vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 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: VA

Complaint narrative:
This is my 3rd dispute with  XXXX   XXXX  regarding the inaccurate reporting of 30 days late for  XXXX   2016 . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.

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 2017-05-08 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: VA

Complaint narrative:
This is my  3rd disp ute with   XXXX   XXXX   regarding the inaccurate reporting of 30 days late for   XXXX   XXXX    . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is my  3rd  dispute with  XXXX   XXXX  regarding the inaccurate reporting of 30 days late for  XXXX   2016 . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.

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 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Improper reporting to credit companies without prior consent under FDCPA laws.

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 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Improper reporting to credit companies without prior consent under FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Improper reporting to credit companies without prior consent under FDCPA laws.

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 2017-05-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
The company  General Revenue c alled me and asked to speak to me. I told them I was the person they were looking for. The representative immediately began asking me questions ( my home address, my date of birth, my social security number ). I asked what debbt she was trying to collect and she refused to answer until I gave her the information. I refused and she became very hostile. I hung up. I received a letter in the mail from the same company. I called to set up a payment arrangement. I told the representative I was still in college ( this is a part of a federal student loan debt ) and was not employed. I told her I could make small payments. She began to ask for my bank account details, social security number. She also wanted my husband 's employer information and his social security number. I refused and said could I just give her my payment amount and use my credit card. She got hostile again. I hung up and called the number back only to receive a fast busy signal. I do not think this is a vaild company. I see a lot of complaints online from other consumers. I will work to pay this debt off but I am not giving out all of my personal information to a company that is a potential scam and also abusive in their language.     Creditor : University  XXXX   XXXX   File  number :  XXXX  Amount owed :  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 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Improper use of identity file without consent in violation of FDCPA.

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 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Improper use of identity file without consent in violation of FDCPA.

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 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Improper use of identity file without consent in violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Improper use of identity file without consent in violation of FDCPA.

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 2017-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld S ystems/TSI claims on my credit report that they are collecting a debt of {$400.00} on behalf of  XXXX   XXXX  for a recently charged off account. I have n't had an account with  XXXX   XXXX  since  XXXX  of  XXXX , and I had received no notice of a debt from Transworld, so I called the original creditor on  XXXX   XXXX ,  XXXX  to verify that no one had recently opened an account using my information. They told me the closed account date they have for me is  XXXX   XXXX ,  XXXX  and the charge off date was  XXXX ,  XXXX ,  XXXX , and they have not had an account for me since. They sent me the proof of dates the accounts were opened and closed. I contacted  Transunion a s again, I have received no contact with  Transworld,  not by phone, not by mail. I told them this creditor has illegally reaged this account, and that I have received no communication or validation of this supposed debt, yet as of today they consider the matter settled and the account remains as a negative collection on my credit report with an origination date in  XXXX   XXXX . My issues are that I have received zero communicatio n, zero  proof of debt, and I have evidence from the original creditor that they have illegally reaged this debt that was originally reported to them in  XXXX  of  XXXX . They are lying on my credit report and saying that the original creditor contacted them in  XXXX  of  XXXX , which the original creditor says is a flat out lie and they suggested I contact your agency. I want to sue them for their illegal practices that are damaging my credit and costing me money in the forms of higher interest rates and outright denials for the extention of credit. They are breaking the law and need to be punished accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I mailed out check to pay for my cellphone bill like i do every month, and i notice a large check withdrawal. Upon research at the branch i noticed the check i originally made payable to  XXXX  for {$75.00} was altered completely and negotiated. I did not authorize this alteration and my phone bill was not paid.   Altered Check I ( Maker ) did not alter the check or grant permission to alter this check, but the  patee  was change to ( fill in here ) :  XXXX   XXXX  from  XXXX   and/or  the amount was changed to ( fill in here ) : {$470.00} from {$75.00} Original Check Number :  XXXX  Amount : {$75.00} Payable to  XXXX  Complaint  XXXX / XXXX /   2016 in  the branch  JP Morgan Chase  Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
Choice Recovery   XXXX  , viola ted chapter (  11  ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law  1  11-203, title X, 124 Stat. 2092 ( 2010 ) Choice Recovery   XXXX , willfully violate d Chapter ( 11 ) The failure to disclose in the initial written   communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector.      Choice Recovery   XXXX , willfully violated Chapter ( 11 ) bypassing this federal act by reporting the alleged debt from  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  to the Credit Reporting Agencies They are civil for damages for their violatio n 813.  Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- (  1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A  ) in the case of any action by an individual, such additional damages as the cou rt may al low, but not exceeding {$1000.00} ; I was advised by the credit bureau that they placed the account for collection and in turn I sent them the cease desist letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TrueAccord Corp.
State: TN

Complaint narrative:
A representative from  True Accord  -   XXXX   XXXX   - continues to email me in regards to a debt. Her emails have become increasingly inappropriate. I have not responded to these emails as I have no written notification of a debt in my name with her company. She uses very intemperate and inappropriate language to address me and this alleged debt. I have a copy of a recent email from  XXXX  and have included a transcript with this report.      XXXX  's latest email subject tell me to : ( My name  ) it ' s time to stop with the games  Body : W hen I grew up I put away childish things.  Enough. P ay what you owe.     I have attached a screenshot of this email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MO

Complaint narrative:
pnc charged me {$100.00} non-sufficient fund fee. during the first overdraft, pnc never informed me that i need to keep a high balance and the merchant will re-attempt the charge. if they told me about that, i would certainly keep the balance to prevent overdraft. when i called pnc, representative was not able to solve the problem and even cut off and trying to hung up the call. i called again,  representative said someone will get back to me within 24-48 h ours, but no one has ever contacted me after that. i am request a refund of {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Every 3 months I get this same offfer from my personal bank Regions Bank, offering : *Earn 2 Regions Relationship Rewards points for every {$1.00} spent on qualifying purchases2 in the first 90 days after the account is opened. After that, earn 1 point for every {$1.00} spent on qualifying purchases.
*0 % Introductory APR for the first 12 billing cycles on all purchases posted in the same period and all balance transfers posted in the first 60 days after account opening. *No annual fee *No foreign transaction fees Promo code XXXX When I go to apply w/prmo code XXXX and enter all my information, then I get the error that says my promo offer is Invaild, and I could continue as a normal applicant. Every time ... .This sis a scam I they would do anything about it.

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 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On m y TranUnion c redit file  XXXX  my  XXXX   XXXX   XXXX   XXXX   XXXX    a ccount with an approximate balance of {$68000.00} indicates a derogatory " Chapter  XXXX  Dismissed '' under remarks. However, I have no  Chapter   XXXX  bankruptcy, nor is it listed in the TransUnion  Public Records on  my credit file. I have been denied credit twice in the last 30 days for this erro r. One is fo r a new mortgage, and the other was for a credit card.     I called the TransUnion dispute phone number, and disputed the information error on  XXXX   XXXX ,   XXXX  . I received no email or regular email notification that the investigation was complete or that it had even been conducted. When I called the TransUnion dispute line this morning to check on the status of the dispute, I was told there was no open dispute, and that I would need to submit paperwork showing that I have no bankruptcy. This is impossible since I ca n't submit paperwork to show that something that does n't exist does not exist.     I have a perfect payment record with my  XXXX     XXXX   and need the incorrect information removed asap as it is causing me harm in delaying me purchasing a new home.

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 2017-05-08 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I reviewed my   XXXX   Credit Report on  XXXX / XXXX /  XXXX   and noticed a HARD INQUIRY from Comenity XXXX . I did not request or authorize anything from this company. I sent a certified letter on  XXXX / XXXX /  XXXX   (  XXXX   XXXX  to have this removed and I have never received a response and it is still on my credit report. I want this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 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: SC

Complaint narrative:
Today I tried to open an account wi th Wells Fargo. I   already have a previous joint account with them. It sent a form back from   XXXX   XXXX   XXXX   not allowing the account to be open. My home was burglarized back  in 2012    and I have been experiencing identity theft since then. The accounts open in my name with wells fargo and other locations they are using the wrong social security number, They are changing the last digit from a  XXXX  to a  XXXX  and its still allowing them to open things in my name.

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 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The lender initiated foreclosure within the early intervention period in violation of Regulation  X, 12 C.F.R. 1024.41 ( f ). The lender also failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - The lender was also sent a QWR ( Qualified Written request ) for a comple te loan history on  XXXX / XXXX / 2017

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 2017-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have NEVER been past 30 days late on  my Kohls  credit card and all  XXXX  agencies are reporting a late payment, this is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I have contacted Certegy Check Services numerous times in regards to fraudulent checks that have been written in my name. I have done several police reports and spoken to numerous customer service reps in regards to flagging my name so that these criminals are no longer able to write fraudulent checks in my name. I was told that they are not able to flag my name but, could not give me a concrete answer as to why. At this point over  XXXX  checks have been written in my name  (  which have all bounced ) and the police came to my home looking to arrest me. If CERTEGY CHECK SERVICES would just flag my name the checks will decline and these criminals would be stopped. They have not helped me at all but, have reported me to the credit bureaus numerous times which has caused my score to go severely down. This is a nightmare and Certegy has done NOTHING to fix this problem. Please help

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 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I reached out to the  Leander to try to ge t a modification and was never able to get  one

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am a victim of identity theft. An identity thief used my personal information without my permission to keep the account open make purchases with  XXXX . This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report.   Please see proof that  XXXX   Revolving  account was paid in full in   XX/XX/XXXX . Th is account was paid to a   XXXX   balance and I have not use. Now this company call  Midland Funding LLC, h ad taking action to collect payment from me i n Small Claims Count. The hav e file a case and this is not my debt. Midland Funding LLC, states that I own  XXXX ,  XXXX  and file a cas e on  XX/XX/XXXX  i n  XXXX   XXXX   XXXX . The amount is for changes in  XX/XX/XXXX  and I have not knowledge of any of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have NEVER been past 30 days late on my   XXXX   credit card and all  XXXX  agencies are reporting a late payment, this is wrong

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 2017-05-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have NEVER been past 30 days late on my  XXXX  credit card and all  XXXX  agencies are reporting a late payment, this is wrong

Company response to consumer: Closed with explanation