vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
Good Morning, They Give a false name, Always stating they have a subpoena to serve at my work or home and I need to show them two pieces of legal ID.

or they try to ask me my financial status and which forms of payment I need to use.

Not a company name but a person name. ( XXXX, XXXX, XXXX, XXXX ) I ask them to remove my number and to stop calling and they just hang up. 
I block the number calling, then the next call is same harassment just different number. 
I can List all the numbers if needed there are about 40 with-in a 30 day span. 
All area codes XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Two or Three times a day. It has got to the point where I shut off my work phones mail box for messages.

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 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NY

Complaint narrative:
XX/XX/2019at approx XXXX XX/XX/XXXX, I withdrew {$400.00} from the ATM in XXXX XXXX XXXX, and that the machine glitched because i had organically asked for {$600.00} but was denied ( was not on the receipt they sent me ) the ATM is owned by US bank, the money was never dispensed from the ATM machine, I filed a complaint with my bank XXXX, and they investigated, after the investigation US bank showed a receipt that the money was dispensed but it wasn't. anyway I asked them to check the video, after getting the run around of who has the video and speaking to to someone at Ballys, US bank, who said they dont have access to the cameras, HOW DO YOU NOT HAVE ACCESS TO THE CAMERAS?????? to check and see that the money didn't come out, anyway after all the phone calls and writing to a few places that was recommend by better get XXXX from XXXX, I have now been sent here. since nobody seems to be able to help me, which i find ridiculous, even when I spoke to someone at US bank he said he doesn't know if they can even access the cameras, UNREAL hopefully u can help me resolce this issue, I have since been back to XX/XX/XXXXXXXX and have withdrawn money from thier ATMs with no problems.

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 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Coastal Finance Company, Inc.
State: NC

Complaint narrative:
Coastal financial company is still on my credit report from over 10 years ago. They claim its not fixed because my birthday is incorrect on there end but I provided what I needed to they need to remove my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: MS

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX It's 12 hard inquiries on my credit report is not mines how do I remove them from my credit report. Email address XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: TX

Complaint narrative:
Equifax wrongfully reported XXXX XXXX XXXX XXXX to my report due to illegal evidence! Ive disputed the accounts numerous times and sent a 609 letter. The accounts were not removed and illegally reported. The employees at XXXX  XXXX targeted me intentionally reporting false information. Equifax removed the inaccuracies but due to the data breach they then had different reportings and deliberately changed my report. Im submitting documents Because of their negligence I can not obtain credit due to w challenged score due to inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX   XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Malcolm S. Gerald and Associates, Inc.
State: IL

Complaint narrative:
I have been making steady payments ( sometimes twice a month ) to XXXX XXXX XXXX XXXX XXXX XXXX since my hospitalization at the end of XX/XX/XXXX. My original debt for services rendered from XXXX was {$1300.00}. Keep in mind that I also had additional debt incurred from this same hospital visit which I have paid off in full. I currently owe {$1000.00}. Also, please keep in mind that I just received an additional bill from XXXX as late as XX/XX/XXXX for {$180.00} ( 7 months after my hospitalization ). XXXX sent my account over to the collection agency of Malcolm S. Gerald and Associates , Inc . The phone calls started immediately on XX/XX/XXXX. They said I owed {$1000.00}. They said I only paid {$6.00} on XX/XX/XXXX. I informed that they were wrong and that I made a payment of {$100.00}. At that time, they looked into my payment history and only then corrected themselves and said that because I had 3 bills from XXXX, XXXX decided to put the majority of my payment towards the other two bills. They wanted me to make another payment immediately. I told them that I just made a {$100.00} payment and I would make another payment on XX/XX/XXXX when I get paid. 

On XX/XX/XXXX from Malcolm S. Gerald contacted me at my job and demanded I make a payment. I informed them again that I had just made a {$100.00} payment on XX/XX/XXXX and that I had already informed them on XX/XX/XXXX that the next payment would be at the end of the month ( XX/XX/XXXX ). I also told them that they were violating laws by contacting me at my job and they should stop calling me at my job immediately. 

On XX/XX/XXXX I received a call on my cell phone from XXXX XXXX from Malcolm S. Gerald demanding payment again. I told Ms. XXXX that I have spoken with them twice already this month and that my payment would be made at the end of the month ( XX/XX/XXXX ). She stated that it is the end of the month. I stated that XX/XX/XXXX is the end of the month and this was the third time speaking with her agency this month. This agency is harassing me even though I have been making steady payments to XXXX to reduce the amount of my debt. Someone needs to provide them with a calendar and teach them what day is considered the last day of the month and not to contact me at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
My father, XXXX XXXX died XX/XX/2018. A man from First Financial Asset Management called about an unspecified debt. He would not clarify the debt he claimed was owed but he demanded my fathers death certificate and my POA. I am his executor and the Will has been probated. I am told after death a POA would be invalidated. I gave the man an address where he could send documentation of the purported debt but he continued to ask for proof of my fathers death.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Mr. Cooper, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX - Mortgage Account - XXXX Dear CFPB, Our Mortgage is with Mr. Cooper Inc. and we have never defaulted on any payments since the account was transferred to them. Recently, our credit took a big hit because Mr. Cooper falsely claimed that we have not paid our XXXX invoice and reported it to Credit Reporting Agencies nationwide. 

