vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-29 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: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
All of the following phone and address are incorrect. I have a son with same and when he uses my address they attempt to associate his phone numbers with me. Please removed the addresses listed below. I have updated my licensee to say XXXX, to avoid further mix-ups. 
XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2017-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased on line lottery tickets on Illinois XXXX XXXX Web site using my XXXX XXXX ( XXXX ) credit card for the amount of {$12.00}. To my surprise this transaction lists as a Cash Equivalent ( cash advance ) on the credit card statement and carries {$12.00} fee ( {$10.00} cash equivalent fee + {$2.00} minimum interest charge fee ) that is 100 % of the charge. Ive called the card and they, with some reluctance after calling a manger, reversed the {$12.00} fee. However, they told me that the problem lays on the lottery side. Ive purchased lottery tickets with other credit cards through the Illinois XXXX XXXX Web site before and never experienced being it a cash advance transaction. Therefore, I called the Illinois XXXX XXXX ( XXXX ) and was told that all credit card transactions are processed as a credit card charge and never as anything else ( cash advance etc. ). Ive called back the card but they insisted that the problem is on the lottery side it is hard to believe as the card benefits from these transactions not the lottery while a purchaser is not aware of a change in transaction type and the fees.

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 2017-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My account was infiltrated from somebody in Maryland. They added {$900.00} to my account tried to withdraw the money out a little bit at a time. I called and the fraud csr said they were cut off and whatever remaining funds in your account is currently your property. Maybe a week later, my account is hit return fee and multiple other fees. So I called back and a different fraud csr said it was a bad check that was written and do n't touch any of the money. I had already withdrew my funds from my account to pay my bills before I was informed this was a bad check transaction. As this result, my XXXX payroll checks went through and the bank kept the money and have been blowing me off since. I went to a branch twice and was told to call fraud department. I I have attempted a couple of times since then and have lost confidence in receiving the money I worked. Can you help me 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 2017-08-29 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: OR

Complaint narrative:
I signed up american express delta skymiles card late in XX/XX/XXXX, which offers sign-in bonus for XXXX miles after meeting {$1000.00} in spending. I met the spending amount in XX/XX/XXXX. I did n't see the bonus being posted. Called customer service 4 times since, each time I was given a different excuse on why it is not posted on my account. Last two conversations, I was told that they have technical issues and no idea on when the miles can be posted. I am going no where with the company and no idea when this can be resolved or the whole thing is just a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP
State: NY

Complaint narrative:
They keep calling my reception desk but not leaving messages on my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jonathan C. Frank & Associates, LLC
State: SC

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX Various text messages received regarding a debt. 
Tuesday, XX/XX/XXXX - Relative contacted regarding a debt. 
No notice of any debt in writing to date. 
I do know what this is related to or if it 's a new fraud method. 
Traced phone number to www.jonathancfrank.com

Company response to consumer: Untimely response
Consumer complaint received 2017-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC.
State: CO

Complaint narrative:
I have a voluntary repossession on my credit report that i had continued to make payments on even after the car was repossessed. I satisfied the loan in full but it still is showing on my report as if i owe XXXX still. They have not updated the account balance even though I 've been done making payments to them for over 2 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I had a private student loan with XXXX XXXX XXXX in XX/XX/XXXX. The account was past due in XX/XX/XXXX. This debt is not only outside the statute of limitations, it is 11 years since the first delinquency that preceded the charge off and so way outside the FCRA obsolescence period. XXXX XXXX XXXX keeps placing it with different agencies that keep updating the Open and Status dates keeping it on my files long past the obsolescence period.. 

I have disputed this with all three bureaus and they have left it on my files due to the date manipulations Collection Agency listing : XXXX XXXX XXXX. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Our lender is PennyMac, though we initially bought our home through XXXX mortgage. We received a letter that beginning next month, XXXX XXXX, our payment will be increasing from the current amount of {$1700.00} to {$2400.00} due to an escrow deficiency. This is an insane increase to be facing, and it just feels like this has to be an error! We understand that escrow estimates can adjust, but this is such a ridiculously high amount that it seems as though PennyMac screwed up somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For the past 7 years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.

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 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For the past 7 years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On or about XXXX XXXX, 2017, I tried, on line, to open a joint savings account with XXXX XXXX, a bank I have done business with for 21 years. XXXX rejected the new account based on " information contained in a credit report ''. They referenced Transunion, XXXX and XXXX. 
There are no problems shown in the Transunion or XXXX reports for my wife or I. 
I did not get a " notice of rejection '' from XXXX. 
My wife did get a " notice of rejection '' from XXXX. Because of this we got a report from XXXX, in my wifes name, they indicate no problems. 
Some where out there is a blemish on either my wife or myself and since no one will tell us what the problem is, we can not fix it. 
I have talk to two people at XXXX on seperate occasions, they both stated the rejection was because of information contained in a 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 2017-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had a private student loan with XXXX XXXX XXXX in XX/XX/XXXX. The account was past due in XX/XX/XXXX. This debt is not only outside the statute of limitations, it is 11 years since the first delinquency that preceded the charge off and so way outside the FCRA obsolescence period. XXXX XXXX XXXX keeps placing it with different agencies that keep updating the Open and Status dates keeping it on my files long past the obsolescence period.. 

I have disputed this with all three bureaus and they have left it on my files due to the date manipulations Collection Agency listing : XXXX XXXX XXXX. Account number 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 2017-08-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had a private student loan with XXXX XXXX XXXX in XXXX. The account was past due in XXXX. This debt is not only outside the statute of limitations, it is 11 years since the first delinquency that preceded the charge off and so way outside the FCRA obsolescence period. XXXX XXXX XXXX keeps placing it with different agencies that keep updating the XXXX and XXXX dates keeping it on my files long past the obsolescence period.. 

I have disputed this with all three bureaus and they have left it on my files due to the date manipulations XXXX XXXX listing : XXXX XXXX XXXX. Account number 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 2017-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Talked with company, told the situation company contacts me on my cell but is now calling my work number. This is federal government number. All calls are monitored and recorded through my work line. We are not to receive or make calls out side of work at work. Contacted on XX/XX/2017 at XXXX. They can not call my work number leaving voicemails. I have a cell phone number it is XXXX. I have spoken with them and they know my phone number.

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 2017-08-29 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: UT

Complaint narrative:
Equifax continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at XXXX blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. Equifax is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: UT

Complaint narrative:
XXXX continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at XXXX blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. XXXX is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.

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 2017-08-29 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: UT

Complaint narrative:
XXXX continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at zero blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. XXXX is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.

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 2017-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
i never owed this debt and there claiming i owed it they lied in your response i have a letter from synchonry that says otherwise they need to be investigated for illegal collections tactics this was there previous response Crown Asset Management ( 'CAM ' ) is in receipt of XXXX XXXX XXXX CFPB Complaint Case # XXXX. As stated in our Consumer Relations Policy, in all that we do, we strive to treat consumers with respect and integrity. We are committed to engaging in dialogue that is respectful and constructive, creating solutions for our consumers that resolves their debt, and ensuring that those who work on our behalf adhere to these same standards. Our investigation of this matter indicates that XXXX XXXX XXXX XXXX opened a XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) XXXX 's XXXX Business Credit Card account ending in XXXX on XX/XX/XXXX, for which XXXX XXXX is the personal guarantor. From XX/XX/XXXX until on or about XX/XX/XXXX merchandise including, but not limited to cat food, cat litter, cheese, deodorant, and approximately {$8700.00} in gift cards was charged to the account without any payments thereafter. The account was charged-off on XX/XX/XXXX, and subsequently purchased by CAM on XX/XX/XXXX. Additionally, and as part of our investigation CAM is unable to confirm XXXX XXXX XXXX XXXX has filed bankruptcy as stated in the complaint. However, since a copy of the credit application, or similar original account-level documentation, confirming XXXX XXXX is a personal guarantee is not readily accessible at the time of this response, CAM shall cease future collection efforts from XXXX XXXX until said documentation is received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I was told I 'd be sent a credit balance refund for over 3 thousand dollars from Barclays. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. Barclays was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau.
I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with barclays again. Their business tactics have been disgusting and appalling Barclays is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query

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 2017-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i never owed this debt and there claiming i owed it they lied in your response i have a letter from XXXX that says otherwise they need to be investigated for illegal collections tactics this was there previous response XXXX XXXX XXXX ( XXXX XXXX )  is in receipt of XXXX XXXX XXXX CFPB Complaint Case # XXXX. As stated in our Consumer Relations Policy, in all that we do, we strive to treat consumers with respect and integrity. We are committed to engaging in dialogue that is respectful and constructive, creating solutions for our consumers that resolves their debt, and ensuring that those who work on our behalf adhere to these same standards. Our investigation of this matter indicates that XXXX XXXX XXXXXXXX XXXX opened a XXXX XXXX ( formerly XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Credit Card account ending in XXXX on XXXX XXXX, XXXX, for which XXXX XXXX is the personal guarantor. From XXXX XXXX, XXXX until on or about XXXX XXXX, XXXX merchandise including, but not limited to cat food, cat litter, cheese, deodorant, and approximately {$8700.00} in gift cards was charged to the account without any payments thereafter. The account was charged-off on XX/XX/XXXX and subsequently purchased by XXXX on XXXX XXXX, XXXX. Additionally, and as part of our investigation XXXX is unable to confirm XXXX XXXX XXXX XXXX has filed bankruptcy as stated in the complaint. However, since a copy of the credit application, or similar original account-level documentation, confirming XXXX XXXX is a personal guarantee is not readily accessible at the time of this response, XXXX shall cease future collection efforts from XXXX XXXX until said documentation is received.

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