX XXXX   through XXXX XXXX I asked XXXX for the main reason of denial for the credit card. She stated I had an 18-year-old Bankruptcy against XXXX, that account in question was charged off through the bankruptcy as bad debt, however, XXXX XXXX XXXX recovered most of the money through federal subsidies. Furthermore, it is against the Consumer Credit Protection Act of 1968. to use information no longer listed on my current credit report. I told XXXX that I was only looking for a {$2500.00} credit limit and XXXX had no business using old records on file. It took me over ten years to clear the bankruptcy on file and that alone can not be used against me to deny me credit. My credit report is very good, XXXX. I also asked XXXX to please reconsider me for a XXXX credit card, In good faith, to slowly build my credit. The Denial letter was sent back to the bank for further review. I have not heard anything as of yet. For them to reconsider their decision. I have a XXXX Credit Score, no outstanding debt, payments are always on time. Thank you for your time.

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 2019-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
HCI Healthcare receivables, trying to collect bill from XXXX  XXXX Medical Center. It is not my bill. Both HCI and XXXX XXXX feel that if they want it to be my bill then it will be. I am not the primary on the insurance. Both HCI and XXXX  XXXX lie about that and feel that if they wish it to be true then it will be. CFPB has done nothing to help. I'm going to try one more time to have CFPB help me before having the new County attorney investigate them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
American Express just sent me a modified set of terms and conditions which included a requirement that ALL arbitration proceedings and settlements must be kept secret. 

This is patently unfair and abusive term, as American Express is using their market power to force consumers into accepting egregious terms such as these. 

This clause allows the company to harm innumerable numbers of customers in complete secrecy and prevents the public and other customers from even knowing about these issues. In order to hold a company accountable, the courts have long made their records public so that everyone is aware when someone is found guilty. 

Additionally, the COMPANY knows ALL of the consumers and ALL of their complaints, so this is additionally a very one-sided term. 

Indeed, historically, XXXX XXXX was able to defraud over 3 million customers -- in no small part due to the use of arbitration. With companies like American Express now forcing secrecy UP FRONT and unconditionally, this unfair and abusive behavior is only more likely to occur as there will no longer be any way for anyone to even KNOW about that type of behavior ( it was only through an investigation by a newspaper that XXXX XXXX 's massive fraud was found -- if that was held to the standards forced by American Express, it could never come to light ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I pulled my credit report and seen that i have some inquiries that I didn't authorize. None of these companies have my permission, signature or my consent to have pulled my credit. I do not have any accounts open from these inquiries and I would like to have them removed as soon as possible. Its illegal according to section 604 of the FCRA. 
Transunion 1. XX/XX/2019 XXXX XXXX XXXX 2.XX/XX/2019 XXXX XXXX   XXXX 3.XX/XX/2019 XXXX XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX XXXX 6. XX/XX/2019 XXXX XXXX XXXX XXXX 7. XX/XX/2019 XXXX XXXX. 

XX/XX/XXXX 1. XX/XX/2019 XXXX XXXX XXXX XXXX 2.XX/XX/2019 XXXX XXXX XXXX XXXX 1.XX/XX/2019 XXXX XXXX 2. XX/XX/2019 XXXX XXXX XXXX  3. XX/XX/2019 XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX 6.XX/XX/2019 XXXX  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 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
There is a FraUD, the bank robbery XXXX dollars plus XXXX dollars fee, I tried to contact the bank, but they don't care. I will do a COMPLAINT and I will go to the COurt against the bank.

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 2019-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2018, PayPal made my remaining Account balance of {$230.00} available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation
State: WA

Complaint narrative:
Collection appeared on my report that is not mine. I have not owned a car in almost 20 years so I dont see how this could be mine. 

No actions where taken against me, I was only notified through a credit alert. 

I believe this is some sort of identity theft. 

Collection Agency : Credit Intl Corporation Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$3300.00} Amount : {$2800.00} Reported Collection Credit Report : XX/XX/XXXX 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 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I pull my XXXX credit report XX/XX/19 for my Nationstar mortgage account that has not been updated since XX/XX/2019. this is a constant issue with Nationstar reporting accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I pulled my credit report and seen that i have some inquiries that I didn't authorize. None of these companies have my permission, signature or my consent to have pulled my credit. I do not have any accounts open from these inquiries and I would like to have them removed as soon as possible. Its illegal according to section 604 of the FCRA. 
XXXX 1. XX/XX/2019 XXXX XXXX XXXX 2.XXXX XXXX XXXX  XXXX 3.XXXX XXXX XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX XXXX 6. XX/XX/2019 XXXX XXXX XXXX XXXX 7. XX/XX/2019 XXXX XXXX. 

Equifax 1. XX/XX/2019 XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX   1.XXXX XXXX XXXX 2. XX/XX/2019 XXXX XXXX XXXX 3. XX/XX/2019 XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5.  XX/XX/2019 XXXX 6. XX/XX/2019 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I pulled my credit report and seen that i have some inquiries that I didn't authorize. None of these companies have my permission, signature or my consent to have pulled my credit. I do not have any accounts open from these inquiries and I would like to have them removed as soon as possible. Its illegal according to section 604 of the FCRA. 
XXXX 1. XX/XX/2019 XXXX XXXX XXXX 2.XX/XX/2019 XX/XX/XXXXXXXX 3.XX/XX/2019 XXXX XX/XX/XXXX 4. XX/XX/2019 XXXX XXXX 5. XX/XX/2019 XXXX XXXX 6. XX/XX/2019 XXXX XXXX XXXX XXXX 7. XX/XX/2019 XXXX XXXX. 

XXXX 1. XX/XX/2019 XXXX XXXX XXXX XXXX 2XX/XX/2019 XXXX XXXX XXXX Experian 1.XX/XX/2019 XXXX XX/XX/XXXX 2. XX/XX/2019 XXXX XXXX XXXX  3.  XX/XX/2019 XXXX XXXX 4. XX/XX/2019 XXXX XXXX 5.  XX/XX/2019 XXXX 6. XX/XX/2019 XXXX 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 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
XX/XX/2018 I closed my loan application with Amerisave, loan number XXXX, and requested the {$500.00} they collected for an appraisal fee to be returned. My home was never appraised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NV

Complaint narrative:
I rented a apartment at XXXX XXXX XXXX XXXX It was unit # XXXX. Upon repeated harassment from tenants below us I decided to move after the women who lived there tried to force their way into my unit. I called management repeatedly and was told it is a personal matter. After I felt unsafe I left on XXXX fearing for mine and my daughter safety. On XXXX this debt was turned over to XXXX XXXX collection agency. My rent was paid until XXXX my lease was up XXXX. This collection agency contacted me on XXXX demanding I take care of the debt. I pointed out a few major issues. 
1 ) my rent was paid until XXXX how can I owe for non payment I have the transaction on my bank statement. 
2 ) my lease was up XXXX yet you say I owe you 24 days but my rent was paid until XXXX. 
3 ) the carpet damage is on the walk through report and was badly damaged and frayed when I moved in I was there 8 mos.

4 ) I never received any information or itemized bill from anyone yet you are trying to collect a debt. 
5 ) this building is a non smoking building but I was constantly having XXXX smoke blown into my unit by down stairs through balcony door and through vent in the bathroom. 
6 ) in there own lease it says prohibited activity is threatening behavior the disturbs the safety of others. I'm XXXX and XXXX these women tried to force their way into my unit. 
I called the management office several times telling them about repeatedly being bullied and harassed and XXXX told me is was a personal matter.

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 2019-10-10 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: NC

Complaint narrative:
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 2019-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I received a letter on XX/XX/2019 that was dated XX/XX/2019 stating that I owe {$2600.00} Before I even opened this letter, I knew that this letter was for a debt collection. The neighbor that received my mail by accident also made a comment about the fact that this letter was from a collection agency, also without opening the letter. 
In today 's day in age, people are nosy and almost everyone has access to the internet. 
I have attached a picture that shows the collection agency 's name and address right on the front of the letter in the address fields.

Since I am a debt collections manager myself, I know that this is illegal due to third party disclosure laws that are regulated through the FDCPA protection laws. 
It's very easy for someone to XXXX the company listed on the letter in order to see that it is a collection agency sending the letter which in turn discloses that I may have a debt with that agency, as there aren't other many reasons for such a letter to be sent by that type of company. Since this company handles many types of debt, it's a pretty popular one that many people know about and some people may not even have to XXXX it to figure that much out. 
This embarrassing issue is one that no debtor deserves to go through since there are so many laws that prevent such practices that divulge the fact that I have dealings with a collection agency to people other than the one that owes the debt. Also, since the letter took so long to get here, it's possible more than just my neighbor now knows about my personal business matters are with a collection agency. 
This issue is not only not acceptable due to morality issues, it is illegal. Also there have been agencies in the past that have had major lawsuits dealing with this exact issue. Those cases outcomes are what helped cause the laws to be the way they are now. 

I will consider not perusing legal action against MRS if they are willing to rectify this situation by paying my account off, in full, in the month of XXXX. 
Compared to the potential consequences and costs of this going to civil court, this option would be a much cheaper and less damaging to the company 's reputation. 
If this issue is not dealt with by the company appropriately, I will have little choice but to take further actions in order to get compensated for the humiliation I experienced caused by this agency 's negligence of ensuring that my PERSONAL business matters remain private and not displayed for the public to see.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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 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 2019-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I received a garnishment letter from my job stating that wages were being taken for LVNV FUNDING LLC, for credit card debt. I was never informed of this debt or received any notice of garnishment. I had to go to court to try to stop te garnishment and I was told that I was in fault of default judgement for the following case Case : XXXX LVNV FUNDING LLC, I looked into laws and my rights and found out the this company do not have license to collect in the state of TN. 

Details License # Status Expiry Date Rank Name ATTN Original Date XXXX Application Expired ' LVNV FUN $ DING LLC,    ' XXXX Application Withdrawn ' LVNV FUNDING, LLC,    ' This company is collecting {$1000.00}. Not only did they not give me notice or proof of this debt they are not allow to collect in TN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Bank note forgery with the assistance of a bank representative allowing for improper and unwanted Agent and Beneficiary ( POD ) for savings and checking accounts. > {$30000.00} Bank 's written response, " After completing investigation of your concerns, we were unable to substantiate the occurrence of any alleged forgery. '' XX/XX/XXXX It was noted that it was the same bank representative that had Notarized signatures on multiple bank cards that we strongly believe not to be authentic in which granted complete access and diversion of funds in absence of oversight to occur. 
Verbal reply, " The alleged forged documents had no bearing on how the accounts were paid out. '' claiming that there was no damage. The alleged forgery occurred XX/XX/XXXX. An additional Bank Card was completed and signed XX/XX/XXXX. In reality the suspected forged documents allowed for Agent and Beneficiary to divert funds from Estate for multiple years.

If the bank would have completed their due diligence and matched the signatures with signature on file the forged documents would not have allowed for the diversion of funds. 
The bank 's haphazard handling of the reported forgery has allowed the forger and the bank representative 's role to be unsubstantiated. 
It remains evident that the bank is unwilling to admit damages nor acknowledge the suspect role one of their past and current bank representative 's played in the ultimately diversion of funds for multiple years. 
The bank representative, XXXX XXXX XXXX XXXXXXXX at the Customer Care Center denied access to communicate directly with their legal department to determine authenticity of signatures. They require we hire an attorney and are requesting we enter into a legal battle knowing that they have the benefit of wherewithal. 
Forgery is a serious crime and requires due diligence on the bank 's responsibilities to protect assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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 am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: NY

Complaint narrative:
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