vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I have no idea who CREDIT BUREAU ASSOCIATES, INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CREDIT BUREAU ASSOCIATES, INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CREDIT BUREAU ASSOCIATES , INC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ CREDIT BUREAU ASSOCIATES , INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to CREDIT BUREAU ASSOCIATES , INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Gramm Leach Bliley Act Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: EVERBANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Mortgage company is some staple policies and reporting late payments based upon the date that they post payments not the date that payments are made and according to loan notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
There's a common practice with credit card companies that affect people with money problems. 

1. they offer a balance transfer if you open a new card. 
2. they ask you how much you make per year. ( without any evidence, people can lie and inflate their income ) 3. the company accepts your application and balance transfer. The promotional period is generous- around 13 months in this case ( Bank of America platinum ). 

4. After the promotional period, the rate rises to 24 %. This is a loan shark rate that is impossible to pay back for most middle- low-middle class people. 

5. HERE 'S THE KICKER : After approving your application, mailing your card, emailing an announcement that your card has been mailed, they delay the balance transfer payment to the other card TWO WEEKS. Your balance remains at XXXX for two weeks. 

This practice ( mailing the card, delaying the balance transfer and keeping your full credit line open at {$0.00} ), is designed to lure people into using their card for purchases. 

This is TWO WEEKS where people who don't understand the rules make purchases at a 24 % rate. It's even possible that the balance transfer might exceed their credit line when it is posted/processed if they've used their card during this two weeks. After the balance transfer is complete, they can not begin to pay off the balance transfer until they pay the balance for the purchases made earlier. This increases the likelihood that their balance will lapse into the non-promotional rate. 

This is predatory, manipulative, and deceitful. THERE SHOULD BE A LAW PROHIBITING THIS TWO WEEK DELAY. It's obviously an intentional way to take advantage of financially unaware or desperate people and lure them into using their card.

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 2019-05-29 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: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : ( ALLY FINCL - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC
State: TX

Complaint narrative:
got a call from lendingpoint they promise to get me a loan XXXX.upon checking my credit they said that i was approuved, later they ask for my XXXX XXXX XXXXXXXX password . then they ask for my XXXX statement. everything was submitted. never got this loan they used unfair and discriminatory practices, collecting password, doing hard inquiry, pulling credit report and so on ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My credit was pulled by USAA on XX/XX/XXXX and XX/XX/XXXX and it was right off the rise these are hard credit and I would like them removed from my credit report immediately if they are bringing down my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: CA

Complaint narrative:
I have been a victim of Identity Theft as well as XXXX XXXX Data Breach.The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value and several negative items. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : ( XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : ( XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was contacted by portfolio recovery company and they are trying to collect a debt. I had written them back to provide validation of this said debt. They then responded again with the same prefilled forms that they sent me the first time. They are asking me to validate by give them all sorts of information. No when a consumer writes in and asks for validation of a said debt, the company who is trying to collect is suppose to provide this information. This company is not providing anything. It is not my job to validated a debt that they are trying to collect on. Under law it is their job to validate, not verify, the said debt. The are reporting on all 3 of my credit bureau and have never validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been paying my credit cards on time for the past 2 months and have not received any points usually when i pay i received 10 points but now it seems as if they stop giving me points. I called and ask and they told me it has nothing to do with them and that its up to the computer generated system to update. I'm trying to buy a home so i need my points for all 3 scores. I had I missed a payment my score would of drop 20 points or more i recently made a payment on the 14th and 23 and still nothing.

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 2019-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bloomingdales signed me up for their American Express card without my consent. When I called to tell them I had never signed up for the card ( assuming it was fraud ) they informed me that they had sent me a letter informing me that I would need to opt out of being signed up and that since I hadnt replied they took it as positive confirmation I wanted the card. I never received that letter ( or maybe it just looked like junk mail ) but regardless how is it possible that I would need to opt out of signing up for a credit card? Sounds like they have ex-XXXX XXXX employees running things over there.

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 2019-05-29 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: CA

Complaint narrative:
I have been a victim of Identity Theft as well as XXXX XXXX Data Breach.The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value and several negative items. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-05-29 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: CA

Complaint narrative:
I have been a victim of Identity Theft as well as XXXX XXXX Data Breach.The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value and several negative items. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am a former resident and I was advised to move out within 24 hours of receiving the move out notice. I moved as requested then received a bill later for charges. The first invoice was incorrect that was emailed to me on XX/XX/2019 with the move out reason so it took their IT department a week to fix that issue to make the move out reason correct. After that I received a correct invoice is email on XX/XX/2019 for the move out reason. Now when I received the correct invoice I did not know I would be sent to collections XXXX near the same time frame of receiving the updated invoice. Highly XXXX is an understatement!! My account is not even 30 or 60 days late because I just received the new invoice at the end of XXXX. The notice from the collection agency is dated XX/XX/2019 so Im confused because the account is not even a month late because of their issue with putting the incorrect information on the move out form that was emailed. Wow, Im very upset that I am being treated this way with this business. I also mailed a check to the apartment complex on XX/XX/2019 and the check was not cashed at all. I did make a copy of the check that I mailed and also contacted my back to make sure the check has not been cashed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been paying my credit cards on time for the past 2 months and have not received any points usually when i pay i received 10 points but now it seems as if they stop giving me points. I called and ask and they told me it has nothing to do with them and that its up to the computer generated system to update. I'm trying to buy a home so i need my points for all 3 scores. I had I missed a payment my score would of drop 20 points or more i recently made a payment on the XX/XX/XXXX and XX/XX/XXXX and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been paying my credit cards on time for the past 2 months and have not received any points usually when i pay i received 10 points but now it seems as if they stop giving me points. I called and ask and they told me it has nothing to do with them and that its up to the computer generated system to update. I'm trying to buy a home so i need my points for all 3 scores. I had I missed a payment my score would of drop 20 points or more i recently made a payment on the XX/XX/XXXX and XX/XX/XXXX and still nothing.

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 2019-05-29 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: MO

Complaint narrative:
I have tried to dispute these inquiries with Equifax on XX/XX/19, they have refused to delete each and every last one of the unauthorized inquiries by saying they were factual with no written proof/signatures that I authorized these inquires on my report. Saying they are factual is not sufficient enough investigation as to them being factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pendleton Capital Management
State: WV

Complaint narrative:
My received my first phone call on XX/XX/2019, a voicemail, which I called back to. A customer service rep named XXXX ( possible misspelling ) with Pendleton Capital pre-legal department. She explained I had a XXXX dollar debt with XXXX, to which I asked for a validation of the debt, meaning a copy of a credit card statement, etc. She refused to give me any more information of regarding the debt and immediately hung up on me. I never received any correspondence via email or physical mail from Pendleton Capital regarding the debt. 

I received another phone call on XX/XX/2019 from a XXXX from Pendleton Capital. I, again, asked for the debt to validated to which he became verbally abusive, threatened to take me to court and pay XXXX verse the XXXX hes attempting to collect. I kept repeating for the debt to validated, he said it was against the law to send me anything and the debt was already validated to the company. He refused to send me any information or invoices of the receipts. I asked for it to be emailed to sent via my physical address. He became irate and hung up with me. He called back a few minutes later saying we got disconnected ( we didnt, I was downtown with full bars and I can tell when Im hung up on and when I hit a dead spot ). He again started threatening with my wages being garnished and I would have to pay thousands over the XXXX debt. I repeated constantly for my debt to be validated. He refused to send me anything, but said he would send a demand letter via email. I never received anything. 

On XX/XX/2019, I received another phone call from the same gentleman, XXXX. He again started with the same tactics and said I sent him a bad email address ( I didnt ). I told him all information needs to be mailed to me including information in my request to validate the debt. He said I was not cooperating and hung up. I do not believe they can validate the debt, or else they would have easily just sent me the information to look over. This gentleman was very abrasive, threatening, and he would not let me speak. Again, he refused to send me anything about this debt and when I started to say, you can not call me at this number. He spoke over me and hung up. Please look into this, its ridiculous and I believe a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. This company is not registered in the state of Texas and is not a valid company. They have sent unverified information regarding my file. This is a violation of the FCRA. I demand it be deleted.

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