vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BOEING EMPLOYEES' CREDIT UNION
State: CT

Complaint narrative:
In XX/XX/2017 Becu called me saying there was suspicious activity on my card and needed to get into my account to look at it so they asked for my log in info, full name and debit card number and this was about a week prior to the incident. 

My grandmother sends me money on a regular basis to help me with funds since Im alone most of the time while my husband is gone all the time for work because he is XXXX. I had no idea that the funds in my account were from some other source. Iwas in shock and in tears to see my account overdrawn in the thousands and that someone logged possibly stole my information. I also saw in my account that someone logged in on XXXX XXXX and that is when i panicked and called in because I dont know anyone of that name nor would i log in to my bank on someone elses phone. The woman on the phone made me uncomfortable and made me feel as if it was all my fault. She would not provide me with details on how my account was compromised or what had happened. Ive been so scared about this situation because i have little to no money to repay at this time but i dont want my credit to be horribly affected by this especially at my age. 

On XX/XX/XXXX I received a letter from BECU stating that my account has been sent to Loan Loss Recovery for collections and they will take whatever actions necessary. It also states that i will incur additional collection costs, including but not limited to, court costs and attorney fees. They also stated that they may report information to the credit bureaus. 

My grandmother will also be trying to help me on the situation and taking legal action since me and my husband are stationed 3,000 miles away but i was told to report this to Consumer Financial Protection Beauru first.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I send a request demanding debt validation to Portfolio Recovery Associates on XX/XX/XXXX certified with return receipt.

For the amount {$1400.00} They send a verification letter on XX/XX/XXXX The letter had no other supporting documents. Called and spoke to XXXX XXXX and get manager. They told me they did not have any documents and were not required to provide them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2018 I deposited a {$100000.00} check to my Chase checking account from a family member. The amount was paid from the payor 's account on the next business day. 
Chase however put a hold on the deposit, and insisted that it must receive confirmation from the payor bank that the check had been paid. Chase is unwilling to confirm that Chase has received the funds. It appears that as a matter of policy, Chase puts a hold on ALL large deposits and waits until the very last day allowable under Regulation CC, the seventh business day ( in this case XX/XX/2018 ), to release the funds, even though Chase has and can ( but chooses not to ) confirm that it has received the funds from the payor bank. I believe this is an abuse by Chase of the discretion provided by regulators to banks under Regulation CC to put holds on large deposits. The purpose of the regulation is to prevent losses incurred by bad checks, not to provide banks with an opportunity to earn interest on deposits for a few extra days after good checks have already been paid. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: FL

Complaint narrative:
I disputed inaccuracies with a Equifax concerning my student loans. I consolidated my accounts and the consolidation caused the accounts to be paid in full and closed. I did this to clear up my credit report so that I can purchase a home. My on time payments are missing for a whole year and my missed payments are showing up with which is throwing off the ration, so I consolidated. Every other credit bureau removed the accounts from my credit report and reflect the current consolidated student loans except for Equifax and I would like them to follow suit and delete the inaccurately reported accounts and payment history. The XXXX representative told me that consolidation would resolve this so now I am asking that my Equifax be updated to reflect the changes as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
On XX/XX/2018, I sent Cavalry a cease of communication letter, which they signed for ( evidence attached ) because Cavalry has ignored my 7 attempts to validate debt claimed owe. Instead, Cavalry has repeatedly sent me countless automated letters. I continue to receive harassing mail from their XXXX, NY address, after I have requested them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
This debt was paid in full, I continue to get daily calls from them. When I explain it was paid in full they say " we will close the account ''. I just spoke with a rep. who was again very rude, when I ask to speak with a supervisor she said " no problem 5 times '' and yes this should be recorded. When I spoke with the supervisor ( Mr. XXXX ) he said that someone was " dropping the ball '' in the office and not closing the account. I said that sounded like an internal problem and ask if I would continue to receive calls and he said " until it's closed. Every person I have spoken with there is very rude, also per the Company the messages were recorded. Dates of calls XX/XX/XXXX,XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/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 2018-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Nationwide Debt Management Solutions, LLC
State: NJ

Complaint narrative:
They have violated my rights with harassing calls at my place of work, harassing calls to my family members and friends as well as threatening me on my personal phone. They call all of these places with the same threatening story that I am going to be served at my employer and sued for non payment if I don't pay them by a certain time that day. 

