vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FTC VIOLATONS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one of the collection agencies that uses an Automatic Dialer to call consumers to collect. Our clients will often ask us why they are getting called from a company that will always hang up on them or will have no one on the line with them when they answer the phone. 

Major Producer of Merged Credit Reports Agrees to Settle Charges of Violating Fair Credit Reporting Act ; Settlement Would Require Company to Investigate ; Take Other ActionsXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, now a division of XXXX, violated the Fair Credit Reporting Act ( " FCRA '' ) by, among other things, failing to investigate information disputed by consumers in certain credit reports -- known as instant merge reports -- prepared by XXXX. XXXX is based in XXXX XXXX, Florida ; XXXX is based in XXXX XXXX, California.

FTC 's Privacy Rule and Auto Dealers : The Federal Trade Commission ( FTC ) has developed these additional FAQs to help auto dealers comply with the Gramm-Leach-Bliley Act and the FTCs Privacy Rule. The following questions and answers show how the Privacy Rule applies to specific situations that auto dealers may face. Before reading this, you may want to familiarize yourself with the FTCs small business guide, How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act, and the Frequently Asked Questions for the Privacy Regulation. Other business guidance is available on the FTCs Gramm-Leach-Bliley Act page.

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 2020-02-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FTC VIOLATONS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one of the collection agencies that uses an Automatic Dialer to call consumers to collect. Our clients will  often ask us why they are getting called from a company that will always hang up on them or will have no one on the line with them when they answer the phone. 

Major Producer of Merged Credit Reports Agrees to Settle Charges of Violating Fair Credit Reporting Act ; Settlement Would Require Company to Investigate ; Take Other ActionsXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX' ) has agreed to settle Federal Trade Commission charges that XXXX XXXX XXXX ( " XXXX '' ), now a division of XXXX, violated the Fair Credit Reporting Act ( " FCRA '' ) by, among other things, failing to investigate information disputed by consumers in certain credit reports -- known as instant merge reports -- prepared by XXXX   XXXX  is based in XXXX XXXX, Florida ; XXXX is based in XXXX XXXX, California.

FTC 's Privacy Rule and Auto Dealers : The Federal Trade Commission ( FTC ) has developed these additional FAQs to help auto dealers comply with the Gramm-Leach-Bliley Act and the FTCs Privacy Rule. The following questions and answers show how the Privacy Rule applies to specific situations that auto dealers may face. Before reading this, you may want to familiarize yourself with the FTCs small business guide, How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act, and the Frequently Asked Questions for the Privacy Regulation. Other business guidance is available on the FTCs Gramm-Leach-Bliley Act page.

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 2020-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX  XXXX XXXX, CitiBank and XXXX opened accounts in my name without my permission for someone other than myself and are charging me and now I can not open a new account for myself because of this. I have reached out to all of these banks and they refuse to remove it from my consumer report file. I have forwarded them copies of police reports FTC reports and all other requested documents and yet they still refuse

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 2020-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Ascendium Education Group
State: KY

Complaint narrative:
I went to XXXX College of XXXX XXXX however i didnt finish school out due to the fact i had my son. However the school closed down shortly after me dropping out. I reapplied at another college only to find out non of my units/credits are transferable to any other XXXX  college so i have to retake all the classes I owe my student loans on. which is over {$32000.00}. My principal is {$23000.00}. My accured interest is {$6000.00}. Collection fees are {$2800.00}. I dont know what my options are and Im really needing help in where i can go. The company is Ascendium/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
Half of the information on my report isn't mind

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
In XXXX 2019 I was in a car accident and the other lady 's insurance was supposed to pay my medical costs as well as my daughters yet it is shown as in collections on my credit and I should only have one medical bill on my credit from 3 years ago

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I have contacted My mortgage company several times to refund my interest on the Loan I also sent them a recission Notice and they did not refund my money back. I also have a copy of the promissory with not proper endorsements. And have requested from Bank of America to show them proper endorsements and assignments. My last letter I sent to them was dated XX/XX/20 advising them that the promissory note is my signature and furthermore its not endorsed by the original lender and that I have sent recission notice and yesterday by fed ex I received another copy of the promissory with endorsements and now the original signature with my name and on the second copy of the promissory notes dont even match. My signature has forged on both documents. You can clearly see these signatures do not match. They are forging my signatures on the promissory. Same document has different signatures one with endorsements and the other without endorsements. Please help 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 2020-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I received a letter from a debt collector regarding a credit card bill. They address they have on file I rarely reside in its my mothers home so at any time if they did sent me letters I did NOT receive them. Now they are threatening to garnish my wages AGAIN and get my employer involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: NY

Complaint narrative:
These two accounts I had nothing to do with.

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 2020-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
For 4 to 6 weeks trying to close a mortgage. 
After laboring to get all the documents to them they had everything & I paid for an appraisal. 
Then they needed veiication of tax return from IRS. This took several weeks to get & then they said they couldnt accept it from me ( I faxed everything from the IRS ) IRS had to send it to them & they could not retrieve it because my account was blocked because of fraud??? 
This is Cash Call in XXXX XXXX XXXX XXXX I am more than frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I received a letter from a debt collector regarding a credit card bill. They address they have on file I rarely reside in its my mothers home so at any time if they did sent me letters I did NOT receive them. Now they are threatening to garnish my wages AGAIN and get my employer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
sent police report files ftc Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTC. 

XXXX XXXX : In the XXXX XXXX breach, XXXX XXXX people in the United States and XXXX XXXX in Canada were affected. According to the bank, most of the stolen information came from the credit card applications of consumers and small businesses. ... XXXX XXXX has posted information about the .. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent police report files ftc Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTC. 

XXXX XXXX : In the XXXX XXXX breach, XXXX XXXX people in the United States and XXXX XXXX in Canada were affected. According to the bank, most of the stolen information came from the credit card applications of consumers and small businesses. ... XXXX XXXX has posted information about the .. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XXXX  XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: Innovis
State: TX

Complaint narrative:
sent police report files ftc Federal Trade Commission charges that it illegally assessed more than {$36.00} XXXX worth of fees against struggling homeowners, in violation of an earlier settlement with the FTC. 

XXXX XXXX : In the XXXX XXXX breach, XXXX XXXX people in the United States and XXXX XXXX in XXXX were affected. According to the bank, most of the stolen information came from the credit card applications of consumers and small businesses. ... XXXX XXXX has posted information about the .. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in XXXX to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.XXXX XXXXXXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: NY

Complaint narrative:
Wrong job information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Wrong job information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Wrong job information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo ignored me fo long for unauthorized charge they say it's too late although I have documentation, names dates times of wells fargo contacts.

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 2020-02-29 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/XXXX I contacted Apple Goldman Sachs Credit Card company. On the statement they advertise that whenever you make any payment. your credit will be avaliable next day. It does not happen instead it takes them 10 to 15 days to issue credit. 

Please see below false advertising statement. 

How do I make payments? 
You may make electronic payments on your Account through Apple Wallet. 
When will you Credit my Payments? 
We credit electronic payments made by XXXX XXXX. Eastern time on the day the payment is made. 
Do you report my information to credit bureaus? 
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit bureau report. If you believe that there is an error in the information we have reported about you to a credit bureau, contact us at Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXX, PA XXXX XXXX. Please include a copy of the information you believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I received a notification some time XXXX that a debt was owed by an account I did not open. XXXX my home was broken into and since then I have noticed identity theft on my credit report. I have been trying to get the company to send me information about the debt but I have had no luck. The debt was said to be open XX/XX/XXXX. The name of the debt collection is Rash Curtis And Associates. Original name XXXX  XXXX XXXX XXXX XXXX XXXX. While waiting on a response I have gotten a police report for identity theft and got a fraud alert on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My mother sent me XXXX dollars to my account but American Express serve said I violated there terms by doing that it was money to help me make a down payment on my house her bank approved the transaction I have XXXX little girls under XXXX  yrs I have nothing then my tax refund was sent to that account of XXXX dollars they closed my account instead of calling or asking me about the transaction that was made it has the option to select transfer too account I dont need that need that kind of money on me to get robbed I been using this company for 4 years and this happens and they tell me I need to write them explaining about my money that is wrong and outrages please help me I have kids and that is all I had this happened XX/XX/20 help I'm a single mom

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  is reporting late payments to TransUnion. I have never been more than 30 days late on my credit card bill this could be an error the months and years it was reported were XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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 — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: NJ

Complaint narrative:
XXXX XXXX College employee XXXX XXXX spit in my face ON XX/XX/2019. I called Human Resources and went to the XXXX XXXX Police Department. XXXX XXXX XXXX sent me a harassing letter to my post office box stating I can not step foot on campus. How can I step foot on Campus went I was never a student at XXXX XXXX College? 

Ed Financial told me to submit police reports the reports are inaccurate account of what happened XXXX XXXX the office that XXXX XXXX brought up to the XXXX County Board of Social Services building where I was applying for XXXX XXXX and housing at the State of NJ office. I turned my back towards my cousin XXXX XXXX and me other cousin XXXX XXXX had the Drug officer XXXX XXXX. Escort me out of the building. I didn't do anything illegal. I just left the building on my own free will. 

XXXX County Police Department XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX Im still being harrassed by my XXXX XXXX, XXXX XXXX at XXXX County Board of Social SERVICES XXXX XXXX XXXX XXXX, NJ XXXX. 

I took XXXX XXXX to court in XX/XX/2019 the Judge XXXX and the XXXX County Prosecutors office stated she did spit in my face I was in the wrong court. Everything is being recorded in XXXX XXXX XXXX Municipal Court. A  scamming city XXXX, Nj.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: FL

Complaint narrative:
XXXX XXXX XXXX  is reporting late payments to Experian. I have never been more than 30 days late on my credit card bill this could be an error the months and year it was reported were XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
This creditor has placed an account on my credit bureau despite having the information in their possession that shows that the notice of the debt was mailed to THEMSELVES and not to me. Despite multiple attempts to discuss with XXXX at the leasing office, they mailed a notice to their own address with no APARTMENT number for the notice to even be forwarded and the mail MUST have been delivered to them, as it was sent to their own address as shown in the letter uploaded to the CFPB by the RentDebt employee.

Company response to consumer: Closed with explanation