vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
This account was unauthorized. I am victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I received a letter from XXXX XXXX XXXX dated XX/XX/2018. The letter states I applied for a credit card with them for a XXXX XXXX XXXX. I did not apply for a credit card. This is a fraudulent attempt to obtain credit in my name. My credit report is suppose to be frozen and not allow this but it did. My credit report shows a high number of inquiries. I did not apply for these. I have written the companies that have attempted to fraudulently use my name to obtain credit. I have written the credit reporting agencies. It continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
After I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, The original servicer, USAA bank had already started transferring the servicing of the loan to XXXX  on XX/XX/XXXX. Once again trying to collect on a debt that they cancelled in XX/XX/XXXX. 

I am asking once again that their lien be removed because USAA has already collected over {$80000.00} from me in payments. I did not accelerate lien in any way. The servicer USAA canceled the debt before acting on the lien in XX/XX/XXXX generating revenue for me. They did not however release the lien. Now they are trying to seize my home with the lien by way of foreclosure, and simultaneously trying to collect the debt by transferring the loan to another servicer XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I had 3 private student loans with American Education Services. I recently paid one off and refinanced the other two. The loans are known to AES from their disbursement date : XX/XX/XXXX,  XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I paid off the XX/XX/XXXX loan. On XX/XX/XXXX, I received a letter confirming the payoff of the XX/XX/XXXX loan. 

On XX/XX/XXXX, the balance of all of my AES private loans was approximately : XX/XX/XXXX :  {$0.00} ( paid in full ) XX/XX/XXXX : {$9300.00} XX/XX/XXXX : {$8600.00} On XX/XX/XXXX, I refinanced the XX/XX/XXXX and XX/XX/XXXX loans. The total payoff was approximately {$18000.00}. The new bank forwarded to AES a payoff amount of {$18000.00} delivered to AES on XX/XX/XXXX. 

AES misapplied all of my money. I very clearly took the steps necessary to fully pay off the XX/XX/XXXX loan through the AES website. I had the new bank follow the payoff instructions on the AES website to refinance the other two. As of the date of this complaint, AES did not fully close my XX/XX/XXXX loan and charged me {$56.00} in interest since the XX/XX/XXXX payoff date and my most recent inquiry about the loan on XX/XX/XXXX.

AES also misapplied the {$18000.00} intended to close out the remaining two loans by applying approximately {$13000.00} to the XX/XX/XXXX loan that only had a balance of {$9300.00}. The XX/XX/XXXX loan now shows AES owes me a credit of {$4200.00}. 

Additionally, AES misapplied the remaining amount from the {$18000.00} to the XX/XX/XXXX loan, causing the balance of the XX/XX/XXXX loan to show I owe AES {$4000.00}. 

I called AES multiple times to inquire how I could owe {$4000.00} on the XX/XX/XXXX loan while being owed a credit of {$4200.00} on the XX/XX/XXXX loan. AES is unresponsive, claiming I need to wait a few days for their " system '' to be updated. No such update has occurred. 

I also am unsure how I owe interest on a loan that was paid off two months ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 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: TX

Complaint narrative:
My last payment for this automobile was made XX/XX/2015. The car broke down on XX/XX/XXXX. I notified the car lot on XX/XX/XXXX. The car shows as a repossession on my Transunion credit report. At the time I owed under 4k. The car company never contacted me to say they retrieved the car, offered me an amount to get the car once they repossessed it, the car lot did not let me know that the car was sold to someone else and did not take the amount they sold the car for from the balance I owed. My credit report show I owe {$7500.00}. This amount is incorrect. The car is currently for sale by the same owner just at a different lot.

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This account was unauthorized. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I purchased jewelry at XXXX XXXX XXXX in XXXX XXXX, MN. with the understanding that I could pay it off in six months with no interest. Much to my surprise, I received a Wells Fargo Credit Card with the first monthly bill. I did not ask for and did not want a credit card. I have never used the card and have paid the monthly bills by check. 

I am submitting this information because I received an e-mail which I believe may have come from the CFPB asking if I have ever received a Wells Fargo credit card that I did not request or want.

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 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a credit card with AMEX because I used it at XXXX. XXXX   decided to terminate the relationship with AMEX and my AMEX account was closed. XXXX  sold the list to Citibank who sent me letters telling me to sign up for a XXXX XXXX   credit card.

I did not sign any forms with Citibank and now they are attempting to collect money from me. I have never charged anything, I do not have a Citibank card. Their charges are from their annual fee and interest.

I have written to Citibank several times and they do not answer.

I get calls daily from a Citibank robo caller.

I hate Citibank.

I think this is like XXXX XXXX opening accounts without permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent several letters to the 3 major credit reporting agencies ( Transunion, XXXX, and XXXX ) disputing incorrect information on my credit reports. I have attached all of the paperwork that I sent for your review. I need this information fixed because it causing me financial difficulties.

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 2018-04-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was part of the Equifax and XXXX data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: IL

Complaint narrative:
My information was part of the XXXX and Experian data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.

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 2018-04-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Have asked the bureaus numerous times to update all of my personal info ( name, address, employer ) and they refuse to remove information that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
this maybe somewhat similar post but is not this has more information, and now will be held in the XXXX XXXX XXXX and a XXXX Pound note against each individual committing crimes against me. Forgery is a Crime. Black night foreclosing run of the mill operation, with publishing and posting fraudsters, forging my name, securitizing before closing deal not even owner, clouded title, fraud lien instrument, FDCPA Violation of Taxes, Stealing SSI and Cusip money, XXXX Accepted under duress as beneficiary with non-disclosure and another time as trustee, cancellation of note securitization, all fraud trying to settle the accounts and can not and attempting through XXXX XXXX XXXX, and Quality Loan Service to foreclose on the debt of the bank owes to the federal reserve, go to jail. ( CONFEDERATIONS in 2018 XXXX XXXX COURT MARTIAL LAW RULER JURISDICTIONS ) 24 hours to respond to the XXXX XXXX XXXX XXXX, SOVEREIGN AUTHORITY and JURISDICTION FOR AMERICANS. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On Monday XX/XX/2018 i received a phone call from my Aunt at XXXX XXXX  stating that XXXX XXXX  had contacted her about an account that i hold her name is not on my account nor is she Associated with this account. They released information to her about my account. So I contacted XXXX XXXX myself an Spoke to a XXXX XXXXXXXX concerning my account i asked her why she had contacted someone about my account that was not attached to my account she then informed me that under the law she can contact anyone she can to get payment on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 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: WI

Complaint narrative:
I have contacted Transunion and XXXX on several occasions informing them there are several hard inquiries listed on my credit report dating back to XX/XX/2016 that I did not authorize. I have spoken to over a dozen US reps as well as reps from other countries over the last 4 months. I have explained that my identity has been stolen 4 times over the last 7 years. I placed a fraud alert on each of my reports which are now expired.

Based on my report there are also several duplicate inquires from the same company around the same time. I asked what is the procedure for disputing inquires that have not been authorized by me? I have been told inquires can't be deleted. I need to send letters to over 20 places listed on my report and have them remove the inquires. I explained that would be very time consuming to write letters to over 20 companies for unauthorized inquires. I also explained these inquires have damaged my credit as well as caused me to be charged a higher interest rate. 

I called and spoke with another rep today and explained to him I will be filing a dispute considering I have been in circles trying to get this resolved and deleted from my report. The last rep I spoke with today from Transunion stated if I get a letter from the CFPB they will delete the records from my report. I will also need to attach a letter requesting the deletion. 

The file number for the Transunion dispute is XXXX. I was told to send the information to the Consumer Contact Department. The turn around time would be 5 days to review and delete. Please delete these unauthorized inquires from my 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 2018-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Have asked the bureaus numerous times to update all of my personal info ( name, address, employer ) and they refuse to remove information that is inaccurate.

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 2018-04-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Have asked the bureaus numerous times to update all of my personal info ( name, address, employer ) and they refuse to remove information that is inaccurate.

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 2018-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I received an alert on XX/XX/18 from my credit monitoring notifying me that this account ( XXXX XXXX XXXX ) has been closed by the creditor without any notification. I have not received any documentation, statements, letters from this bank in years. The credit card was in great standing and I would have used the card more often had I known this would have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Mariner finance XX/XX/2011 {$2000.00} I am a victim of identity theft account was unauthorized.

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 2018-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am a recent graduate of XXXX XXXX  University with degrees in XXXX  and XXXX XXXX. Upon looking for a job, I submitted my resume to XXXX. Approximately three months later I received a legitimate email including a questionnaire inquiring about the type of work environment I would be looking for and my target salary. Less than a week after this legitimate email ( ending inXXXX ) I received an email from someone posing as a " XXXX XXXX XXXX '' who I researched to be the director of HR at XXXX. She held a " soft interview '' on XXXX hangouts with me - asking similar questions to the questionnaire I had received prior. Then I was asked to scan my signature on the " acceptance of employment '' letter and email it back to her. The job was to start in two weeks from the false notification of employment in XXXX XXXX, Va, where an actual branch of XXXX is located. The next day " she '' sent me a " start-up check '' for {$1800.00} to purchase scheduling software that would go on my " work computer. '' The software was called " XXXX '' and " XXXX '' which she said could only be purchased through XXXX. I researched the software and the cost matched with the amount of money I was sent via check. The check deposited into my account ( for the full amount ) so I had no reason to doubt the legitimacy of the job offer. I purchased XXXX credit with the money I was sent and emailed the information to the person who instructed me to do so. I was told this credit would be used to put the software on my work computer. This check cleared on a Wednesday. After I purchased the software credit, I sent it to them and the check bounced on that Friday - leaving my account at - {$1800.00}. This is when I realized the job offer was a phishing scam. Because the check deposited to my account and I was given access to the full amount of funds in 24 hours, I blame PNC Bank for allowing a fraudulent check to be deposited in my account before it cleared. If they had done their job : the service of validating and safeguarding financial assets, this issue would never have occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-23 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: AR

Complaint narrative:
Several attempts made with various forms of correspondence including notarized affidavits, police reports, and letters have been sent through certified mail and faxed to Transunion Credit reporting agency. In addition, a letter requesting proper debt validation due to identity theft was received on XX/XX/XXXX17 @ XXXX by Transunion XXXX Transunion is in violation of the Fair and Credit Transaction Act by not honoring valid police report 's and has yet to provide 100 % accurate debt validation in lines with the FCRA. Transunion appears to only be utilizing the e-oscar verification process for fraudulent account verification. I am willing to move forward with a consumer attorney for a resolution if im unable get this issue resolved.

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