I have requested numerous times to have the information on this debt sent to me in writing so I may review the accuracy and legticmy of this debt. You refuse to give me an account number or any information on this debt. I am hung up on every time I make this request. I am also hung up on when I ask for their contact information. I was only able to get their company name and address by tracing one of the numbers they have called me from. 

They only say the original debt is XXXX XXXX but give no loan number or will not send me any written information on this debt. They say they are a law office hired to serve me on this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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:
On XX/XX/XXXX I submitted a dispute to XXXX requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, XXXX  sent me an email stating their investigation did not fix the error on my credit report because TransUnion and XXXX  companies that reported the information to them was certified. No other explanation was given.

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 2018-06-26 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:
On XX/XX/XXXX I submitted a dispute to XXXX requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, XXXX sent me an email stating their investigation did not fix the error on my credit report because XXXX and Equifax companies that reported the information to them was certified. No other explanation was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have 2 accounts with XXXX XXXX ... I haven't used either account in over 3 years. I was called in XX/XX/2017 and told the account would be at a XXXX balance if I paid half and they credited half, I paid and was told they were paid off, I never received a bill and am not told that they accounts have a combined balance of almost {$1000.00}. I want these interest charges and late fees to be credited. I also want the late payments noted on my credit report to be removed as well.They call me every few months for a payment to show my account is still active and I pay because I don't want my credit destroyed but this isn't fair and my accounts should be credited in full

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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:
I am a victim of identity theft and ive been trying to have these fraudulent accounts removed for quite sometime now. On XX/XX/2018 I sent in my dispute letter and supporting documentation for 3 fradulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are not mine and are having a negative effect on my credit file and I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BlueChip Financial
State: NJ

Complaint narrative:
They have violated my rights with harassing calls at my place of work, harassing calls to my family members and friends as well as threatening me on my personal phone. They call all of these places with the same threatening story that I am going to be served at my employer and sued for non payment if I don't pay them by a certain time that day. 

I have requested numerous times to have the information on this debt sent to me in writing so I may review the accuracy and legticmy of this debt. You refuse to give me an account number or any information on this debt. I am hung up on every time I make this request. I am also hung up on when I ask for their contact information. I was only able to get their company name and address by tracing one of the numbers they have called me from. 

They only say the original debt is XXXX XXXX but give no loan number or will not send me any written information on this debt. They say they are a law office hired to serve me on this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: CO

Complaint narrative:
Apparently I was put as a secondary contact in case they could not reach the individual ( family member ) who owes debt. I have been unable to reach anyone at the company and demand that all calls stop immediately. I demand that my information be immediately removed from any contact list and that all contact attempts cease. I've been called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have no legal obligation for this debt and have exhausted all remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
This company has sent several individuals to show up at my house on a daily basis. They give out information about the debt to other people that are not me in order to embarrass me to pay. This harassment has been going on for month. I also get daily calls from different numbers and they never state who they are in voicemails. Once i return that call they tell me who they are and are very hostile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO

Complaint narrative:
On XX/XX/2018, XXXX alerted me that ONEMAIN had requested access to my consumer credit report. I had no knowledge or did I give my consent for ONEMAIN to review my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I initiated a credit freeze on my account. On XX/XX/XXXX a  credit card was issued by XXXX XXXX. I contacted them and advised that it was a fraudulent application and they cancelled the card. On XX/XX/XXXX an inquiry from XXXX Cardmember Services submitted an inquiry and contacted me because I have a 7 year fraud alert within my credit profile. Subsequent to that conversation I requested certain documentation regarding the inquiry and they informed me that they were able to obtain my credit information from Equifax. I have attempted to inquire as to why/how my credit information is being published when there has been a freeze on my account for 18 months. Each time I attempt to resolve this issue they tell me that the Credit Freeze Dept. can not help me because their systems are being updated and to call them back after 30 minutes. I waited 2 hours, called again, explained the entire saga to their personnel only to be told that I need to call back because their systems are being updated. 

I requested that Equifax call me back after their systems are updated so that I do not have to spend hours explaining my situation over and over, but was told that they " don't do that ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a block on my credit report, I am trying to build my credit and I am sorry to say that I also have family members whom will use my name and information for their own personal gain, which I will all my information and service go to a separate address. As I said before I am trying to build my credit so I can buy a home ... however when I access XXXX XXXX I see all these inquiries on my credit I never authorized. I havent request or authorized any access since 2015 so all inquiries on my report should be gone but I have lots. I thought maybe I had removed the block but when my broker tried to access my credit he told me of the block on all 3 reporting companies ... so how was my records accessed so many times. I shouldnt have any new creditors after 2015 as well. So any and all information should be removed,

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 2018-06-26 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:
I am a victim of identity theft and ive been trying to have these fraudulent accounts removed for quite sometime now. On XX/XX/2018 I sent in my dispute letter and supporting documentation for 3 fradulent accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These items are not mine and are having a negative effect on my credit file and I would like them removed.

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 2018-06-26 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:
I am a victim of identity theft and ive been trying to have these fraudulent accounts removed for quite sometime now. On XX/XX/2018 I sent in my dispute letter and supporting documentation for 3 fradulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are not mine and are having a negative effect on my credit file and I would like them removed.

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 2018-06-26 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: Danco Financial Services, LLC
State: NY

Complaint narrative:
Danco Financial still shows up on my credit report and has been the cause of denied credit due to it showing up as a repossession. This account should have been resolved in a previous bankruptcy started in XX/XX/2012, but it still shows up as account closed, not settled or satisfied. Also, my name shows on two reports as having a middle initial - I have never had or used a middle initial of any kind in my life. Additionally, I see an address in XXXX, NY where I never lived. This makes me think someone used my name with that address or received goods or services in my name with that address, I don't want to be or should not be responsible for that account/debt at all. I need help paying for medical bills, but have tried to increase my credit score and I'm hoping that removing these negative things will help to increase my score and or at least have me listed as the correct person on future reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: SC

Complaint narrative:
I have filed a complaint against XXXX XXXX XXXX that alleges the company, which operates as XXXX XXXX XXXX XXXX, charges improper and excessive termination fees for leases of point of sale ( POS ) equipment, such as payment terminals, card readers and mobile payment devices. 
We mailed this company many times to explain that a collection is impossible and we explained the collector can not seek a reimbursement from XXXX XXXX stemming from the profits reaped by the company from subjecting merchants to complex agreements involving several parties just to lease a POS terminal which could simply be purchased for less than {$200.00}. 

The only existing contract was signed with XXXX. This XXXX document is identified with a number. This document doesnt make any reference to XXXX XXXX. 
XXXX XXXX present a new Document with a reference to XXXX XXXX. This document was completed after signature. 
I claim that XXXX XXXX pushes merchants to lease payment equipment from XXXX XXXX upon entering into payment processing agreements with financial institutions, who serve as the companys agents in POS leasing transactions. XXXX XXXX allegedly tricks merchant customers into spending thousands of dollars leasing payment equipment that can be purchased outright for less than {$200.00}. 
I this case XXXXXXXX XXXX  allege a binding merchants to years-long agreements that do not allow for the cancellation of the lease of POS terminals. 

I didnt signed any leasing agreements with XXXX XXXX. 
The material ( XXXX XXXX XXXX XXXX ) was returned as soon as it was received. 
The merchant service XXXX was informed more than a year ago that the contract was breached. 
XXXX XXXX as well was informed a year ago. 

XXXX XXXX includes a alleged a non-cancelable agreement clause within its form contract. 
We never signed the contract neither any affiliates Program Guide.

We never signed an insurance for a non existant material. 
We never signed for any delivery of material from XXXX XXXX or anyone else. 

The collection company attempt to maximize profit for XXXX XXXX regardless of the circumstances and the documents provided. 
In fact, there is a class action for the same reason against XXXX XXXX claiming that the contract can not be canceled without the customer paying all remaining sums due for the full term of the lease agreement, even if XXXX XXXX fails to perform its obligations under the contract.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation