vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-27 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: Netspend Corporation
State: CA

Complaint narrative:
I have never applied for a loan/ credit with NetSpend . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires.

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 2018-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
This company continues to report failure to pay status ( over 120 days ) on my credit report in a malicious act to destroy my credit. I have copies of all cleared checks going back 12 months that I have to submit every month in disputes with this company. This company forces their debtors to use third party debt collector ( XXXX XXXX XXXX ) in their repayment process, at an upfront cost of {$500.00}, and automatic payments. These payments do not reflect against your debt balance. I refused to be tricked by these unfair collection tactics ( DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ), and sent my payment by check to the original company ( Army and Air Force Exchange Service ). On my checks I put my correct, ( Army and Air Force Exchange Service ) account number, but fees were still deducted and sent to XXXX XXXX XXXX. I have delivered copies of cease of unfair collection practices, and intent to file suit, if this action continued with this company. This will be my last step before obtaining legal counsel.

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 2018-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To be completely honest with you I don't know who they are and how much I owe them I just know that I just want them off of my credit as quickly as humanly possible

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
XX/XX/2016 I was in XXXX and was told that I was purchasing a vacation package that included a certain amount of vacation packages at a deeply discounted price, {$190.00} to {$290.00} per week. I never received any paperwork in the mail as I was supposed to. I tried numerous times to contact the company and could never reach anyone. I finally received a membership card to XXXX XXXX XXXX XXXX. I called them and they have no record of the vacations that I purchased. I then tried to dispute with Bank of America who charged me the {$3600.00} plus a {$100.00} foreign transaction fee. I got denied because they said I did not provide all the information that they asked of me, however, I sent them everything they asked for and eventually they found what I sent. They reopened the dispute and then I never heard anything. Now this month I see that the charge is out of dispute and due and I never got any reasons or response from Bank of America. I have received absolutely nothing for the {$3700.00} I was charged by XXXX XXXX and Bank of America has been no help at all.

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 2018-01-27 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Navy Federal Credit Union Card Card XXXX XXXX XXXX XXXX XX/XX/XXXX Notified Navy Federal of fraud charges on my account on XX/XX/XXXX, XX/XX/XXXX. and again on XX/XX/XXXX to no avail. 

The fraud charges are : XX/XX/XXXX XXXX {$420.00} XX/XX/XXXX XXXX bill {$29.00} XX/XX/XXXX XXXX  bill {$1.00} XX/XX/XXXX XXXX  bill {$39.00} XX/XX/XXXX XXXX {$28.00} XX/XX/XXXX XXXX bill {$29.00} XX/XX/XXXX XXXX bill {$39.00} XX/XX/XXXX XXXX bill {$29.00} -- -- -- -- -- -- -- -- Total on XX/XX/XXXX {$620.00} And likely more charges since then. 
I sent USPS mail every month and they simply ignore it. Asked them to cancel the card as fraud and send a new one to stop the fraud and it is my requests go on deaf ears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc.
State: TX

Complaint narrative:
The computer was returned back to the store and management refuse to credit the merchandise. The store manager decided to attach the file amount owed to make me pay for a computer that was returned. This created a bad relationship between myself and Conn 's Department store.I truly tried to resolve these debt 's with Conn 's management.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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 have never applied for a loan/ credit with XXXX . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires.

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 2018-01-27 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 have never applied for a loan/ credit with XXXX . This inquire happened during the same time as another one from XXXX XXXX of which I did not apply for either.I have contact the company via phone and email to request them to stop pulling my credit without consent. I was told they would look into it and they have stop responding to my request. I never applied nor desire to do business with this company and they are hurting my credit with there hard inquires.

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 2018-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have owned an XXXX XXXX XXXX card for one more year and I just received an offer from XXXX & Amex last year which I could refer my friends to apply for this credit card. After my friend has been approved, I will get 10k bonus for each successful referral. I have referred three friends in XX/XX/XXXX. But I only got 5k bonus for the first two friends and had nothing for my third successful referral. I have contacted AMEX custom service to fix this issue in XX/XX/XXXX like 6 or 7 times. Initially, they said I need to provide my friends ' e-mail and full name. Then they told me I need to wait until 8-12 weeks for the rest of the bonus arriving in my account. I think already that I could wait. But after 12 weeks, when I contacted them and they said that I need to provide last five digits of my friends ' credit number. After a few weeks, when I contacted them, they said they could not find give me the rest of bonus since they could not find the history. Each time I contacted them first, otherwise, they wouldn't tell me any results of this issue. The truth is that my first two friends have received their open account bonus and I just got 5k not 10k for each like promised in the e-mail. But the customs service just told me that they could not find anything in the system. Is this a fraud approach to cheat more customs to apply for their credit cards? I hope this problem could be solved fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL

Complaint narrative:
I do not know who the second round is but I just want to get this taken care of as quickly as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Credit & Collection Corporation
State: DE

Complaint narrative:
This Debt is in Valid since it was a result of Fraud # XXXX {$740.00} XXXX XXXX XXXX   acct # XXXX i dispute the validity of this debt as fraud as i did when creditor was notified of fraud years ago. Cease and desist all collections and remove delete my name from all collection files by Global Credit Collection Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
on XX/XX/XXXX I sent XXXX XXXX a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated, verified. I got an unsatisfactory response to my request on XX/XX/XXXX which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XX/XX/XXXX ), they may be liable for your willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX XXXX and 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 2018-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: SC

Complaint narrative:
Netspend credit card company obtained information on my underage kid and issued her a credit card in her name solely based on the fact she purchased something online ... they have her address and full name on the card and all we have to do is activate it. Im extremely bothered by how this company was so nonchalant about the future repercussions this could have caused. I called the company and they were very limited by the amount of information they gave me ... now Im worried about identity theft for her in the future! WE NEVER GAVE THEM THE RIGHT TO SEND THIS CREDIT CARD TO HER IN HER NAME! Please investigate their practices its NOT RIGHT and are dangerous to our youth! And to be clear I have not provided her name on any of this paperwork nor do I intend to in order to protect her from further issues ... I believe if you call them you will find out very fast they send out randomly issued credit cards regardless of age!

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 2018-01-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA
State: AZ

Complaint narrative:
Company ( PHEAA ) took over Federal Student loan from AES for default. I started to pay on the loan with first payment of {$3700.00} to catch up on late payments and afterwards I resumes paying a monthly payment of {$560.00} x 13 months. I was suppose to be offered a Rehabilitation program after making 9 consecutive monthly payments within 10 months period, but I never heard anything. 

The original loan amount from XXXX XXXX was around 33,000. In the process of using a consolation loan company and going thru financial hardship after XX/XX/2008 financial crisis, the amount was raised to over {$75000.00}. I attempted to resolve the difference in balance thru my lawyer, but I was never able to a resolution. No one from the collection companies we have dealt with were able to show original documents to prove the massive amount of interest charged. When I last attempted to fix my credit report, I was told by PHEAA that I am still in default, that I will always be, and no matter how monthly payments I make, the status of default will never be changed unless I pay the entire amount owed which is currently sitting at {$72000.00}. So far, for the past 18 months, I have paid {$11000.00}, which would equate to over {$8000.00} in interest and collection costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I was notified by wells fargo bank and also a law firm called XXXX XXXX XXXX about opting into a class action lawsuit against wells fargo bank for unauthorized accounts and also unauthorized charges made to those accounts. I currently have a checking, savings and also a brokerage account with wellsfargo bank. I have been charged several times in overdraft fees and had to have some rembersed because of bank error. I believe wells fargo bank has been using my personal information to open up accounts and also have made unauthorized charges to my account.

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 2018-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX, {$72.00}, XXXX XXXX XXXX XXXX company I called XXXX 'S XXXX XXXX a month ago and told a teller that my XXXX XXXX membership was expired XX/XX/XXXX and I didn't want it and cancel it and didn't send me membership charges and fees. However, the company continue to send me the bill with late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Mortgage company : Carrington Mortgage Service, llc Loan no : XXXX on XX/XX/XXXX requested a payoff statement. On XX/XX/XXXX paid the total amount to pay loan in full requested in the statement ( {$97000.00} ) via wire transfer ( documentation is available if needed. ) While waiting for the releasefof the lien, another monthly statement was received. immediately called CMS. they had no knowledge of the loan being paid off. Asked them to provide a fax number so I can send them all the document proving the payoff. Faxed 13 pages of documents and a personal written request for the release of the mortgage to all 3 fax numbers that they had provided us. 
on XX/XX/XXXX we received an escrow refund check for {$2200.00} From CMS, which usually means that the loan was cancelled, but still it was not release.

Meanwhile since the monthly payment was not made it became delinquent and late charge notices started to come in. They also reported the delinquency to the credit bureau and ruined my perfect credit score.

Called CMS, four more times. Each time they provided us ( myself and my authorized user ) with different fax, phone and mailing address to send them our documentations. They also escalated the " problems '' to their " managers '' and we were going to hear something from them by Monday XX/XX/XXXX. Nothing happened. 
Instead they invoked foreclosure based on " terms of " my " mortgage contract. '' I have done everything in my power to stop foreclosure and release the mortgage ; faxing documents, contacting CMS on numerous occasions, sending certified mails to all branches of CMS, including their California, Arizona and customer service offices, notifying HUD, by certified mail, of the problem ... but have not been able to cancel the loan. 
Since per Georgia 's law lenders are required to cancel a security deed within 60 days of full payment, how can I hold them reliable for failing to cancel the deed and is there anything that your bureau can help me with? 
I thank you in advance for a ) taking the time to read this complaint, and b ) for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have contacted Transunion several times with no success in getting a unauthorized inquiry removed from my credit file. This same inquiry with XXXX XXXX  has been listed on my other credit files, which I disputed and was successful in the removal of the inquiry. I do not have no account with XXXX XXXX at all.

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 2018-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I was injured at work and lost hours resulting in decreased income. I have fallen behind on my mortgage payment and am unable to contact the company. I have spent hours on hold and no one answers, or they answer and immediately disconnect the call. I call nearly every day. I am 4 payments behind and I had submitted one and a half payments to try and catch it up, but they returned that payment to me saying additional funds are needed.

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 2018-01-27 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: AR

Complaint narrative:
XX/XX/2016 & XX/XX/2016 there was at least 12 inquiries from a vehicle loan that I didnt authorize. I have followed up with Transunion and XXXX  and even placed an identify fraud alert on my account. I also stated to them that my drivers license were duplicated at my local dmv. I had a fraud placed on my account at that time as well.Im only asking to remove the inquiries from my credit report in the month of XX/XX/XXXX and XX/XX/2016. With those inquiries on my credit report it is making it difficult to obtain credit. There is probably a total of 12 inquiries in those months. Please investigate and properly remove from credit report.

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 2018-01-27 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: AZ

Complaint narrative:
on XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated and verified. I got an unsatisfactory response to my request on XX/XX/XXXX which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), they may be liable for their willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation