vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-19 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: IL

Complaint narrative:
I have been disputing false accounts on my XXXX XXXXXXXX via XXXX and they have been " under investigation '' since XX/XX/2015. They have been having a negative effect on my credit account since and when I try to speak to someone at the collection agencies, I keep getting the run around and I'm told that the collection was transferred to a new collection agency. The said agency is not in my credit report at all and have never heard of them. The agencies are not helpful and the department I have to speak to is always closed. I have also been requesting debt verification but they say it's in the mail and I have not gotten anything. The XXXX  file number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion has failed to Add the XXXX XXXX XXXX XXXX  Tradeline that I'm an Authorized User on my Parent 's Account. Its already been Added on XXXX & XXXX but you have continuously failed to report. I have contacted the Executive Office & this is my final result before I follow a Lawsuit against the entire XXXX XXXX. I have Attached Copies of my most recent XXXX, & XXXX  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 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
My complaint is that I was told that if I settled a debt with them they would not report it on my credit report. I paid the debt in full but they did not follow through with their promise. Additionally, I disputed it recently and they are not taking it off my credit report and its adversely affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Signed up for the American Express OPEN Starwood Preferred Guest Business Credit Card and approved on XX/XX/2017. Promotion stated XXXX SPG points after {$6000.00} spend in the first 3 months and an additional XXXX points after {$10000.00} spend in the first 6 months. Met the requirements and no points awarded. After multiple calls my case was placed under investigation, told to wait 8 to 12 week. No points awarded. Have called multiple times to XXXX   OPEN and no explanation given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 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: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
I do not have a signed contract nor any contract with Accelerated Financial SO. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Accelerated Financial SO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 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: PA

Complaint narrative:
I am a victim of identity theft. My personal information was compromised and inquiries were incurred in my name without my knowledge and/or approval. I have phoned my dispute to XXXX XXXX company on 2 instances in XX/XX/XXXX without resolution with all the relevant information they needed to verify my claims but these unverified inquiries are still showing on my credit report. I have also informed Experian without resolve. Please delete these erroneous inquiries from my report ASAP : XXXX XXXX pulled onXX/XX/XXXX. While an indicator of factual information, FCRA says information added via fraud may not remain on one 's 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 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I received a harassing phone call from Portfolio collection for a fraudulent debt that I do not owe. Im also on the do not call list and keep receiving calls from this company. The representative refused to disclose the companys name as I requested it several times. He would only state his name and the caller ID had shown the call as unknown. I would like these harassing calls and false accusations to stop. Ive told Portfolio several times that I was in the do not call list and that I do not owe any company debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
My fathers wife had gone into the hospital on XX/XX/XXXX, very ill. When we found out that he needed our help my father was beside himself since his wife always dealt with every day expenses. My fathers wife wrote checks for the bills as well as for cash at the bank so to have cash on hand. On XX/XX/XXXX she wrote her last check for my father to cash at the bank, it was for {$500.00} for breakfast and supper he eats on a daily basis. Later in the month I had taken my Dad back to bank to see if he would sign a withdrawal slip which was completed by a bank representative for {$4000.00} and it bothered the bank but at this time my fathers wife daughter was staying with him and she had no interest in taking care of him, she had gone in once from what I was told trying to get into their account, but was unsuccessful. I was told as long as my Dad had checks he could get cash out of his account. When his wife pasted on XX/XX/XXXX they had paid for where to bury in XX/XX/XXXX but the crypt to open and close it, had to be paid first so in order to bury her we went to the bank to get the money which was {$1000.00}, this was on XX/XX/XXXX, One representative talked with us and had done a withdrawal slip and my Dad signed it, she also took and copied the Death Certificate, then came back and said that she would not allow my Dad to withdrawal the money, that he was not capable of knowing what he was doing. My Aunt is the executor of my Dads wife 's will she was with us plus she had to lend us the money to open and close the crypt so she could be bury the next day, Saturday the XX/XX/XXXX Since then we all decided to avoid the bank but my Dad wanted to get money to take care of himself and his pets, we just paid with what we had until it was more than we could take, his money is his and he should be allowed to it. On XX/XX/XXXX was the first day at the bank and when they had flagged the account and tried to say that he was not capable of what he was doing, I was on the phone with the FCC which connected me to you. I also told them that no one has gotten any report from a doctor saying that my Dad is not capable of getting money to take care of his needs, to do the bills is a whole other story, his wife did the bills. He was able to get the money but I was told just this one time, now I have POA to help him.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Veros Credit, LLC
State: FL

Complaint narrative:
Notice one day money being garnished out of my check nearly half of my funds leaving me ( head of household ) to be financially distressed, bills back-up. They are trying to collect {$16000.00}. They are in a total different state then where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: MA

Complaint narrative:
On XX/XX/XXXX applied for an auto loan. I was approved with XXXX XXXX XXXX. I have several hard inquiries for the same pull on XX/XX/XXXX for this auto loan. I would like to only have the banks in which I wasnt approved pulled from my credit hard inquiries report. I have the pulls with the following on the same date ofXX/XX/XXXX. Can this be reduced to just one pull from XXXX XXXX and XXXX XXXX if anything 1. XXXX XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. 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 2018-04-19 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I do not have a contract nor any contract with Portfolio Recovery. I have never done business with this company. I am not liable for collection from this debt from Portfolio Recovery. I am not responsible for this debt with Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
I received a harassing phone call from XXXX XXXX  for a fraudulent debt that I do not owe. Im also on the do not call list and keep receiving calls from this company. The representative refused to disclose the companys name as I requested it several times. He would only state his name and the caller ID had shown the call as unknown. I would like these harassing calls and false accusations to stop. Ive told XXXX several times that I was in the do not call list and that I do not owe any company debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Call after I seen it on my report and have yet to hear a response about how the debt is not mine and I had no dealing with this company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC
State: SC

Complaint narrative:
PINNACLE is reporting on my credit file ..I was reading on your website about my rights and what i can ask the company to provide me if they felt i owed them money ..I never even knew they were on my report and never recieved notice about it .Until it is stopping me from purchasing my home .I asked them to send me information in regards to oweing the collection agency and contract i signed with them but they only send a few statements im comfused and its looks like old account but shows likes its recent its not even reporting right I ask them to validate they send me letters asking to pay and call me to pay but never send what i need I dont think they can do this to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
my complain is about Bank of America. when I open my account they told me there was no fee if I keep certain restriction. I have met them. one of two on my account I only keep to pay my insurance and the other one was keep the change account. I would transfer certain amount of money in the account that pay my insurance. my checking account met all the restriction that they require that they don't charge a fee. when I finally look on my statement I call them about the fees they told me that the fees started from last XX/XX/XXXX. if I did know about these fee I wound have close the accounts like I did today because I did not need them. I know I'm not the only one who is having this problem with the banking fees. they are having people open unnecessary accounts and turning around and charging them.

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 2018-04-19 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: CA

Complaint narrative:
On XX/XX/17 XXXX XXXX called me and wanted to know if I had applied for a XXXX XXXX card. I said " no '' and stated that this was a fraudulent application. Needless to say this inquiry is reflected as a hard inquiry on my XXXX credit report. I called XXXX XXXX  and they told me that they had notified the three reporting agencies about the fraudulent inquiry and should be taken off my credit report. To this date it is still reflected on my XXXX  report. My patience is now exhausted

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 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The account is a fraudulent XXXX account posted on my XXXX and XXXX  credit report. As I stated to them before this is not my account and it is fraudulent. I need this taken off immediately because it is not my account and negatively affecting my credit report. On my XXXX  it even states XXXX XXXX XXXX is the direct lender and I have no ties to the company or XXXX. I have never received communications at all from this company either. I have fraud alerts and police reports on file with the credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
My first contact with TransWorld Systems was in XX/XX/XXXX when they called my XXXX year old mother in NY state while I happened to be visiting. I live in XXXX  OR and there is no reason why they should even have this phone number. I would never give it out, its not where I can be reached, and I shudder to think to what extent they violated my privacy and personal background to get it. I was told they got it from the creditor which is a flat out lie.

I gave them a payment of {$95.00} which cleared my bank on XX/XX/XXXX. The creditor, XXXX XXXX XXXX XXXX in XXXX OR, as of XX/XX/XXXX has not received this, and at this point I dont know if they ever will. I called the TransWorld number on their paperwork and the call could not be completed while my cell phone displayed it as FRAUD. I got an Oregon number for them from the creditor, and the person who answered claimed this was not the right dept. and gave me the same number that I previously called. In other words, I have no way to even contact these people.I am increasing nervous that a shady company like this has my bank information and i certainly dont want them using phone numbers they should have no access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Never made deposit available. Claims check was returned. My XXXX XXXX report shows no negative reports. No checks reported as returned

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 2018-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
My name is XXXX XXXX. I currently have a mortgage with Bank of America. At one time the loan was in foreclosure but has since been made current. I am currently being billed approximately {$1400.00} dollars for which Bank of America describes as a Sheriffs fee. The gentleman at Bank of America informed me I would need to speak to the law office in charge of my foreclosure. I called the law office and spoke to XXXX XXXX who informed me that her office had not billed Bank of America for any services on my behalf. I called Bank of America again and was told there was nothing else to be done- I need to pay the past due amount. The sheriff was never dispatched to my home. Its also of interest to note that my past due amount was completely paid on XX/XX/2018 and the supposed date of this bill is XX/XX/2018.

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 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
About 8 months ago, I called my mortgage company because I was behind on some mortgage payments. I spoke to customer service from the mortgage company and that person stated that my account was on process of an assumption agreement and to hold making payments. After 3 months, I receive a letter from attorneys, hired by the mortgage company stating that my property was on foreclosure for lack of payments. I then called the mortgage company again and they stated that I needed to send more documents for the process of the assumption. They sent a form ( RMA ) which I submitted back to them over and over again because it kept getting rejected. Finally I spoke to a relationship manager, who then stated that they had been sending the wrong form and that was the reason the RMA form kept getting rejected. I replied that it wasn't my fault and because of that, everything was taking longer. I was told that I needed to download the form and fill out and send it to them. It took me awhile to submit since I have been sick and diagnosed with XXXX, I did not have the ability to fill out the form by myself and was just struggling completely to get this done with. Finally a friend helped me and the form was sent. To the day this has not been resolved and just one month ago I still had to send over the whole package again. I do not want my family or I to lose my home and this situation has caused me a lot of anguish and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: AL

Complaint narrative:
Transunion has violated the FCRA law ... And they are erroneously reporting information on my credit file that they have obtained from a third party source. They have not provided any proof that their information is either court ordered or has any authorization bearing my signature that they report directly to the Bankruptcy Courts or Public Records. It is defamation of character as well.I plan on seeing this through until I get a favorable response according to the laws of the FCRA.

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 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I opened a PNC Bank Secured Card in XX/XX/2015 that was closed however up until the Data Breach with the Credit Bureaus it was still showing building my Credit. Credit is very important to me & I contacted the Credit Bureaus & they said I needed a reinsertion letter. I contacted the Executive Office at PNC Bank & was not able to get this resolved. The next step would be to File a Lawsuit against the Credit Bureaus & PNC Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
Had several calls from this number from Harris & Harris, LTD XXXX XXXX   ( XXXX  ) XXXX - Im in Florida- for the last couple of months and always let it go to voicemail and read the transcript, is a debt collection agency that I have no business with. They call, at odd times also, robocall, finally I decided to call back and complained about the harassment and stated I have no debts being collected, she took my name and number and said it didnt match who they were looking for. A week later the calls started again, called back and complained and said I was going to report them if they continued the calls. It may have been one to two weeks and Im getting the calls again. Last call XXXX on XX/XX/XXXX. I can check my log for the other calls if needed.

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