For the record this is a blatant lie. Payment for the XXXX mortgage invoice in question was made on XX/XX/XXXX for {$600.00} through XXXX  XXXX XXXX Account ( XXXX XXXX ) and on XX/XX/XXXX for {$1200.00} through XXXX XXXX Account ( XXXX XXXX ).  Please see attached documents for verification. As you can see subsequent invoice from Mr. Cooper never reflected payments made on XX/XX/XXXX and XXXX. This is fraudulent! Under normal circumstances, paying invoices before the due date should be beneficial and not detrimental. Instead, this grave discrepancy and egregious error caused by Mr. Cooper resulted in unwarranted blemishes on our credit scores and on our payment history. This is unfair and it needs to be rectified immediately. This was the same practices done by our previous mortgage company XXXX. We are fed up with fraudulent practices by these rouge companies. 

Based on the above information and the attached supporting documents you can clearly see that our XXXX invoice was paid and it was even paid ahead of the due date. We pay most of our bills ahead of the due date and not once have we had any problems with other companies. Rather we get credit for early payment. This is the only company that punishes you for paying your bill ahead of the due date. Giving this information our XXXX invoice was fully paid on time and therefore we do not owe any late fees as well. 

We hope that filing an official complaint with your establishment will help bring some kind of resolution to these vexing fraudulent practices by Mr. Cooper and the harm they have caused to unsuspecting consumers like us thereby tarnishing our credit. I believe they should be forced to retract the negative report sent to the credit reporting agencies nationwide with an official apology letter. 

I wait to hear from you shortly. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: MS

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: IL

Complaint narrative:
my identity was compromised. i disputed matters several times with the cb and they only reply verified or accurate. i advised them about my situation, i have proof of letters sent out with items that should be removed. they refused to obey by the law with providing me with validation that obligates me to the items as mines.. i provided my police report etc..

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 2019-07-30 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: MS

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report and so these are suspicious to me : XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The bank authorized a transaction for a company ( XXXX 's ) and then never showed it as taken out of my balance. This caused a chain reaction that caused over {$100.00} in overdraft fees or purchases totaling less than that through XXXX. I have never had a problem with this in the past, and always cover my balances. I never received a low balance alert, overdraft alert or any other of the several alerts I'm signed up to receive so I can correct the problem. Chase is stealing money from customers by the way they are posting transactions and that is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I spoke to Capitol One on XX/XX/2019 to make arrangements to close my card and pay off the balance. I was told at the time that any transactions from that point, XX/XX/2019, would be declined. At that time, in good faith, I set up an monthly autowithdrawal from my bank account to pay off this card in approximately 1 year. In checking my statement today, I see 5 charges of {$55.00} each from a school music instrument rental company called XXXX XXXX XXXX ).  This company must have had my credit card number from a previous transaction and withdrew these charges without my knowledge or consent from this card that I thought was closed. The Capitol One representitive I talked to today told me my account was not closed on XX/XX/XXXX although I am 100 % positive that I was told it would be. The Capitol One representitive I spoke to today was completely unhelpful, saying there was nothing she could do and would not allow me to dispute those charges. I am desperate to close out this high interest card and am irrate that charges were continually added to it when I was told it was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The items listed below do not belong to me and must be immediately removed from my credit report. 

1 ) New York XXXX XXXX. of XXXX XXXX Opened XX/XX/XXXX with {$0.00} Balance 2 ) XXXX XXXX XXXX Opened : XX/XX/XXXX with {$11000.00} Balance These accounts are reporting in error. I have filed a complaint with local authorities and the FTC. If they are not removed, I will file a civil suit against the credit bureaus for falsely reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: MS

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. These are suspicious to me and needs to be deleted asap. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: IL

Complaint narrative:
Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX  however, Equifax has not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ClearOne Advantage, LLC
State: GA

Complaint narrative:
In the date XX/XX/2019 I put some information in the credit CLEARONE like name, telephone number and fisical address to get a estimate to pay my credit debit but they use those information whitout my social security number and my permission to get a hard inquiry from my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
My XXXX  grant was wrongly converted to a loan within months of graduation from a XXXX prep program. As a result I have finally received notice that I am eligible for reconsideration. I contacted FedLoan servicing immediately on XX/XX/2019. Same day I received the notice. Fedloan Servicing took almost three months to simply certify that I was eligible for reconsideration. Gave me completely inaccurate timelines each step of the way. They finally certified that I was eligible, certified that I had fulfilled my service obligation, and that they full {$4000.00} balance of my grant was due back to me plus interest paid since it was converted. It is now nearly XXXX and almost seven months later Fedloan servicing has not returned my money or followed through on a timeline to complete the process. Meanwhile they have consistently indicated that they do not have accurate documentation of my loans, calling into question the legitimacy of all other documentation. They have told me that my loan was being " rebuilt '' ... for that last seven months ... because it was processed by another servicer. At no point did they tell me who that was. Because my loans have always been serviced by Fedloan Servicing. At one point someone in their public relations department told me that my loan was serviced by XXXX. I have no knowledge of this ever happening, and XXXX does not either. At this point I need to secure my {$4000.00} plus interest in a timely manner. After nearly 40 calls to their customer support lines this is still unresolved and there is no clear timeline from them. I would like to consider legal action for the balance due back to me, as well as the time spent attempting to obtain it, plus interest. I would also like to audit all other documentation from them to verify whether it is accurate and whether they owe me back any additional money. My full student loan balances are paid off, so this is money due directly back to me. Your consultation is greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-30 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: IL

Complaint narrative:
my identity was compromised. i disputed matters several times with the cb and they only reply verified or accurate. i advised them about my situation, i have proof of letters sent out with items that should be removed. they refused to obey by the law with providing me with validation that obligates me to the items as mines.. i provided my police report etc..

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 2019-07-30 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: IL

Complaint narrative:
my identity was compromised. i disputed matters several times with the cb and they only reply verified or accurate. i advised them about my situation, i have proof of letters sent out with items that should be removed. they refused to obey by the law with providing me with validation that obligates me to the items as mines.. i provided my police report etc..

Company response to consumer: Closed with non-monetary relief