vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-04 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: BB&T CORPORATION
State: AR

Complaint narrative:
I have an auto loan on my credit report that is not mine. I have contacted the company they feel the signature is similar to mine and dont want to remove it from my credit report. They have failed to see the signature on the contract is the same in all 4 boxes and is misspelled the same way in all 4 boxes. The document being used to assume its mine doesnt have my name misspelled on it. Hence I dont leave letters out of my name when signing my signature. I also was not living at the address they say I was living at the time and will attach documents to support my different address. I have sent requests to the credit reporting agencies along with my identity theft report and still they are refusing to remove it. Which at this Point is showing gross negligence on the company and credit reporting agencies. In turn leaving me options to monetary damages if I was to take action for the damages I have incurred as a result of inaccuracies.

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 2018-04-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC)
State: CA

Complaint narrative:
Last year in XX/XX/2017, someone called me from the XXXX XXXX County Office ( XXXX ) and informed me that I have a warrant for my arrest. She told me to call ( XXXX ). I spoke to a woman who called herself Investigator XXXX from XXXX XXXX XXXX. She told me this was the District Attorneys Office in XXXX and it was regarding their client XXXX XXXX XXXX. In order for them to stop proceedings to have me served with court papers, I need to make payment arrangements with them that day. She had called on my cell phone while I was at work. Under duress, I gave XXXX XXXX  my credit card information. I asked for a receipt, which I was told, that she was to email me. That never happened ; I looked at my XXXX  statement and {$420.00} and the following month {$320.00} was withdrawal from XXXX XXXX ( aka NATIONAL MANAGEMENT RECOVERY CORP ). I have never heard of this company until they came on my statement. My oral conversation was with XXXX XXXX XXXX, and never XXXX XXXX. I had written a complaint before about this company. They replied and claimed my allegation was false. After reading some of the complaints from XXXX XXXX XXXX ( XXXX ) regarding National Management Recovery Corp, some of the complaints are similar to incident I had went through with them. I have never given my credit card information to XXXX XXXX, or National Management. I spoke to one person from XXXX XXXX XXXX   named Investigator XXXX that has a XXXX prefix. Since XXXX XXXX office is in XXXX XXXX Florida, and XXXX XXXX XXXX number was based in XXXX, how did I call XXXX XXXX ( National Management Recovery Corp ) from a XXXX  prefix when they are based in Florida? How did they get credit card information, and I have never spoken to anyone from their office? XXXX XXXX   claims they never utilize tactics I had mentioned, yet they have falsified, misrepresented themselves ( XXXX XXXX XXXX ) threaten me with a warrant ( Investigator XXXX  w/ XXXX XXXX XXXX ) unauthorized withdrawal from my debit card, and claim to be another company. I filed complaints with the XXXX in Florida ( Case # XXXX ) with the Attorney Generals office in Florida, and The Florida Office of Financial ( Case # XXXX ). I hope something can be done. They are scam artists and need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I paid off this credit card in full and it still is showing in my credit report because it hasnt been removed in a timely manner. Now this is preventing from obtaining financing for a vehicle I would like to purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Cit Bank is reporting a mortgage I had with them as a foreclosure being started on XXXX. This was never a foreclosure nor did one start. SEE ATTACHED DOC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed an addition to credit report letter to Equifax to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX ( CCS ) at XXXX to inquire about a debt I owed. I spoke with XXXX who informed me of the debt and the balance of {$250.00}. I made a payment arrangement to process a {$50.00} payment on that day, followed by the remaining balance to pay on XX/XX/XXXX. XXXX confirmed this transaction and sent me a receipt for the {$50.00} payment. I have attached this receipt below. On Saturday XX/XX/XXXX I checked my bank account and saw that they in fact charged me the {$200.00} instead of the {$50.00}. I contacted CCS at XXXX at XXXX and spoke to XXXX . I informed him of the issue and he stated he would escalate to a supervisor to have it credited back in the amount of {$150.00}. He informed me it would take 12 business days to go back to the account. While I wasnt thrilled with this, it was an acceptable resolution. On XX/XX/XXXX at XXXX, I contacted CCS to see what the status was on the refund. XXXX placed me on a brief hold and then returned to tell me that they received approval to refund the {$150.00} and that refund check would be sent on or after XX/XX/XXXX. This is not acceptable. I now have bills I am unable to pay. She informed me that this was their policy. The policy being that the refunds take 30-45 days to send out. I again informed her this was not acceptable.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I mailed an addition to credit report letter to Equifax to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
My credit card ( XXXX ) had unauthorized transactions via XXXX XX/XX/2017. Two charges of {$370.00} from someone who had shipped something using my card number. XXXX immediately sent a new credit card and voided the charges. I received invoices from XXXX  for a remaining balance of {$110.00} and {$370.00} and called them to inform them of the fraud. They voided the charges as well so now there is a balance of {$0.00} on their end. I called Transworld Systems Inc. ( Collections ) telling them what had happened. They are saying that I owe two balances of {$120.00} and also {$420.00}. They told me they are waiting on XXXX to give them the information, but case has been closed since everything was resolved in XXXX and there is a {$0.00} balance. I am concerned about my credit score since they are trying to collect money from me that I do not owe. I filed a police report and also obtained case numbers from fedex today. XXXX said they can not reopen the case due to the date and there not being a balance. This sounds like something that should be resolved between XXXX and their collections agency, but if neither party are in contact with each other, I'm assuming my credit will take the hit if no actions are taken. I currently do not have a way to scan all of the documents into the attachments, but I am happy to provide whatever is needed via fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the West changed my " XXXX '' account to " XXXX '' in such a haphazard manor that I was unable to reconcile my account for 2 weeks. Instead of letting the " XXXX '' charges be recorded when I actually use the card, they transferred the most of my XXXX   charges to " XXXX '' before I ever started using that card. They did not just transfer one lump sum, they did a partial line by line transfer, then an undefined and unrecoognizable cumulative transfer. I don't think it was their intention to send me any further statments reflecting the activity on the " XXXX '' account, but it took me a lot of phone calls and a lot of waiting to finally get one - and it was very messy to work with. I was then able to reconcile this account, but then had to make another call and wait a long time to get them to transfer a {$200.00} credit that they had neglected to do. 
Their phone lines were excessively busy and it makes me think that I am one of very many unhappy customers. 
In summary, what should have been a very simple process for all concerned was turned into a nightmare because of a poor, clealy unhelpful, and maybe an illegal, accounting process. 
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 2018-04-04 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: CA

Complaint narrative:
I mailed an addition to credit report letter to Transunion to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/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 2018-04-04 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: CA

Complaint narrative:
It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XXXX and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts. 

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete. 

Among the particular items of focus is the reporting of the following : 1. ) XXXX CARD ref # XXXX late payment history incurred due to fraudulent activities on this account. 
2. ) XXXX XXXX XXXX ref # XXXX -- - this is not my account. I am not liable on this account. Delete this from my 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 non-monetary relief
Consumer complaint received 2018-04-04 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: CA

Complaint narrative:
It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XX/XX/XXXX18 and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts. 

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete. 

Among the particular items of focus is the reporting of the following : 1. ) XXXX CARD ref # XXXX late payment history incurred due to fraudulent activities on this account. 
2. ) XXXX XXXX XXXX ref # XXXX -- - this is not my account. I am not liable on this account. Delete this from my 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 2018-04-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
Creditor called me about a medical bill that i was NOT responsible for. I then contacted my insurance and was told they would take care of it. The medical bill was my insurance responsibility. I was unaware of the negative report on my credit till recently. The negative mark on my report was place after insurance failed to pay my medical bill. I wasn't aware of the bill as they had been sending it to the wrong address. I have contacted both parties and gave them all information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bowen & Associates Recovery, Inc
State: FL

Complaint narrative:
XXXX XXXX, through Bowen and associates in Texas, is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXXXXXX XXXX in Florida. This is a debt for which I have no responsibility. XXXX XXXX is trying to collect money for extra work he did that was never contracted. His contract even states extra work will only be executed upon written agreement and will then be an extra cost over and above the contract price. There is no written agreement for this extra work. My contract was paid in full upon the completion of XXXX XXXX job. XXXX XXXX is attempting to collect more than double what XXXX XXXX originally tried to collect without a contract. XXXX XXXX threatened to report this to the credit bureaus. He also told me he could file a lien against my property and that even the previous owners could be affected by this lien. This was a lie or perhaps ignorance because the lien, a mechanics lien, has to be filed within 90 days of completion of the job and he has to show breach of contract. There is no contract and it had been more than 90 days upon his first contact with me. He also failed to tell me verbally that I can dispute this debt and I never received a written validation letter for the debt. That was a violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
Received a note in the mail from Transworld Systems , Inc. They claimed that they sent me a letter in the mail about a toll charge that was not paid in XXXX. I never received the letter because they sent the violation letter to the wrong address. I offered to pay the toll charge and they insist in charging me XXXX over the XXXX for not responding on the letter that they mailed to the wrong address. They don't seem to want to accept their mistake. My account with them has been put under dispute. I would pay the toll with no problem but a XXXX violation for not receiving a letter or knowing that my XXXX didn't ready when crossed the toll bridge is unacceptable. When you can them to try to solve the issue they are rude and disrespectful on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Back in XX/XX/2018 i tried to resolve the issue with a XXXX   representative who Refused to give me a credit reversal to my store credit card at that time.his reason was Because the bank of mines returned the online transaction on the target card.being that There were no hand written check mailed to this company i felt that i deserve the right To Have my account credited of the monies they took or charge me at the time.XXXX i Did have a balance which was paid by me through the XXXX XXXX who denied the Transaction there was money in the account at that time.XXXX Representatives charge My credit card a total of XXXX which was paid on XXXX i Realized there was an error Made on my behalf of the wrong information issued and Like i did explain to the target Representative there was an error made.as a valued Customer and card holder i do Deserve the respect from the corporation and deserve The right to be refunded which i Wasn't granted that opportunity at that time. so Therefore i am asking that my account be Refunded due to the actions of these Prejudice issues at the time when being mistreated Differently from other customers or Cardholders clients dealing with the corporation i Deserve the righteous treatment Hopefully this can be resolved with out any further disputes.thank you sincerely.XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: YKS Acceptance, Inc.
State: CO

Complaint narrative:
My daughter XXXX XXXX purchased a car from XXXX XXXX XXXX in XXXX Colorado in XX/XX/XXXX. The car continually leaked water inside and collected on the floor above and underneath the rubber car mats each time it rained. 
We brought the car in several times for repair. They claimed to have replaced the windshield twice, yet it continued to leak. 
My daughter started to suffer from XXXX, XXXX and XXXX XXXX XXXX a few months after owning the car. 
She's been receiving XXXX XXXX ever since. We thought the car and her breathing were related, so we drove to XXXX for tests ; the car inspection showed XXXX XXXX, she was tested positive for XXXX as well at one of her medical appointments. 
We regularly went to to XXXX  for assistance with the car leak, they were rude and condescending to us. We brought them the test results for XXXX on the car and her medical bills. They were uninterested. A couple weeks later her car was repossessed while she was in a store, only 2 weeks after her last payment was made. 
They sold the car after that at an auction. A few months later, an article in our local paper explained the dealership had been under investigation and were court ordered to re-pay clients who purchased vehicles between XX/XX/XXXX and XX/XX/XXXX. We have never heard from them at all in regards to her account and the legal action of them repaying clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04 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: Midwest Acceptance Corp.
State: MO

Complaint narrative:
After several calls to XXXX XXXX XXXX XXXX XXXX XXXX and several voicemails left concerning confirmation of my car payments and remaining balance, on XX/XX/2018 I finally was able to speak with someone over the phone. XXXX XXXX, a very rude, and argumentative guy is who answered. I asked about my balance and he informs me of 5 months of payments here and there that were missed. I informed him that I have receipts for the payment, just not with me at the moment, ( as I was surprised they answered ). He did not understand why I was upset and told me he was still going to file a garnishment for my car, stating it is not their fault they did not receive the payment. 
What's so absurd to me is that the only way to make car note payments is by money order through the mail. This is not a safe method of payment, clearly, things can get lost in the mail. Most importantly I NEVER EVER have received not 1 confirmation of my payments since have bought the car. I would have NEVER agreed to the loan if I would have known the ONLY way to make a care payment was through the mail. 
Also following the rude call on XX/XX/2018, I received notification that XXXX XXXX XXXX has ran my credit/ SSN without my permission. This action was completely unauthorized. Which has dropped my credit score by 5pts. I plan to dispute this entire matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation