vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Armcon Corp
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX regularly employs dishonest, unethical and illegal practices to run their business. They obtained a judgment on a {$2500.00} debt and inflated it to XXXX, falsely " served '' me at what they claim was my place of employment which was a county office address 75 miles away from me that I have never visited nor worked for. Completely falsified service!!! They continued to inflate the amount due over a 10 year period before I became aware of it through a letter from my bank. 

When I learned about this from a bank levy in XX/XX/2016, I contacted them about it and they threatened me with more legal action, would not negotiate, and even bullied an attorney I asked to call them as a favor to me to find out the particulars on the issue. 

Every attorney I spoke with is familiar with this company which has a very bad reputation for doing exactly what they did to me - using illegal means to obtain judgments. The owner XXXX is described by one attorney to be " the scum of the scum of collection agencies. '' NOTHING can be done legally to give me justice, the attorneys told me. According to the law, the judgment should be set aside since they employed illegal means to obtain it, yet I was told I would receive no justice from the courts and would be forced to file bankruptcy which I did not wish to do. 

I am not interested in you contacting them about my debt as there is nothing that will help at this point, but I would like you to pursue shutting them down and putting them out of business. A company that operates through illegal means shouldn't be allowed to continue to victimize people and destroy them financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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:
sent over ftc violations took off and put back on with notifying me the against my rights and a violations of the law .. Law saids they have 10 days to let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I lost my money in my bank account when they tried to change from XXXX XXXX to XXXX. When I called them they put me on around and sometimes put me on hold without coming back. 
FYI, I lost on my investment account with capital one investing for about usd 400. And I lost around usd 500 in my checking account with Capital one bank. 
I am registered in the institution as XXXX XXXX XXXX. 
Kindly investigate. My suspicion is they make a big mistakes on changing from regular systems to XXXX systems. 
Thanks very much for your attention Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: Riverwalk Financial Corporation
State: TX

Complaint narrative:
sent over ftc violations took off and put back on with notifying me the against my rights and a violations of the law .. Law saids they have 10 days to let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: WA

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 2019-02-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I contacted the application Credit Karma due to information published from lenders for my current student loans reflecting an increase to the interest of those loans but all loans showing in current status and in Deferment or Forbearance. My score recently dropped XXXX points due to the reporting from these lenders of the interest accrual. I reached out to the lenders and was advised that my score should not have been affected due to the up to date status of my loans. I reached out to Credit Karma and was told it was due to the balance increase and that was the reason for the drop in score which was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ

Complaint narrative:
Background - Went to court because my former business partner stopped paying me in XX/XX/XXXX per our buyout agreement. I've been living on my savings since XX/XX/XXXX. Wasn't able to make my mortgage payments in XX/XX/XXXX and XXXX XXXX sold my loan to Rushmore Loan Management, a debt collector, in XX/XX/XXXX. My lawsuit was resolved in the fall of XX/XX/XXXX where I receive half the amount I was receiving originally. 
Rushmore required {$5000.00} for an initial deposit and increased my monthly payment from approximately {$3300.00} to {$4700.00} per month based on a 7 % fixed interest rate. Rushmore is ruining our credit score and profiting from our problems. 
I am XXXX years old. If my former partner honored our buyout agreement, I would not be in this situation. My attorney fees were in excess of {$100000.00} and took over 2 years to reach a reduced agreement. 
I've requested that Rushmore modify our loan and add the {$33000.00} outstanding balance to our loan amount to take us out of foreclosure status. They have not done that. They don't return calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: FL

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT ( IDEAL COLLECTION SERVICE OPENED XX/XX/2018 ) WITH THIS BUREAU TIME AFTER TIME FOR THE LAST 3 MONTHS. I HAVE NOT RECEIVED ANY PROOF BACK OR ANY TYPE OF RESULTS. THIS ACCOUNT DOES NOT BELONG TO ME AND I DID NOT AUTHORIZE ANYONE TO OPEN THIS ACCOUNT. THE BUREU OS NOT COOPERATING WITH ME AND THIS ACCOUNT IS HINDERING ME FROM OBTAINING ANY FURTHER CREDIT.

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 2019-02-28 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
Hi, Someone tried to open a line of credit in my name with Ace Cash Express and was denied. I did not try to open any new lines of credit. The person that tried to get the line of credit also changed who I'm employed with on my credit. That was according to the XXXX XXXX report that I ran. I have made a police report with the XXXX County Sheriffs Office and am waiting on the report to submit to Ace Cash Express. I would like the hard hit on my cred report removed being that I did not ask for my credit to be ran. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: WA

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 2019-02-28 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: WA

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 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Webcollex, LLC
State: TX

Complaint narrative:
XXXX XXXX has previously been informed that my company does not allow personal calls during work hours, XXXX XXXX continues to call my place of employment. This last time the agent hung up without identifying the company she was calling from. The agent then claimed that the work phone number was the only contact information she had for me, which is false. This harassment at my place of employment needs to stop. This call was received at approximately XXXX XXXX  central time on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I received a statement in the on or about the second week of XX/XX/2019 from HSBC bank. This account was fraudulently opened under my name, using my home address, date of birth, and social security number. After calling the customer service department at the bank, they told me to send a letter with the details and they would close out the account. I also went to a local branch and talked with the senior branch manger to get the account closed. She promised me this would be taken care of within 5-7 business days. On or about the second week of XXXX I received my second statement that the account was still open and getting interest. I then called the local branch manager to let her know the account was still opened, and she told me per her corporate office it sometimes takes longer to close out an account under these circumstances. I have not heard back from her as of today XX/XX/2019..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX XXXX was working with me i was paying them {$750.00} every 3 months out of my credit cards. I signed paperwork from mail from XXXX was my represenative. 
My house got put up for auction which Wells Fargo bought even though people were trying to buy it. 
However after many months nothing happened with Wells Fargo Lowering payment so was XXXX and cancelled lawyer as nothing was happening. 
XXXX XXXX ( foreclosure specialist ) said in voice mail i was getting something in the mail in next 2-3 days, i am so scared i do not know what to do. I have sent letter by mail and on the sight to send things to Wells Fargo. I am a very sick women with XXXX ( my immune system is whacky and i have had XXXX XXXX XXXX XXXX, I will pay every month ( which i have promised over and over. I get my Social Security check the 2nd Wednesday of the month and will call in and pay with customer service or send a 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 2019-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I was contacted via mail and was given the option to settle my debt from XXXX   XXXX for {$460.00}. 
I am unable to pay them nor will I for the following reasons : 1 ) they were double and triple dipping into my bank account then sending the checks back as fraud because they claimed to have no knowledge of me having a bank account 2 ) I paid them for months but never had any money put back on my card 3 ) my credit cards from XXXX XXXX XXXX and XXXXt XXXX were stolen and when I called to cancel the cards I was brushed off with Snyde comments and then was told that my account was closed due to lack of payments and that they couldnt protect my security by closing my full account, yet am still being billed via phone for over {$80000.00} when I only owe just over {$3000.00} then when I called to complain about this the same man who was asking for {$80000.00} said that they were not aware that this was going on. 
4 ) because of their double and triple dipping into my accounts and irresponsibility they now owe me a total of over {$300000.00}. 
5 ) I was moving last year when they called to threaten me over a fraudulent amount

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Attempted to contact servicer to understand status of the account. A customer service rep indicated the mortgage was reaffirmed after CH XXXX Bankruptcy in 2010 discharged. Advised this was incorrect and that charging late fees on the account is an attempt to collect a dept, specifically prohibited by U.S.Bankruptcy law. Servicer refuses to remove fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
FRAUDULENT CHARGES. I DO NOT OWE XXXX AND THEY ARE REPORTING NEGATIVELY ON MY CREDIT FOR {$370.00} FOR A ACCOUNT. I PAID OFF MY PHONE DEVICES FROM THEM AND SWITCHED COMPANIES SO I SHOULD NOT EVEN OWE THEM. I CALLED THE COMPANY I CALLED THE COMPANY THEY SOLD THE DEBT TOO AS WELL. THEY BOTH SAID I COULD SETTLE THE DEBT FOR {$200.00} AND THEY WOULD UPDATE THE ACCOUNT ON MY CREDIT IS AS SETTLED AND PAID IN FULL. BUT NO I DO NOT OWE THEM THIS IS STOPPING MY HOME LOAN FROM BEING APPROVED SO THEM PUTTING SETTLED DOES NOT HELP MY REPORT IT WILL STILL SHOWS AS ONCE NEGATIVE ACCOUNT. NO GOOD WHEN IT IS NOT MY ACCOUNT ONE REPRESENTATIVE SAID I COULD PAY AND THEY WILL REMOVE IT SO I AM TIRED AT THIS POINT NOW THEY DONT AGREE TO REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Fraud charges have been filed, talked to agent, sent out response letter to Citi Bank and neve resolved my dispute and all fraud charges are still on my account. 
No body contacted me ever since I filed the dispute fraud charges.

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 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On about Monday XX/XX/XXXX, I received a credit card statement from XXXX - XXXX XXXX XXXX XXXXXXXX. The balance to be paid was listed as {$4900.00}. I thought that to be too high of a figure. 

On XX/XX/XXXX, I called XXXX to question the total and requested Staements from XX/XX/XXXX thru XX/XX/XXXX. During the phone call I stated that I would pay down that statement total of {$4900.00} to {$0.00} within 24 hours. I would review the past 3 months of charges once I received the requested months of account activity and contact XXXX  if I found a discrepancy. 

On XX/XX/XXXX, I had XXXX XXXX print a bank tellers check for {$4900.00} with XXXX - XXXX XXXX XXXX XXXXXXXX as the creditor. ( This WAS NOT a hand written personal check, it was a guaranteed printed BANK CHECK ). I sent the {$4900.00} payment PRIORITY MAIL OVERNITE to XXXX - XXXX XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX ( 7 days after the {$4900.00} Bank Check was received by XXXX  ), I tried to use my XXXX  - XXXX XXXX XXXX XXXXXXXX and was denied. 

After calling XXXX, and speaking with 3 reps and 2 supervisors for over an hour, I was told the following : I would not be able to use my XXXX  - XXXX XXXX XXXX XXXXXXXX until XX/XX/XXXX - as it must clear first & because I paid the balance in full and the amount of the payment was so high, it would take till the current billing statement period closed til my card could be reactivated. 

I'm angry! I paid the full balance using a bank issued check and it takes almost a month for a check to clear? 

Please look into this incredibly odd business practice and fix it for everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My dad and mom had an account credit card with Chase. He died in XX/XX/XXXX. My mom filed bankrupt in XX/XX/XXXX. Account # XXXX. Now the account is on my credit report showing as mine in XX/XX/XXXX as a charge off. Chase has already been guilty of this practice before of selling bad debt.My SSN somehow got tied to this account. Ive never had an account with these Chase people. Contacted Chase and given the run around. Sent them my dads death certificate and moms bankrupt papers with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: AL

Complaint narrative:
Equifax has a mixed report for my name. It includes credit accounts for myself AND my father. I called today and they would not fix over the phone. 

I am applying for a mortgage and cant get approved until this is fixed. There is no issues with the other major credit reports - only Equifax has a mixed report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lending Club Corp
State: TX

Complaint narrative:
XXXX XXXX has previously been informed that my company does not allow personal calls during work hours, XXXX XXXX continues to call my place of employment. This last time the agent hung up without identifying the company she was calling from. The agent then claimed that the work phone number was the only contact information she had for me, which is false. This harassment at my place of employment needs to stop. This call was received at approximately XXXX pm central time on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On Thursday XXXX XXXX XXXX until XXXX XXXX I Mr.XXXX.XXXX.XXXX  Contacted experian 25 times trying to have a fraud alert remove and I XXXX  .XXXX. XXXX  follow all the procedures by phone on line in the app and my request was still denied after I answer all the questions correctly I was informed my answer was wrong when in fact all were correct and when I requested a supervisor I was denied the treatment is very rude and the customer is ignored treated like a number instead of person all I wanted was to remove a fraud alert XXXX XXXX completed with no problems XXXX  completed with no problems Yet experian is treating me this way this uncalled for and no one deserves to be treated in this manner for no reason

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