vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I recently had a credit check done and a collection came up from Sentry Collections located in XXXX XXXX, NV. I called on XX/XX/XXXX and was told that they would be researching it and would get back to me. Nobody called back. I called again today XX/XX/XXXX and was transferred to XXXX who refused to give me her first and last name and told me I had to call the XXXX XXXX   that no longer exists to get the information removed. I rented an apartment a few years back. When I moved there was a small amount owed that was paid back immediately. The company went ahead and sent it to collection anyway. I called back to the apartment complex and they said it was in error and that they would notify the collection agency that this was not correct. Now years later it is showing back up on my credit report even though there is no debt owed. The collection agency was rude and refused to provide full name when asked to. This debt is not owed and I will not pay it again or have it report on my credit as a collection account.

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 2019-08-28 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: AZ

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - account number XXXX. ( Please see page 2 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from 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 2019-08-28 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: WA

Complaint narrative:
My XXXX XXXX credit card was charged a Return Payment Fee of {$28.00} on XX/XX/2019 because the scheduled payment of {$150.00} did not process. The bank was called on XX/XX/2019 when it was is discovered that the payment had not been processed. The bank reported that no transaction had been received in that amount. I called Comenity Bank Customer Care for the credit card and went over the information with the Payment Solutions Department. The individual who assisted me went over the bank account information and discovered that the system automatically deletes the leading XXXX for the routing number resulting in an error when the payment is processed and the bank account not being found. A correction was and a payment was then scheduled for a today XX/XX/2019 of {$150.00} to be applied to my credit card balance. Since it was discovered that it was Comenity Bank 's own system that caused the payment to be returned I asked that they refund the Return Payment Fee, the representative I was then transferred to stated that their system did not allow for such an action and that they do not and would not credit my account {$28.00}. I understand if it had been an error on my end but that was not the case and I ended the call there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CFW Holdings LLC
State: TX

Complaint narrative:
On XX/XX/2019, XXXX XXXX, a " payments specialist '' from Cash For Whatever, called me at my work at XXXX CST, to threaten me first by telling me that my account was going to go to their legal department and they were going to take me to court unless I paid an amount of {$300.00} to get them off of my back. I told her to call my cell phone instead and leave a message and she stated " No i'll send you a blank email and if YOU'RE serious about this you'll call me back as i am here until XXXX '' and hung up the call. I then emailed her through the email that she provided and told her about my situation and she didn't respond and hasn't responded yet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
This company keeps calling and asking me for personal information. They ask me my name, I give them my name then they want to know the last four of my social security number. I refuse then they want my date of birth, I refuse. I do not have to give anyone my date of birth nor my social security number. I ask them over and over " how can I help you? '' They will not tell me. My complaint is the company is asking for information I don't have to give. As a senior citizen, and with all the scams out there targeting seniors, I have been told many times to never give out my personal information. I refuse to run from any debt that I may or may not owe, This company has called me at least five or six times in the last two weeks. This is crazy and when I try to reason with them, they talk over me as if they can't hear me. Asking over and over for my personal information. When I say this is harassment they just keep asking the same questions over and over. I try not to answer but my sight is not good to see the caller ID. I just want them to tell me what they want and if they can not, Then send me a bill in the mail, But please tell them to stop calling because I will NEVER give out my personal information over the phone to someone I don't know. This is my only protection against fraud. Thank You

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 2019-08-28 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello I have several inaccurate information on my reort that doesn't belong to me I never filed bankruptcy or have any negative information on my report. Please remove XXXX, 2 ban ruptcy. address where I never lived. XXXX 2007, XXXX XXXX. This mail has been going to this address. please help to remove all information that's not mines. XXXX, bankruptcies 2, XXXX XXXX, XXXX XXXX, a collection XXXX. Please its hurting 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 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello I have several inaccurate information on my reort that doesn't belong to me I never filed bankruptcy or have any negative information on my report. Please remove XXXX, 2 ban ruptcy. address where I never lived. XXXX 2007, XXXX XXXX. This mail has been going to this address. please help to remove all information that's not mines. XXXX, bankruptcies 2, XXXX XXXX, XXXX XXXX, a collection XXXX. Please its hurting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
I have a personal loan with Discover. I took it out in XX/XX/XXXX. I have been receiving offers for another loan. This would pay off my existing loan and get $ available. Today I applied via phone. I was told I was turned down due to a Bankruptcy. I filed Bk in XX/XX/XXXX and was discharged. It has dropped off all 3 reports. I just purchased a new home. I called XXXX to inquire. I was told there is no BK on my report. I called Discover back. I was eventually told that there wasn't a BK reporting however the word " Reaffirmation '' was on it from a paid off trade line. I tried to explain that the Actual BK was on my credit when the original loan was made. I asked how can I be turned down for a word and you use the BK as the reason. I got no where and was turned down. I have been in XXXX   for 18+ years. I believe this is a violation of Fair Lending. My score is over 800. The fact that I had the actual BK on my report when the first loan was made and now it is dropped off and I am turned down for BK being the reason isn't right. I don't think it is legal. How can I be turned down for something that isn't there? I would appreciate you looking into this matter and letting me know if this should have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received an advertisement in the mail from Bank of America offering a {$300.00} bonus for opening a new checking account. The offer stated that if more than {$4000.00} in qualifying direct deposits were deposited into the account within 90 days, then Bank of America would deposit the {$300.00} bonus into my account within 60 days. I opened the account on XX/XX/19 and met the terms by XX/XX/19. Thus, on XX/XX/19 I called to check on the offer and I was told that it didn't exist. This was told to me by a BOA customer service rep, XXXX, from XXXX New York. I still have the original promotion that I received in the mail and I read the offer code to XXXX. To make a long story short, I was basically told that the offer does not exist and that there was nothing that could be done for me. The offer code is XXXX. I tried uploading the original document but for some reason the upload portal isn't working.

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 2019-08-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2019 i checked my credit score through my credit unions free monitoring system with transunion. The last time i checked it was on XX/XX/2019 it was XXXX. Today it has dropped to XXXX. I BORROWED THOUSANDS OF $ TO PAY OFF MY CREDIT CARD DEBTS. I HAVE NO OPEN ACCOUNTS. NOW THIS COMPANY IS PLAYING GOD TO DECIDE THAT THEY CAN COMPLETELY WIPE OUT MY EXCELLENT CREDIT & PENALIZE ME BECAUSE I AM NOT OPENING MORE DEBT. WHEN I CALLED TRANSUNION I COULD NOT EVEN UNDERSTAND THE CS AGENT. HER ACCENT PREVENTED ME FROM ASKING A SIMPLE? I WAS TRANSFERED TO A MNG WHO I STILL COULD NOT UNDERSTAND. ALL I ASKED WAS WHO HAD THE AUTHORITY TO DROP MY CREDIT SCORE, SHE SAID THE SYSTEM DECIDED SINCE I DID NOT HAVE ANY OPEN ACCTS. MY SCORE WAS LOWERED. SO ALL MY 20 YRS. OF PERFECT FAITHFUL PAYING OF THOUSANDS OF DOLLARS IN STUDENT LOANS & CREDIT CARDS MEANS  NOTHING? I WANT THIS EVIL PERPETRATED AGAINST HONES HARD WORKING AMERICAN CITIZENS STOPPED. I WAS NEVER LATE ON ONE BILL AND THIS COMPANY IS NOT GOD. THEY HAVE NO AUTHORITY TO RUIN MY CREDIT SCORE, BECAUSE I AM NOT PLAYING THEIR EVIL GAME OF DEBT. HELP ME AND EVERY OTHER HONEST AMERICAN WHO PAID OFF THEIR DEBTS.

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 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: GREAT WESTERN BANCORP, INC.
State: IA

Complaint narrative:
Great Western Bank. On XX/XX/XXXX, I authorized a payment for the morning of XX/XX/XXXX for {$100.00} to be paid to my credit card from my checkings account. They posted the payment on XX/XX/XXXX. They never credited the amount to my credit card, but took the money out of my account, over drafted and charged me, and put the {$100.00} back in my account. If they had charged me on the authorized date, the payment wouldnt have been overdrafted. Secondly, my bank account is not allowed to go negative for any sort of payment. And then, on XX/XX/XXXX, somebody reauthorized that exact same payment. I did not authorize the payment a second time. They once again over drafted me and charged me for it and then returned the {$100.00} never at any point crediting it towards the account it was supposedly paying. In total, they charged my account at least {$150.00} in overdrafts and return fees for one payment that did not get posted on the Authorized date, and then got reauthorized by someone to overdraft and charge me more. They are literally robbing me and not only am I out the {$100.00} that I need to pay my credit card company, they affected my credit score significantly by delaying and not processing the transaction correctly and then recharging me unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2019-08-28 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had a payday loan that was do on XX/XX/2019 for {$500.00} with check n go XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I contacted the manager XXXX because my payroll check was short two due to a payroll error. I explained the situation to him and told him that i would have to come in next week because i did not have enough to pay and rewrite my loan.He told me he could not guarantee to hold the check. I told him the money is not there and i am trying to let them know i will be in next week. He said he would call district manager and call me back. He did not call by XXXX XXXX   so i called him back he stated that he spoke with his district manager and he said as a one time courtesy that he would honor it. I told him i would definitely be in next week to pay. I told him if they pay it Monday i would be in but if not definitively on my payday that Friday. I called to give a follow up XX/XX/2019 letting him know i still was not able to borrow but would be in on Friday XXXX said OK never said anything about sending it into the bank. This morning XXXX 2019 my account was overdrawn because he sent the check in. I called him when they opened at XXXX and asked him to have his district manager to call me. He stated that he was the manager i told him i did not wish to speak with him and to have his district manager to call me. He then stated that his district manager was  on PTO. I then asked for a number to there corporate office he gave me the wrong number twice. When i called the number it was asking am i a home owner. I told him i would call another location and get the the number that was given to me was a customer feedback number no where to really speak with no that could help. The gut typed in my feedback and that was all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We have given Bank of America everything they have ask for and everyday a different person call and say the same pages are missing I keep faxing the same pages over and over and I keep getting the run around after these pages were fax to the numbers they have given me. This is not my fault because back in XX/XX/2019 I reach out to Bank of America representative and my Balloon loan expire in XXXX he sat on my application and waited until the Balloon loan expire when I called him he said he never submitted my application leave me in a bad situation which now I can loose my house please help me right now I am planning my mother funeral and this is too much stress for me and my family PLEASE!!!!!!

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 2019-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to have two separate credit reports under my information. It is extremely frustrating and I have attempted to have this resolved four times in the last eight months. This needs to be resolved by Equifax. Half of my accounts show up on one report, the others show up on another. When I get my report from Equifax, Im giving a report, that shows some of my information. When a creditor pulls my credit, they get the other one. Why cant this problem just be resolved?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 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: LA

Complaint narrative:
Here is my problem, I will paste it. " Lack of real estate secured loan information '' This is one of the reasons my credit score is low and I am paying higher interest rates, according to transunion credit score. Why should i have a hit on my credit score for owning my house? This needs to be stopped now or maybe the people need a classaction lawsuit 5o get it corrected.

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 2019-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The company Bank of America files 2 suits against me for 2 Credit Cards that fell victim to Identity Theft. On the recent credit report it shows one of the accounts with a balance of {$0.00} and the other as being charged off. The lawyer working with Bank Of America ( XXXX XXXX. XXXX ) has provided no communication about this case after XXXX XXXX. In XXXX I received 5 forms requesting a date to appear in court. 2 of these were mailed from Texas, one was mailed in an envelope with a Judges name and address, and 2 were mailed with a XXXX XXXX Georgia address but no firm name in the return address. The first item I received was a incomplete form requesting a court date. The other 4 followed but none of them had the stamp of the clerk of the court.on them. I emailed XXXX XXXX XXXX who replied that he and the court sent them. I replied XXXX 's email that I received a total of 5 of these forms, 2 with a XXXX XXXX return in Georgia, 2 with XXXX XXXX in Texas, and one from in the envelope with the Judge 's Name and address. Mr.XXXX did not reply to my last email. 
So the other day went to the county website to check on the tax bill to find out that Bank of America and XXXX XXXX have placed 2 Liens on my home. The Judgement date on the liens is XX/XX/XXXX the same day that the tax assessment bill was processed. However, the liens were not recorded until XX/XX/XXXX ; about 2 weeks ago. 
I have received no word from XXXX XXXX since the email of XX/XX/XXXX. 
And the liens now have had the attorney 's fees added to the total amount.

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 2019-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CFW Holdings LLC
State: MO

Complaint narrative:
Tuesday XX/XX/XXXX I received an email saying my loan was paid off. Wednesday XX/XX/XXXX they said my payment was late. If they made a mistake then own up to it take the loss move on. I kept the email stating it was paid

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation