vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NC

Complaint narrative:
XXXX has again continued to refuse to remove MISSING public consumer credit information in violation of the new rules imposed as of XX/XX/XXXX : " The big three credit bureaus XXXX, XXXX and XXXX will no longer report a tax lien or civil judgment on a consumer 's credit report unless it includes the person 's name, address and either Social Security number or date of birth. Existing liens and  data missing this information will be expunged. '' I have provided irrefutable proof that the information found on my consumer credit report is inaccurate because it is in fact missing the required data. XXXX also refuses to provide me a copy of the original legal document supposedly issued to me containing my name, SOCIAL SECURITY NUMBER, birth date and/or address. Therefore, these state tax liens must be removed as they are invalid and inaccurate. 
I am not the only person with the name listed on these documents. XXXX is using a third party source ( LEXISNEXIS ) to verify this information. 
Here is the response received from them ; " XXXX has reviewed the complaint and its records. Please be advised the creditor verified the Tax Lien case numbers XXXX and XXXX correct as reported. '' This is a complete lie. The state of North Carolina and the XXXX county Clerk of Court does not provide tax information to credit bureaus ( I sent them a letter from the NC Dept. of Revenue stating such ). The 3rd party source 'verified ' this information inaccurately and illegally yet XXXX is regurgitating the information as a fact in direct, blatant violation of the newly imposed rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I live in an area affected by hurricane XXXX. I had an open claim for XXXX double billing my account when I had canceled XXXX and switched insurance companies. Bank of America wanted me to complete and affidavit but I was unable to return it due to evacuating XXXX Florida. XXXX they reversed my credit for {$530.00} which overdrew my account. I then called BOA and they sent me the affidavit which I immediately faxed it same day ... I have called BOA 6 times since then in last XXXX weeks. My account is still negative and I do not owe allstate any money. I was out of work and unable to access the little bit of money I had in that account. I even offered to call XXXX on XXXX way and they would n't.

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 2017-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XXXX XXXX, I pulled a copy of my credit report after the XXXX data breach and noticed inquiries on my account that I did not authorize. I called XXXX, Transunion, and XXXX and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.

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 2017-10-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I pulled a copy of my credit report after the XXXX data breach and noticed inquiries on my account that I did not authorize. I called XXXX, XXXX, and Experian and explained this to them. They insisted that I call each company listed and find out what happened. I called and they all have no record of me in their system with authorization of trying to open an account. I then asked them to call the cresit bureau and have them removed. They stated that because they did n't have me in their system, it would be better if I called and explained to the bureau 's what happened. I called the bureau 's AGAIN and told them that I was unable to get documentation from the companies listed and to please dispute it on my behalf. I get a notice in the mail that basically nothing was done and to call the companies again. I have tried to deal with them 3 times and its now coming to the point I need to file a complaint with the BBB and the Attorney General. I have done everything both sides has asked me to do and it still has n't helped.

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 2017-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Financial Services
State: IL

Complaint narrative:
I have had a situation where my car was already repossed by consumer financial services. i paid the balance within the 21 days i have to regain ownership of vehicle. within a week the manager XXXX had already sold my vehicle and taken the belongings in vehicle. Her responds was im not petty and the vehicle was never sold anywhere to my knowledge she resold my vehicle to XXXX XXXX.it took her a day to return the vehicle. i have recently felt behind one payment and explain to her i was gon na make both payments together again her responds was you can walk to work your a XXXX  your life is a XXXX.she has her employer XXXX call me atleast 20 times a day. she has request to garnish my paycheck already and text messages me from her personal cellphone pretending to be the legal services of the company. she says if your a week behing i can and will take you car. she haa even called other people regarding my account and asking for me.ive looked online and noticed she has pleny complains and has threaten others with deporting them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I do n't remember specific dates, but I 've requested twice to have them change one of my security questions : " Where were you when you first heard about XX/XX/XXXX? '' Of course I remember where I was, but I ca n't remember exactly what I put and as the question requires an exact answer, I ca n't get it. This is a frustration for me and there have been times that I was blocked from logging in. When I have previously requested a new question, I never heard anything from Ditech.
This is also just another example of Ditech 's complete unwillingness to treat its customers like people. I did not sign a mortgage with them, it was bought by them. I would NEVER willingly sign to have Ditech as a mortgagor. In fact, they are so horrible that if I ever take out another mortgage, I will have a clause written in that forbids Ditech or any subsidiary or such from ever buying my loan. This mortgage was bought by Greentree which later changed its name to Ditech, probably because Greentree had accumulated thousands of negative reviews. Ditech is on the same path.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: KY

Complaint narrative:
fay servicing said they paid my property taxes ( they did n't ) and set up an escrow account and deferred monies into the account for the taxes. which I did not approve. the then stopped applying my payments to the house until the account was brought current but they took the monies from my payments and stored them in separately causing my account to be behind. I paid the taxes long before this occured and after checking with the county clerk they informed me that I was the only person to make a payment and there was no record of fay servicing trying to pay anything I spoke with XXXX who said he needed proof that I paid the taxes but never gave me his email address, I had to get that from an associate. I emailed him the proof but he will not return my calls or emails

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
While checking my credit report in XXXX XXXX I saw a collection from Healthcare Collections. I disputed this with the credit agency as well as requested validation on this debt. The collection agency sent me a itemized list from XXXX XXXX XXXX for {$250.00}. I disputed that this bill was not mine and that I 've never been to XXXX XXXX XXXX. They sent me a letter that said that their client was XXXX XXXX XXXX XXXX yet the itemized bill was from XXXX XXXX XXXX. They never sent me validation and said their client XXXX XXXX XXXX has verified the debt. This is unfair and deceitful. I am attaching the itemized bill that clearly says XXXX XXXX and the letter from Healthcare collections stating XXXX XXXX XXXX XXXX. I am in the process of dealing with an attorney on this issue but want to file a compliant.

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 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stuart-Lippman and Associates, Inc
State: LA

Complaint narrative:
Stuart-Lippman and Associates first attempted to contact me on XXXX XXXX, XXXX by phone. They left me a voicemail stating they were a claims collector and that they needed me to call the regarding a claim. 

This call was followed up by an undated letter that was received on XXXX XXXX, XXXX stating that I had XXXX  days to respond and dispute the validity of the debt. I responded by certified letter mailed on XXXX XXXX, XXXX disputing the debt and requesting verification. This letter was signed for as received by XXXX XXXX on XXXX XXXX, XXXX. 

Stuart-Lippman and Associates sent me another letter on XXXX XXXX, XXXX stating that they had previously contacted me, but did not verify the debt in their letter. 

I have since received XXXX additional calls, the first on XXXX XXXX, XXXX and the second on XXXX XXXX, XXXX. Today, I received a letter dated XXXX XXXX, XXXX stating that Stuart-Lippman and Associates wanted to allow me to " satisfy this claim on a voluntary basis '' and that if I did not pay within XXXX  days of receipt that it would " result in increased collection efforts '' and that I should " govern '' my " actions wisely. '' I perceive this to be a threat to sue me or damage my credit illegally, especially because I followed the law and disputed the alleged debt within the legally prescribed number of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Why would I have to pay almost XXXX to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have sent notices to XXXX XXXX XXXX XXXX whose address is XXXX. XXXX, XXXX XXXX XXXX, XXXX, CA XXXX and have asked them to verify and validate this supposed debt. So far, all they have sent me are copies of billing statements. I have also asked for and have a right to documentation with my signature that shows I owe this debt and an agreement that grants them the authority to collect on this alleged debt. I also would like a copy of their state license, including the license number which gives them the legal authority to collect in the state of Ohio. Again, I have received nothing from them other than some billing statements. I have no signed contract with this company and they have provided me nothing whatsoever with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: IL

Complaint narrative:
Dear Sirs, XXXX on XXXX XXXX XXXX XXXX IL made charged {$XXXX} to my account by mistake and gave it to Payliance for collection.After I spoke to Miss XXXX of XXXX XXXX she cancelled it on XXXX/XXXX/XXXX. Payliance XXXX told me that they sent cancellation notices to three credit bureaus on XXXX/XXXX/XXXX. I got a email alert from XXXX XXXX credit secure on XXXX/XXXX/XXXX that my credit score went from XXXX to XXXX because Payliance did not cancelled the item from my credit which they reported to three credit bureaus .I called again Payliance / XXXX on XXXX/XXXX/XXXX and they told me the same thing again that they sent cancellation to all three credit bureaus. 
Payliance on XXXX/XXXX/XXXX updated my credit report saying that they are in process of collecting debt from me, which is totally wrong. Because I dont owe any money to XXXX or anyone else.I have the email from XXXX XXXX of XXXX that I dont owe anything. I also have two voice messages of XXXX XXXX that she called Payliance XXXX and told them to cancel it on XXXX and XXXX.XXXX is not removing the item from my credit report. I am never late on my payments ever and I work really hard to keep good credit. Sirs I request you to help fight Payliance to remove the wrong charge on my credit report.Thanks a lot. 
Best regards

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Why would I have to pay almost {$100.00} to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?

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 2017-10-05 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: CA

Complaint narrative:
Why would I have to pay almost XXXX} to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?

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 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XXXX XXXX I received a general credit card XXXX not store credit card ) from Nordstrom 's I did neither apply for nor want.

Upon contacting Nordstrom 's and talking to " XXXX '' on XXXX/XXXX/XXXX, I was told that since I " did not opt out by XXXX XXXX, XXXX '' from getting this card in a letter that they claim was mailed to me, this entitled Nordstrom 's to " upgrade me to a XXXX card ''. 

Not only was I traveling on business from XXXX through mid XXXX and had no chance to review my mail until some time after my return, I do not recall getting such a letter. Regardless of whether I did or not, a company should not be entitled to issue a credit cards without my knowing or approval. As the result of this object able practice, an inquiry showed up on my credit report on XXXX/XXXX/XXXX from TD Bank USA/ Nordstrom .

I have built an excellent credit history/ score ( above 800 before this incident ) over decades and carefully monitor my credit. Having this inquiry on my record lowered my credit score by 19 points, not to mention that, had the credit card been lost or stolen, I would never have know because I did not expect it. 

I immediately requested this unauthorized credit card to be closed - along with my Nordstrom 's store card which I would have retained otherwise. This may have further reduced my credit score.

I strongly object to Nordstrom 's deceptive practice without regard for the consumer 's credit record or risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Immediate Credit Recovery
State: TX

Complaint narrative:
I never signed a contract or agreement with the Immediate Credit Recovery XXXX XXXX. Immediate Credit Recovery XXXX XXXX can not collect any amount of money that is not permitted by law or by agreement. 
" The Fair Debt Collection Practices Act states that the debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 
Whereas no relationship exists between Immediate Credit Recovery XXXX XXXX and me, and whereas I never signed a contract or agreement with Immediate Credit Recovery XXXX XXXX, I cite Lack of Privity. 
Just because an assignment clause exists in a credit agreement does not mean that it is sufficient to create a new obligation with the Immediate Credit Recovery XXXX XXXX. The assignment clause merely takes away the rights of XXXX XXXX College to collect if they decide to assign it to another company, in this case Immediate Credit Recovery XXXX XXXX. Immediate Credit Recovery XXXX XXXX would then have to offer me a new contract, I would have to agree to its terms, and I would finally have to sign this new contract. If I have not signed a contract with Immediate Credit Recovery XXXX XXXX, I owe them nothing. 
I know my rights, and I am fully prepared to exercise them. You have already admitted in writing that you do not have a contract with me. Therefore, you have no proof that you have ever provided any services to me. There was no meeting of the minds, a necessary element of a valid contract, no contract exists. Since there was no meeting of the minds between me and Immediate Credit Recovery XXXX XXXX, which is a necessary element required to create a legal and binding contract between the two of us, your claim is repudiated. 
So once again, I request the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.
2. Agreement that bears my signature of the alleged debtor wherein he/she agreed to pay the creditor. 
3. Any insurance claims that have been made by any creditor regarding this account. 
4. Verification that this debt was assigned or sold to collector.
5. Commissions for debt collector of collection efforts that is successful. 
6. Proof that Immediate Credit Recovery Incorporated is bonded/licensed to collect in Texas. 

Immediate Credit Recovery INC continues to ignore my requests for information. I am making careful note of our communications. Please provide the requested information. If you can not provide the requested information and you follow suit with bothering my credit report. I will file suit against your company!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied for and received the Citi XXXX XXXX XXXX XXXX in XXXX XXXX ( account ending XXXX ). I paid the XXXX annual fee on XXXX XXXX XXXX and was using the card, and then Citi unilaterally closed the account on XXXX XXXX XXXX. I called Citi for a refund of the fee, since I had had the card for barely XXXX months and *they* decided to close the account not me and I was summarily rejected not XXXX but XXXX. So they charged me a huge fee but made it impossible to use the card.

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